Financial independence is a thing for numerous, and having a steady source of monthly income is one way to achieve it. Whether you are a retiree looking for a stable income source or a working professional seeking unresistant earnings, choosing the best investment plan for yearly income can make a significant difference.
In this companion, we will explore some of the most dependable investments with monthly return options available in India in 2025.
1. POMIS - Post Office Monthly Income Scheme
POMIS, Post Office Monthly Income Scheme a government-backed savings scheme blueprinted to offer fixed monthly returns, is one of the secure investment options.
Key Features
-
Assured monthly income with minimum threat
-
Term of 5 times
-
Interest rates are reviewed quarterly (presently around 7.1 per annum)
-
Maximum investment limit: ₹ 9 lakh (individuals), ₹ 15 lakh (joint accounts)
Why Invest?
-
Ideal for retirees or conservative investors
-
Reliable and threat-free income
2. Senior Citizens Savings Scheme (SCSS)
For senior citizens (60 times), SCSS is a top choice among investments with monthly return options.
Key Features
-
Guaranteed returns with government security
-
Current interest rate
-
82 p.a.
-
Maximum deposit ₹ 30 lakh
-
Interest paid quarterly (can be used as a monthly income by laddering deposits)
Why Invest?
-
Best suited for retirees looking for a secure and fixed-income
-
Advanced interest rates than bank FDs
3. Monthly Income Fixed Deposits (FDs)
Banks and NBFCs offer special Fixed Deposit (FD) schemes that give monthly interest payouts.
Key Features
-
Interest rates vary between 6.5 – 8.5 sire
-
term 1 to 10 times
-
Senior citizens get additional interest benefits
Why Invest?
-
Low-threat investment with guaranteed returns
-
Flexible term and payout options
4. Mutual Funds – Systematic Withdrawal Plan (SWP)
For investors looking for advanced returns with manageable threats, SWP in Mutual Funds is an excellent choice.
Key Features
-
Invest in Debt or Hybrid Funds
-
Withdraw a fixed quantum monthly while keeping the capital invested
-
literal returns 8 – 12 p.a. (market-dependent)
Why Invest?
-
It's ideal for those seeking better returns than FDs
-
Tax-effective compared to other fixed-income investments
5. Real Estate Reimbursement Income
Investing in real estate parcels (residential or marketable) can induce steady monthly rental income.
Key Features
-
Average reimbursement yields 2 – 4 (residential), 6 – 9 (marketable)
-
Implicit for property appreciation
-
Requires conservation and tenant operation
Why Invest?
-
Passive income with long-term asset appreciation
-
Best for those with a high original investment capacity
6. Government Bonds & Corporate Bonds
Investing in bonds that offer monthly or quarterly interest payouts can be a dependable source of income.
Key Features
-
Interest rates 6 – 10 p.a.
-
Low to moderate threat (depends on the bond issuer)
-
Government bonds are the safest; commercial bonds offer advanced returns
Why Invest?
- Ideal for low-threat investors looking for predictable income
7. Top - Paying Stocks
However, investing in high-tip-paying stocks can induce unresistant yearly income, If you're comfortable with some threat.
Key Features
-
Dividend yield 3 – 6 p.a. (varies by company performance)
-
Implicit capital appreciation
-
Requires stock request knowledge
Why Invest?
-
Ideal for long-term investors who want regular payouts
-
Tax-effective compared to interest income
8. Annuity Plans & Pension Plans
Life insurance companies offer subvention and pension plans that give a fixed monthly income after withdrawal.
Key Features
-
Regular monthly payouts for life
-
Colourful payout options (immediate or prolonged subvention)
-
Returns depend on plan selection
Why Invest?
-
Best for retirees who want assured continued income
-
No request-related threat
Open Demat Account and Start Trading!
Final Thoughts: Choosing the Best Investment Plan for Monthly Income
The best investment with monthly returns depends on your threat appetite, investment quantum, and financial pretensions. Then’s a quick summary:
Before investing, assess your financial requirements, taxation aspects, and threat forbearance. A diversified approach combining multiple options can ensure a stable and growing monthly income.
Related Blogs - Safe investments with high returns in India - Best Investment plan for 5 years| Top 10 stock picks for beginners in 2025 | Best new stock picks for 2025 |Best Investment Option for Salaried person