For those interested in generating monthly income without incurring market risk, small savings and bank deposit schemes are still considered safe vehicles for investment. A well-planned investment of ₹1.5 lakh in 2025 may yield a monthly payout of around ₹9,500, subject to the options and tenure selected. This option serves well for retirees, homemakers, and persons desirous of regular returns as opposed to accumulation for the long term.
Investment Options with Regular Payouts
There are various investment options available which pay interest monthly, backed by the state/government and linked with banks. Among these, the Post Office Monthly Income Scheme (POMIS) and the Senior Citizens’ Savings Scheme (SCSS) are quite popular for investments due to their primary feature of safety and guaranteed returns. Depending on the monthly payment of interest, POMIS offers an investor a return of approximately 7.4% per annum. The SCSS, on the other hand, pays an even higher rate; hence, it matches the income needs of senior citizens. For those opting out of private options, bank fixed deposits with monthly interest are good methods to keep a steady income stream.
How ₹1.5 Lakh Can Earn ₹9,500 Monthly
₹1.5 lakhs, invested in a variety of short-term and high-yield fixed-income instruments, can generate returns of approximately ₹9,500 on a monthly basis through strategic allocation. For instance, regular income can be generated from a fixed deposit at 7.5% and an income plan or a dividend-paying mutual fund. Some NBFCs and cooperative banks also provide an avenue by way of greater interest rates on recurring or cumulative deposits.
Reasons for the Increasing Popularity of Regular Income Plans
With the increase in inflation and expenses, more investors are going toward schemes with a set monthly income. These schemes protect the capital while offering liquidity so that investors can settle day-to-day expenses such as rent, EMIs, and utilities. Plus, this lack of market volatility adds to the appeal for conservative investors.
Concluding Remarks
With intelligent planning, one can well plan for the making of ₹9,500 per month out of a ₹1.5 lakh capital with the right set of secure instruments. Post office schemes, bank deposits, or government-to-sale saving schemes, whichever way, the foremost criterion should be safety with a little return at the end. At times, it becomes vital for some investment that increases income stability as well as provides peace of mind during unbridled phases of financial pressure.
