{"id":10787,"date":"2025-11-20T08:10:47","date_gmt":"2025-11-20T08:10:47","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=10787"},"modified":"2026-08-04T14:43:19","modified_gmt":"2026-08-04T09:13:19","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 Best Monthly Income Schemes Every Investor Should Know"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"The_top_five_monthly_income_schemes_for_regular_cash_flow_include_the_Post_Office_Monthly_Income_Scheme_POMIS_Fixed_Deposits_and_Bond_Investment_SWP_Mutual_Fund_These_options_balance_safety_liquidity_and_steady_returns\"><\/span><span data-subtree=\"aimfl,mfl\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">The top five monthly income schemes for regular cash flow include the <\/span><span class=\"iNqyIf\" data-sfc-cp=\"\" data-sfc-root=\"ep\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Post Office Monthly Income Scheme (POMIS)<!--TgQPHd|||[]--><\/span>, Fixed Deposits and Bond Investment, SWP Mutual Fund. These options balance safety, liquidity, and steady returns<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<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.&nbsp;<\/span><\/p><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 eztoc-toggle-hide-by-default' ><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\/#The_top_five_monthly_income_schemes_for_regular_cash_flow_include_the_Post_Office_Monthly_Income_Scheme_POMIS_Fixed_Deposits_and_Bond_Investment_SWP_Mutual_Fund_These_options_balance_safety_liquidity_and_steady_returns\" >The top five monthly income schemes for regular cash flow include the Post Office Monthly Income Scheme (POMIS), Fixed Deposits and Bond Investment, SWP Mutual Fund. These options balance safety, liquidity, and steady returns<\/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\/#5_Leading_Monthly_Income_Schemes_in_India\" >5 Leading Monthly Income Schemes in India&nbsp;<\/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\/#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-5\" 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><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\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\n\n\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\n\n\n<h2 class=\"wp-block-heading\"><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\n\n\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\n\n\n<p><span style=\"font-weight: 400;\">These schemes are suitable for:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Individuals who need regular monthly <a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/\">income<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Working professionals looking to supplement their salary<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Retirees seeking stable cash flow for routine expenses<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Moderate to conservative investors who prefer low-volatility options<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Must Read: <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><\/h3>\n\n\n\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\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Leading_Monthly_Income_Schemes_in_India\"><\/span><b>5 Leading Monthly Income Schemes in India&nbsp;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\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\n\n\n<h3 class=\"wp-block-heading\"><b>1. Post Office Monthly Income Scheme (POMIS)<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">The <a href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/\" type=\"post\" id=\"9755\">Post Office Monthly Income Scheme<\/a> 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\n\n\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.&nbsp; Many investors search for the best monthly income scheme in India to match their cash flow requirements.<\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><b>Key Features of Post Office Monthly Income Scheme<\/b><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Minimum deposit starts at \u20b91,000.<\/span><\/li>\n\n\n\n<li><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\n\n\n<li><span style=\"font-weight: 400;\">Fixed monthly interest payout for steady income.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Current interest rate is 7.40% for the October\u2013December 2025 quarter.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Option to reinvest the maturity amount into other post office schemes.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Nomination facility is also available.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Fixed Deposit Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/30-lakhs-fixed-deposit-interest-per-month\/\" aria-label=\"30 Lakhs Fixed Deposit Interest Per Month: How Much Will You Earn in 2026?\u00a0\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22162211\/30-Lakh-Fixed-Deposit-Interest-Per-Month-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"30 Lakh Fixed Deposit Interest Per Month\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22162211\/30-Lakh-Fixed-Deposit-Interest-Per-Month-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22162211\/30-Lakh-Fixed-Deposit-Interest-Per-Month-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22162211\/30-Lakh-Fixed-Deposit-Interest-Per-Month-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22162211\/30-Lakh-Fixed-Deposit-Interest-Per-Month-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22162211\/30-Lakh-Fixed-Deposit-Interest-Per-Month.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/30-lakhs-fixed-deposit-interest-per-month\/\">30 Lakhs Fixed Deposit Interest Per Month: How Much Will You Earn in 2026?\u00a0<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/\" aria-label=\"\u20b91 Lakh Fixed Deposit Monthly Interest: Best FDs for Regular Income\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"1 Lakh Fixed Deposit Monthly Interest Rate\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/\">\u20b91 Lakh Fixed Deposit Monthly Interest: Best FDs for Regular Income<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/bank-of-baroda-fixed-deposit-interest-rates-2026\/\" aria-label=\"Bank of Baroda Fixed Deposit Interest Rates July 2026: Rates &amp; Schemes\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21191402\/Bank-of-Baroda-Fixed-Deposit-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Bank of Baroda Fixed Deposit\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21191402\/Bank-of-Baroda-Fixed-Deposit-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21191402\/Bank-of-Baroda-Fixed-Deposit-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21191402\/Bank-of-Baroda-Fixed-Deposit-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21191402\/Bank-of-Baroda-Fixed-Deposit-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21191402\/Bank-of-Baroda-Fixed-Deposit.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/bank-of-baroda-fixed-deposit-interest-rates-2026\/\">Bank of Baroda Fixed Deposit Interest Rates July 2026: Rates &amp; Schemes<\/a><\/li>\n<\/ul>\n\n\n<h3 class=\"wp-block-heading\"><b>2. Fixed Deposits with Monthly Payouts<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Non-cumulative <a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/what-is-a-fixed-deposits\/\">FDs with monthly payout<\/a> 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.&nbsp;<\/span><\/p>\n\n\n\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.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Must Read: <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-infrastructure-bonds\/\"><span style=\"font-weight: 400;\">What Are Infrastructure Bonds<\/span><\/a><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><b>Key Features of Fixed Deposits with Monthly Payout<\/b><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Regular monthly interest payouts for steady returns.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Bank FD interest rates can range from 2.75% to 7.25%; corporate FD rates can range up to 8.95%.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Bank FDs are covered under the DICGC insurance to ensure capital safety.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">AAA-rated <a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/corporate-fds-vs-bank-fds-evaluating-factors-before-investing\/\">corporate FDs<\/a> carry a low risk of default.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Premature withdrawals are permitted but attract an interest penalty.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">You can also avail yourself of a loan against the FD, typically at an interest rate slightly higher than the applicable FD interest rate.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>3. Monthly Fixed Income Bonds<\/b><\/h3>\n\n\n\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\n\n\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/goldenpi.com\/collections\/bonds-to-earn-monthly-fixed-income\">Monthly fixed-income bonds<\/a> 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\n\n\n<p><span style=\"font-weight: 400;\">Options such as monthly income bonds in India provide a fixed monthly income plan with added liquidity.<\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><b>Key Features of Monthly Fixed Income Bonds<\/b><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Relatively low-risk investment, especially when issued by the government or highly rated companies.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Potential for higher returns compared to traditional fixed deposits.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Available in both short-term (1\u20133 years) and long-term (up to 30 years) options.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Monthly interest payout for predictable recurring income.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">More liquid than fixed deposits due to secondary market trading.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Credit ratings from CRISIL, ICRA, IND, and CARE help assess safety of the investment.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>4.&nbsp; Annuity Plans<\/b><\/h3>\n\n\n\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\n\n\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.&nbsp;<\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><b>Key Features of Annuity Plans<\/b><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Guaranteed monthly income after investing a lump sum<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Choice between immediate annuity (income starts now) and deferred annuity (income starts later)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Stable option for retirees seeking regular, predictable cash flow<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Lifelong or fixed-period payout options available<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Payouts fully taxable as per individual income tax slab<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">A monthly payout scheme like this ensures ongoing support for retirement needs.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>5. SWP in Mutual Funds<\/b><\/h3>\n\n\n\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.&nbsp;<\/span><\/p>\n\n\n\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\n\n\n<h4 class=\"wp-block-heading\"><b>Key Features of SWP in Mutual Funds<\/b><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Fixed, periodic withdrawals based on the amount and frequency you choose.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Option to withdraw only capital gains while keeping your principal invested.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Helps create steady cash flow without fully exiting your investment.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Flexible withdrawal schedule including monthly options.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Potential for continued market-linked growth on the remaining corpus.<\/span><\/li>\n<\/ul>\n\n\n\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\n\n\n<h3 class=\"wp-block-heading\">Latest Bond Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/gold-linked-bonds-and-portfolio-hedging-when-gold-debt\/\" aria-label=\"Gold-Linked Bonds and Portfolio Hedging: When Gold Debt Beats Gold Mining Stocks\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10131406\/gold-linked-bonds-vs-gold-stocks-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"gold linked bonds vs gold stocks\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10131406\/gold-linked-bonds-vs-gold-stocks-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10131406\/gold-linked-bonds-vs-gold-stocks-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10131406\/gold-linked-bonds-vs-gold-stocks-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10131406\/gold-linked-bonds-vs-gold-stocks-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10131406\/gold-linked-bonds-vs-gold-stocks.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/gold-linked-bonds-and-portfolio-hedging-when-gold-debt\/\">Gold-Linked Bonds and Portfolio Hedging: When Gold Debt Beats Gold Mining Stocks<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/geopolitical-risk-premiums-how-conflicts-abroad-show-up-in-domestic-bond-pricing\/\" aria-label=\"Geopolitical Risk Premiums: How Conflicts Abroad Show Up in Domestic Bond Pricing\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10125339\/Geopolitical-Risk-Premium-Bond-Prices-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Geopolitical Risk Premium Bond Prices\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10125339\/Geopolitical-Risk-Premium-Bond-Prices-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10125339\/Geopolitical-Risk-Premium-Bond-Prices-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10125339\/Geopolitical-Risk-Premium-Bond-Prices-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10125339\/Geopolitical-Risk-Premium-Bond-Prices-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/10125339\/Geopolitical-Risk-Premium-Bond-Prices.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/geopolitical-risk-premiums-how-conflicts-abroad-show-up-in-domestic-bond-pricing\/\">Geopolitical Risk Premiums: How Conflicts Abroad Show Up in Domestic Bond Pricing<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/paisalo-digital-limited-ncd-ipo-issue-details-returns-and-risks\/\" aria-label=\"Paisalo Digital Limited NCD IPO: Issue Details, Returns, and Risks\"><img decoding=\"async\" width=\"1024\" height=\"486\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/07175152\/Blog-banner%402x-8-1024x486.png\" class=\"attachment-large size-large wp-post-image\" alt=\"Paisalo Digital NCD IPO\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/07175152\/Blog-banner%402x-8-1024x486.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/07175152\/Blog-banner%402x-8-300x142.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/07175152\/Blog-banner%402x-8-768x364.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/07175152\/Blog-banner%402x-8-1536x728.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/07175152\/Blog-banner%402x-8-2048x971.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/paisalo-digital-limited-ncd-ipo-issue-details-returns-and-risks\/\">Paisalo Digital Limited NCD IPO: Issue Details, Returns, and Risks<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><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\n\n\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\n\n\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\n\n\n<h2 class=\"wp-block-heading\"><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\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1785830788694\"><strong class=\"schema-faq-question\">Q<b>1. Which investment can give me good monthly income?<\/b><\/strong> <p class=\"schema-faq-answer\"><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> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785830802218\"><strong class=\"schema-faq-question\">Q<b>2. Is monthly income from mutual funds guaranteed?<\/b><\/strong> <p class=\"schema-faq-answer\"><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> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785830812501\"><strong class=\"schema-faq-question\">Q<b>3. What are the safest monthly income schemes in India?<\/b><\/strong> <p class=\"schema-faq-answer\"><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> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785830822506\"><strong class=\"schema-faq-question\">Q<b>4. Can I invest in FDs to get monthly income?<\/b><\/strong> <p class=\"schema-faq-answer\"><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> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785830833747\"><strong class=\"schema-faq-question\">Q<b>5. What are some high-yield monthly income plans in India?<\/b><\/strong> <p class=\"schema-faq-answer\"><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><br><br><span style=\"font-weight: 400;\"><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><\/span><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785830846660\"><strong class=\"schema-faq-question\">Q<strong>6. What is the best monthly income scheme in India for beginners?<\/strong><\/strong> <p class=\"schema-faq-answer\"><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> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785830911353\"><strong class=\"schema-faq-question\">Q<strong>7. Can I find leading bond options for monthly payouts?<\/strong><\/strong> <p class=\"schema-faq-answer\"><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> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785830927946\"><strong class=\"schema-faq-question\">Q<strong>8. What fixed income products are good for monthly income?<\/strong><\/strong> <p class=\"schema-faq-answer\"><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> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785830935020\"><strong class=\"schema-faq-question\">Q<strong>9. How to invest 30 lakhs for monthly income in 2026?<\/strong><\/strong> <p class=\"schema-faq-answer\"><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> <\/div> <\/div>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"BlogPosting\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/#article\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/\"\n    },\n    \"headline\": \"5 Best Monthly Income Schemes Every Investor Should Know\",\n    \"description\": \"Looking for regular monthly income? 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