{"id":10787,"date":"2025-11-20T08:10:47","date_gmt":"2025-11-20T08:10:47","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=10787"},"modified":"2026-02-21T07:44:35","modified_gmt":"2026-02-21T07:44:35","slug":"5-monthly-income-schemes-in-india","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/","title":{"rendered":"5 Monthly Income Schemes In India 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Most of us want some part of our money to come in steadily every month, whether it is to manage regular expenses, add a little breathing room to the budget, or plan for life after retirement.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In India, options like high-interest corporate FDs, government-backed schemes such as POMIS, and fixed-return bonds are built to provide dependable monthly payouts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These payouts can help you stay on top of essentials like rent, EMIs, utilities, medical costs, or everyday spending. This guide walks you through the most effective monthly income schemes in India so you can decide which ones fit your financial goals and cashflow needs.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#How_Can_One_Diversify_Their_Portfolio_With_NBFC_Bonds\" >How Can One Diversify Their Portfolio With NBFC Bonds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#What_is_a_Monthly_Income_Scheme\" >What is a Monthly Income Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#How_to_Build_a_Monthly_Pension_Using_Bonds\" >How to Build a Monthly Pension Using Bonds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#5_Leading_Monthly_Income_Schemes_in_India\" >5 Leading Monthly Income Schemes in India\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#1_Post_Office_Monthly_Income_Scheme_POMIS\" >1. Post Office Monthly Income Scheme (POMIS)<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#Key_Features_of_Post_Office_Monthly_Income_Scheme\" >Key Features of Post Office Monthly Income Scheme<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#2_Fixed_Deposits_with_Monthly_Payouts\" >2. Fixed Deposits with Monthly Payouts<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#What_Are_Infrastructure_Bonds\" >What Are Infrastructure Bonds<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#Key_Features_of_Fixed_Deposits_with_Monthly_Payout\" >Key Features of Fixed Deposits with Monthly Payout<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#3_Monthly_Fixed_Income_Bonds\" >3. Monthly Fixed Income Bonds<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#Key_Features_of_Monthly_Fixed_Income_Bonds\" >Key Features of Monthly Fixed Income Bonds<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#4_Annuity_Plans\" >4.\u00a0 Annuity Plans<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#Key_Features_of_Annuity_Plans\" >Key Features of Annuity Plans<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#5_SWP_in_Mutual_Funds\" >5. SWP in Mutual Funds<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#What_are_the_Tax_Implications_of_Investing_in_NBFC_Bonds\" >What are the Tax Implications of Investing in NBFC Bonds?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#Key_Features_of_SWP_in_Mutual_Funds\" >Key Features of SWP in Mutual Funds<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#Plan_Ahead_Build_a_Steady_Monthly_Income_with_Smart_Investments\" >Plan Ahead: Build a Steady Monthly Income with Smart Investments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#What_are_the_Interest_Rates_Offered_By_NBFC_Bonds\" >What are the Interest Rates Offered By NBFC Bonds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#FAQs_on_Monthly_Income_Schemes_in_India\" >FAQs on Monthly Income Schemes in India<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#1_Which_investment_can_give_me_good_monthly_income\" >1. Which investment can give me good monthly income?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#2_Is_monthly_income_from_mutual_funds_guaranteed\" >2. Is monthly income from mutual funds guaranteed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#3_What_are_the_safest_monthly_income_schemes_in_India\" >3. What are the safest monthly income schemes in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#4_Can_I_invest_in_FDs_to_get_monthly_income\" >4. Can I invest in FDs to get monthly income?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#5_What_are_some_high-yield_monthly_income_plans_in_India\" >5. What are some high-yield monthly income plans in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#6_What_is_the_best_monthly_income_scheme_in_India_for_beginners\" >6. What is the best monthly income scheme in India for beginners?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#7_Can_I_find_leading_bond_options_for_monthly_payouts\" >7. Can I find leading bond options for monthly payouts?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#8_What_fixed_income_products_are_good_for_monthly_income\" >8. What fixed income products are good for monthly income?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#9_How_to_invest_30_lakhs_for_monthly_income_in_2026\" >9. How to invest 30 lakhs for monthly income in 2026?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#Disclaimer\" >Disclaimer:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#Investment_Strategies_in_the_Bond_Market\" >Investment Strategies in the Bond Market<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Can_One_Diversify_Their_Portfolio_With_NBFC_Bonds\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-can-one-diversify-their-portfolio-with-nbfc-bonds\/\"><span style=\"font-weight: 400;\">How Can One Diversify Their Portfolio With NBFC Bonds?<\/span><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Monthly_Income_Scheme\"><\/span><b>What is a Monthly Income Scheme?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A Monthly Income Scheme (MIS) is an investment option that offers investors a steady, fixed payout every month. It is designed for those who want predictable cash flow without taking excessive risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These schemes are suitable for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Individuals who need regular monthly income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Working professionals looking to supplement their salary<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retirees seeking stable cash flow for routine expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Moderate to conservative investors who prefer low-volatility options<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Build_a_Monthly_Pension_Using_Bonds\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-build-a-monthly-pension-using-bonds\/\"><span style=\"font-weight: 400;\">How to Build a Monthly Pension Using Bonds<\/span><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Among options like these, the best monthly income scheme in India depends on your risk level and needs.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Leading_Monthly_Income_Schemes_in_India\"><\/span><b>5 Leading Monthly Income Schemes in India\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re wondering how to earn steady income from investments, here are a few monthly income schemes in India you may consider:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Post_Office_Monthly_Income_Scheme_POMIS\"><\/span><b>1. Post Office Monthly Income Scheme (POMIS)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Post Office Monthly Income Scheme is a government-backed savings plan that helps you earn a steady monthly payout. You make a one-time deposit for 5 years, and the post office credits monthly interest to your account at the applicable rate. This makes POMIS a reliable choice for investors looking for safe investment options for regular returns.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Since this plan is approved by the Ministry of Finance and backed by the Government of India, both your invested amount and interest are fully protected.\u00a0 Many investors search for the best monthly income scheme in India to match their cash flow requirements.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Key_Features_of_Post_Office_Monthly_Income_Scheme\"><\/span><b>Key Features of Post Office Monthly Income Scheme<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum deposit starts at \u20b91,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can invest up to \u20b99 lakhs in an individual account. For joint accounts, the limit is \u20b915 lakhs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed monthly interest payout for steady income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Current interest rate is 7.40% for the October\u2013December 2025 quarter.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Option to reinvest the maturity amount into other post office schemes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nomination facility is also available.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Fixed_Deposits_with_Monthly_Payouts\"><\/span><b>2. Fixed Deposits with Monthly Payouts<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Non-cumulative FDs with monthly payout frequency allow you to deposit a lump-sum amount and receive interest every month at a predetermined rate. Bank FDs are covered up to 5 Lakhs under the DICGC insurance and can offer predictable returns and low risk returns. This makes them popular among investors like pensioners and senior citizens seeking monthly income schemes in India.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Those looking for high-yield monthly income plans in India may consider corporate FDs as well. Offered by NBFCs, corporate FDs generally have higher interest rates than bank FDs. But they are not insured by the DICGC cover, so investors need to check the credit rating of the issuer.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Infrastructure_Bonds\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-infrastructure-bonds\/\"><span style=\"font-weight: 400;\">What Are Infrastructure Bonds<\/span><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Key_Features_of_Fixed_Deposits_with_Monthly_Payout\"><\/span><b>Key Features of Fixed Deposits with Monthly Payout<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regular monthly interest payouts for steady returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank FD interest rates can range from 2.75%-7.25%, corporate FD rates can range up to 8.95%.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank FDs are covered under the DICGC insurance to ensure capital safety.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AAA-rated corporate FDs carry a low risk of default.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premature withdrawal are permitted but attract an interest penalty.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can also avail a loan against the FD, typically at an interest rate slightly higher than the applicable FD interest rate.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_Monthly_Fixed_Income_Bonds\"><\/span><b>3. Monthly Fixed Income Bonds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many government and highly rated corporate bonds offer monthly interest payouts, making them reliable monthly income schemes in India. These bonds may provide higher returns than traditional fixed deposits, and the interest is credited directly to your bank account each month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Monthly fixed income bonds also offer better liquidity because they can be sold in the secondary market, which helps generate income without locking your money completely. Since these bonds may offer returns of up to 13.44% per annum, they are suitable for retirees and conservative investors looking for high-yield monthly income plans in India and predictable cash flow.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Options such as monthly income bonds India provide a fixed monthly income plan with added liquidity.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Key_Features_of_Monthly_Fixed_Income_Bonds\"><\/span><b>Key Features of Monthly Fixed Income Bonds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Relatively low-risk investment, especially when issued by the government or highly rated companies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Potential for higher returns compared to traditional fixed deposits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Available in both short-term (1\u20133 years) and long-term (up to 30 years) options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monthly interest payout for predictable recurring income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">More liquid than fixed deposits due to secondary market trading.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit ratings from CRISIL, ICRA, IND, and CARE help assess safety of the investment.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_Annuity_Plans\"><\/span><b>4.\u00a0 Annuity Plans<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Annuity plans are retirement products offered by insurance companies to provide safe investment options for regular returns. You invest a lump sum, and the insurer pays you a fixed monthly income for life or for a chosen period. These plans are especially useful for retirees who are looking for recurring income schemes for seniors with guaranteed payouts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can choose between immediate and deferred annuities based on when you want the income to begin. Immediate annuity plans start paying right after you invest, while deferred annuities let you invest now and receive income at a future date.\u00a0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Key_Features_of_Annuity_Plans\"><\/span><b>Key Features of Annuity Plans<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guaranteed monthly income after investing a lump sum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choice between immediate annuity (income starts now) and deferred annuity (income starts later)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stable option for retirees seeking regular, predictable cash flow<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lifelong or fixed-period payout options available<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payouts fully taxable as per individual income tax slab<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A monthly payout scheme like this ensures ongoing support for retirement needs.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_SWP_in_Mutual_Funds\"><\/span><b>5. SWP in Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investments at regular intervals, helping you create predictable cash flow. It works like the opposite of a SIP. Instead of investing monthly, you redeem a set number of units to meet your income needs while keeping the rest of your money invested.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can choose the withdrawal frequency and even redeem only capital gains. This approach keeps most of your corpus invested, giving you the chance to benefit from potential long-term, market-linked growth.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Tax_Implications_of_Investing_in_NBFC_Bonds\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-the-tax-implications-of-investing-nbfc-bonds\/\"><span style=\"font-weight: 400;\">What are the Tax Implications of Investing in NBFC Bonds?<\/span><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Key_Features_of_SWP_in_Mutual_Funds\"><\/span><b>Key Features of SWP in Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed, periodic withdrawals based on the amount and frequency you choose.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Option to withdraw only capital gains while keeping your principal invested.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Helps create steady cash flow without fully exiting your investment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible withdrawal schedule including monthly options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Potential for continued market-linked growth on the remaining corpus.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For those evaluating the best monthly income scheme in India, SWP offers flexibility with growth potential.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Plan_Ahead_Build_a_Steady_Monthly_Income_with_Smart_Investments\"><\/span><b>Plan Ahead: Build a Steady Monthly Income with Smart Investments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In summation, retirees, pensioners, or anyone seeking steady monthly income can explore the monthly income schemes listed above. However, returns, tax efficiency, and liquidity vary across options. So, assess each plan carefully based on your income needs, liquidity preferences, and risk appetite before choosing one.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for high-yield monthly income plans in India, you can head to <\/span><a href=\"https:\/\/goldenpi.com\/\"><span style=\"font-weight: 400;\">GoldenPi<\/span><\/a><span style=\"font-weight: 400;\">. Here, you will find a variety of bank and corporate FDs and monthly income bonds that can be used as relatively safe investment options for regular returns.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Interest_Rates_Offered_By_NBFC_Bonds\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/\"><span style=\"font-weight: 400;\">What are the Interest Rates Offered By NBFC Bonds?<\/span><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Monthly_Income_Schemes_in_India\"><\/span><b>FAQs on Monthly Income Schemes in India<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Which_investment_can_give_me_good_monthly_income\"><\/span><b>1. Which investment can give me good monthly income?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Fixed income bonds, monthly income FDs, POMIS, and annuity plans are popular choices. Depending on your risk level, you can also use SWPs in mutual funds for steady monthly payouts.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Is_monthly_income_from_mutual_funds_guaranteed\"><\/span><b>2. Is monthly income from mutual funds guaranteed?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No, mutual funds do not guarantee monthly income. SWPs provide regular withdrawals, but the returns depend on market performance and fund value.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_are_the_safest_monthly_income_schemes_in_India\"><\/span><b>3. What are the safest monthly income schemes in India?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For seniors, some safe investment options for regular returns include non-cumulative FDs, monthly income bonds, and annuity plans. Senior Citizen Savings Scheme (SCSS) is also a popular option, but here interest is paid quarterly.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_invest_in_FDs_to_get_monthly_income\"><\/span><b>4. Can I invest in FDs to get monthly income?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Non-cumulative FDs allow you to receive monthly interest payouts, making them a simple and low-risk way to earn regular income. You can find bank and corporate FDs with the highest interest rates on GoldenPi.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_are_some_high-yield_monthly_income_plans_in_India\"><\/span><b>5. What are some high-yield monthly income plans in India?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">High-yield monthly income plans in India include non-cumulative company FDs, certain debt-based SWPs, and high interest-earning monthly income bonds.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But each comes with some risks. Corporate FDs are not insured by the DICGC, while SWP returns depend on the redemption NAV. Similarly, monthly income bonds carry credit risks.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_is_the_best_monthly_income_scheme_in_India_for_beginners\"><\/span><strong>6. What is the best monthly income scheme in India for beginners?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">POMIS stands out as the best monthly income scheme in India for those new to investing, given its government backing and simple monthly payouts.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_find_leading_bond_options_for_monthly_payouts\"><\/span><strong>7. Can I find leading bond options for monthly payouts?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can explore monthly fixed income bonds from government issuers or highly rated corporates. These provide steady monthly interest directly to your bank account, with options tradable in the secondary market for liquidity. Check credit ratings like AAA for safety, and platforms like GoldenPi list them easily.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_fixed_income_products_are_good_for_monthly_income\"><\/span><strong>8. What fixed income products are good for monthly income?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Fixed deposits with monthly payouts and POMIS work well for steady income. Bank FDs offer DICGC protection up to \u20b95 lakhs, while corporate FDs give higher rates. Both suit retirees needing predictable cash flow without much risk, just pick based on your investment limit and safety needs.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_How_to_invest_30_lakhs_for_monthly_income_in_2026\"><\/span><strong>9. How to invest 30 lakhs for monthly income in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For \u20b930 lakhs in 2026, split across POMIS (max \u20b915 lakhs joint), non-cumulative FDs, or monthly income bonds. This diversifies risk while ensuring regular payouts. Start with govt-backed options for safety, then add rated corporates for better yields, always match to your cash flow goals.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><span style=\"font-weight: 400;\">Disclaimer:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are regulated by the <\/span><a href=\"https:\/\/www.rbi.org.in\/\"><span style=\"font-weight: 400;\">Reserve Bank of India<\/span><\/a><span style=\"font-weight: 400;\">. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<br \/>\n<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Investment_Strategies_in_the_Bond_Market\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/investment-strategies-in-the-bond-market\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Green_Bonds\"><span style=\"font-weight: 400;\">Investment Strategies in the Bond Market<\/span><\/a><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Latest Updated: 17\/02\/2026<\/p>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. Which investment can give me good monthly income?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Fixed income bonds, monthly income FDs, POMIS, and annuity plans are popular choices. 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