{"id":12363,"date":"2026-03-11T03:50:40","date_gmt":"2026-03-11T03:50:40","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=12363"},"modified":"2026-03-11T03:50:40","modified_gmt":"2026-03-11T03:50:40","slug":"how-do-people-generate-monthly-income-without-jobs","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/","title":{"rendered":"How Do People Generate Monthly Income Without Jobs?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">For many people, a stable monthly salary can feel reassuring. You know exactly when it\u2019s coming, how much it\u2019ll be, and you can plan your expenses around it. But what if you could have the same sense of stability without being tied to a regular 9-5 job?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You might have wondered about this if you\u2019re a:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Freelancer working from home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stay-at-home mom<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Professional in between jobs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retiree in their golden years\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Whatever your situation, the good news is that there are <\/span><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-earn-extra-monthly-income-online-for-new-working-professionals\/\"><span style=\"font-weight: 400;\">ways to generate a monthly income<\/span><\/a><span style=\"font-weight: 400;\"> without a job. The idea is simple: Instead of working for money every month, you structure your finances in such a way that your money works for you to earn you a monthly income.\u00a0<\/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\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#4_Ways_to_Generate_Monthly_Income_Without_Jobs\" >4 Ways to Generate Monthly Income Without Jobs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#1_Fixed_Deposits_with_Monthly_Payout\" >1. Fixed Deposits with Monthly Payout<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Why_Do_People_Choose_Non-Cumulative_FDs\" >Why Do People Choose Non-Cumulative FDs:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#What_to_Consider\" >What to Consider:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#2_SWP\" >2. SWP\u00a0<\/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\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Why_SWPs_Work\" >Why SWPs Work:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Things_to_Consider\" >Things to Consider<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#3_POMIS\" >3. POMIS<\/a><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\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Why_is_POMIS_Popular_Among_Monthly_Income_Seekers\" >Why is POMIS Popular Among Monthly Income Seekers:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Things_to_Consider-2\" >Things to Consider:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#4_Monthly_Income_Bonds\" >4. Monthly 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-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Why_Are_Monthly_Income_Bonds_Attractive\" >Why Are Monthly Income Bonds Attractive<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Things_to_Consider-3\" >Things to Consider<\/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\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Special_Mention_SCSS\" >Special Mention: SCSS<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Why_SCSS_is_Popular_Among_Retirees\" >Why SCSS is Popular Among Retirees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#Things_to_Consider-4\" >Things to Consider<\/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\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#How_to_Choose_the_Right_Monthly_Income_Source\" >How to Choose the Right Monthly Income Source<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#1_Risk_Appetite\" >1. Risk Appetite<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#2_Liquidity_Needs\" >2. Liquidity Needs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#3_Taxation\" >3. Taxation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#So_Start_Investing_Today_to_Earn_Monthly_Income_Without_a_Job\" >So, Start Investing Today to Earn Monthly Income Without a Job<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#How_to_Generate_Monthly_Income_Without_Jobs\" >How to Generate Monthly Income Without Jobs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#1_How_can_I_generate_monthly_income_by_investing_but_without_much_risk_in_2026\" >1. How can I generate monthly income by investing but without much risk in 2026?<\/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\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#2_What_are_the_best_ways_to_generate_monthly_income_as_a_retiree\" >2. What are the best ways to generate monthly income as a retiree?<\/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\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#3_I_am_a_freelancer_How_can_I_get_a_monthly_income_without_a_salaried_job_in_India\" >3. I am a freelancer. How can I get a monthly income without a salaried job in India?<\/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\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#4_Can_I_get_a_monthly_income_from_bond_investments\" >4. Can I get a monthly income from bond investments?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"4_Ways_to_Generate_Monthly_Income_Without_Jobs\"><\/span><b>4 Ways to Generate Monthly Income Without Jobs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you have a lump-sum amount of money saved or invested, here\u2019s how you can generate a monthly income without a job in India:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Fixed_Deposits_with_Monthly_Payout\"><\/span><b>1. Fixed Deposits with Monthly Payout<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Non-cumulative <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">fixed deposits<\/span><\/a><span style=\"font-weight: 400;\"> pay interest on a regular basis. So you can tailor payments to monthly, quarterly, semi-annual, or annual terms. This way, you receive interest payments every month from the investment instead of having it reinvested for compounding and payment at maturity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For a higher FD interest rate, you may consider corporate FDs that are offered by NBFCs. But do note that these FDs don\u2019t have DICGC insurance coverage, so credit risk depends on the issuer\u2019s ratings.\u00a0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Why_Do_People_Choose_Non-Cumulative_FDs\"><\/span><b>Why Do People Choose Non-Cumulative FDs:<\/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;\">Monthly income payout to cover rent and other expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed interest rate ensures predictable monthly cash flows<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-cumulative bank FDs and highly-rated corporate FDs are relatively safe<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"What_to_Consider\"><\/span><b>What to Consider:<\/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;\">Credit rating of corporate FDs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premature withdrawal penalties can limit liquidity<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest income is fully taxable<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_SWP\"><\/span><b>2. SWP\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you already have a lump-sum invested in mutual funds, SWPs, or Systematic Withdrawal Plans can be a practical way to leverage your investment for monthly income. With an SWP, you can withdraw a fixed amount of money from your MF investments at regular intervals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, you can withdraw a fixed monthly amount through an SWP, while the remaining amount remains invested and continues to grow through market-linked returns.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Why_SWPs_Work\"><\/span><b>Why SWPs Work:<\/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;\">You redeem units monthly for a fixed monthly income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The remaining amount stays invested and continues to participate in market growth.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your investment is professionally managed by experienced fund managers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Only the capital gains portion is taxed, not the entire withdrawal amount.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Things_to_Consider\"><\/span><b>Things to Consider<\/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;\">If markets swing significantly, your investment value may reduce, increasing risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Returns are not guaranteed since mutual funds are market-linked investments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you withdraw too aggressively, your corpus may deplete faster.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_POMIS\"><\/span><b>3. POMIS<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Post Office Monthly Income Scheme (POMIS) is yet another popular <\/span><a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/\"><span style=\"font-weight: 400;\">monthly income scheme <\/span><\/a><span style=\"font-weight: 400;\">for people without jobs, especially retirees. Offered by India Post, POMIS is a government-backed savings scheme that offers you fixed interest on a one-time lump-sum deposit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A POMIS account has a tenure of 5 years. The POMIS interest rate is reviewed by the Ministry of Finance quarterly, but once you open the account, the rate remains fixed for the 5-year tenure.\u00a0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Why_is_POMIS_Popular_Among_Monthly_Income_Seekers\"><\/span><b>Why is POMIS Popular Among Monthly Income Seekers:<\/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;\">Low-risk investment option as the scheme is backed by the Indian Government\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">POMIS income is paid monthly but compounds annually\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An account can be opened individually or jointly with as little as Rs. 1,000<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Things_to_Consider-2\"><\/span><b>Things to Consider:<\/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;\">The 5-year lock-in period can limit your access to funds during emergencies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An investment cap of Rs. 9 lakhs (Rs. 15 for joint holders) applies to individual holders.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premature withdrawal between 1-3 years attracts a 2% penalty on the deposit amount. After 3 years, this penalty becomes 1%.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_Monthly_Income_Bonds\"><\/span><b>4. Monthly Income Bonds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/goldenpi.com\/collections\/bonds-to-earn-monthly-fixed-income\"><span style=\"font-weight: 400;\">Monthly income bonds<\/span><\/a><span style=\"font-weight: 400;\"> are specifically designed to pay interest monthly. These bonds are typically issued by corporate entities and carry a fixed coupon rate. This means when you invest in such bonds, you receive fixed monthly interest payments, while the principal sum is returned at maturity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the monthly interest from these <\/span><a href=\"https:\/\/goldenpi.com\/corporate-bonds\"><span style=\"font-weight: 400;\">bond investments<\/span><\/a><span style=\"font-weight: 400;\">, you can fund various expenses, like your rent and EMIs.\u00a0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Why_Are_Monthly_Income_Bonds_Attractive\"><\/span><b>Why Are Monthly Income Bonds Attractive<\/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;\">Consistent and fixed monthly income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can potentially offer higher yields than FDs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy liquidity since the bonds can be sold in the secondary market.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Short and long-term options are available.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Things_to_Consider-3\"><\/span><b>Things to Consider<\/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;\">The issuer&#8217;s credit rating. That\u2019s because this determines the degree of capital safety.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax on interest, especially if you\u2019re in a higher tax bracket.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Special_Mention_SCSS\"><\/span><b>Special Mention: SCSS<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">SCSS or the Senior Citizen Savings Scheme is a government-backed retirement plan that\u2019s designed specifically for retirees looking for a regular, stable income. While SCSS doesn\u2019t pay a monthly income, it offers quarterly payouts at 8.20% currently (as of 28.2.26).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Any Indian citizen aged 60 years (or 55-60 and retired under superannuation) can open an SCSS account. The minimum investment needed is Rs. 1,000, while the maximum amount is capped at Rs. 30 lakhs.\u00a0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Why_SCSS_is_Popular_Among_Retirees\"><\/span><b>Why SCSS is Popular Among Retirees<\/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;\">Interest is paid quarterly, making it a good source of regular income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investments qualify for tax benefits u\/s 80(C) of the old tax regime.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Capital safety is high because the scheme is backed by the Indian Government.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Things_to_Consider-4\"><\/span><b>Things to Consider<\/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;\">The investment cap may not be suitable for those looking to invest a larger corpus.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SCSS has a lock-in period of 5 years. Premature withdrawals are allowed, but penalties apply.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest income is completely taxable.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Choose_the_Right_Monthly_Income_Source\"><\/span><b>How to Choose the Right Monthly Income Source<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now, not all the monthly income options discussed above will suit every reader. So how do you pick the right one for yourself? Here\u2019s a list of factors that may help you decide:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Risk_Appetite\"><\/span><b>1. Risk Appetite<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The risk profile of various monthly income investment options varies. For instance, equity mutual funds may carry higher risk than fixed-income options such as bank FDs. That\u2019s why it\u2019s important to consider how much risk you\u2019re willing to shoulder for monthly returns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may consider asking yourself these questions to understand your risk tolerance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do I prioritise capital safety over returns?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can I tolerate market fluctuations?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is guaranteed income more important than a higher return potential?\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Liquidity_Needs\"><\/span><b>2. Liquidity Needs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Consider how fast you would need access to your funds, and then choose a monthly income-generating investment option. Remember:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Options like SCSS and POMIS come with a lock-in window.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bonds can be sold on the secondary market, but a good trading volume is needed for quick sales.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">FDs may have premature withdrawal penalties based on when you withdraw.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_Taxation\"><\/span><b>3. Taxation<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most monthly income investment options are not very tax-friendly when it comes to interest taxation. This means monthly income from FDs, POMIS, bonds, and SCSS is taxable under \u2018Income from Other Sources\u2019 as per your slab rate. So if you fall in the 30% bracket, a large portion of your monthly interest goes toward taxes, reducing your effective returns.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SWPs, however, are taxed differently. Each withdrawal includes both capital and gains, and only the capital gains portion is taxed, not the entire amount. For investors in higher tax brackets, this can be significantly more efficient, especially if long-term capital gains tax rates apply, potentially lowering the overall tax burden on monthly withdrawals.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"So_Start_Investing_Today_to_Earn_Monthly_Income_Without_a_Job\"><\/span><b>So, Start Investing Today to Earn Monthly Income Without a Job<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Generating a monthly income without a job may seem difficult at first, but it is quite simple once you structure your investments correctly. In India, you can choose from a wide range of monthly income options, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe government-backed schemes like POMIS and SCSS\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low-risk bank and highly-rated corporate FDs with a monthly payout option<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Moderate to high risk options like SWPs in mutual funds and monthly income bonds<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">But before investing, remember to assess your goals, liquidity needs, and risk tolerance. If you have a low-risk tolerance and wish to stick to options like FDs and bonds, you can visit the <\/span><a href=\"https:\/\/goldenpi.com\/\"><span style=\"font-weight: 400;\">GoldenPi platform.<\/span><\/a><span style=\"font-weight: 400;\"> Here, you can choose from a range of monthly income bonds and bank\/NBFC FDs to build a strong monthly income portfolio that sustains you even without a job!<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Generate_Monthly_Income_Without_Jobs\"><\/span><b>How to Generate Monthly Income Without Jobs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_How_can_I_generate_monthly_income_by_investing_but_without_much_risk_in_2026\"><\/span><b>1. How can I generate monthly income by investing but without much risk in 2026?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you are a low-risk investor, you can invest in government-backed POMIS or a bank FD for monthly income. You can even consider SWP in debt mutual funds if you have a slightly higher risk tolerance.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_are_the_best_ways_to_generate_monthly_income_as_a_retiree\"><\/span><b>2. What are the best ways to generate monthly income as a retiree?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In India, SCSS, or the senior citizens savings scheme, is one of the most suitable regular income options for retirees. While the scheme doesn\u2019t offer a monthly income, the quarterly payout can be managed to ensure your monthly medicine, rent, and other expenses are met properly.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_I_am_a_freelancer_How_can_I_get_a_monthly_income_without_a_salaried_job_in_India\"><\/span><b>3. I am a freelancer. How can I get a monthly income without a salaried job in India?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As a freelancer, you can generate monthly income through investments in bonds, dividend stocks, mutual fund SWPs, and corporate FDs. But remember to assess your liquidity needs and risk tolerance before investing.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_get_a_monthly_income_from_bond_investments\"><\/span><b>4. Can I get a monthly income from bond investments?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Monthly income bonds offer regular monthly payouts against a fixed coupon rate.\u00a0<\/span><\/p>\n<p><strong>Disclaimer:<\/strong><\/p>\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;\">Bonds or non-convertible debentures (NCDs) are regulated by the Securities and Exchange Board of India and other government authorities. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [<\/p>\n<p>    {\n      \"@type\": \"Question\",\n      \"name\": \"How can I generate monthly income by investing but without much risk in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"If you are a low-risk investor, you can consider government-backed Post Office Monthly Income Scheme (POMIS) or a bank fixed deposit for monthly income. You can also consider a Systematic Withdrawal Plan (SWP) in debt mutual funds if you have a slightly higher risk tolerance.\"\n      }\n    },<\/p>\n<p>    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the best ways to generate monthly income as a retiree?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"In India, the Senior Citizens Savings Scheme (SCSS) is one of the most suitable income options for retirees. While the scheme offers quarterly payouts instead of monthly income, retirees can manage the payout to cover their monthly expenses such as medicines, rent, and other necessities.\"\n      }\n    },<\/p>\n<p>    {\n      \"@type\": \"Question\",\n      \"name\": \"I am a freelancer. How can I get a monthly income without a salaried job in India?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Freelancers can generate monthly income through investments such as bonds, dividend-paying stocks, mutual fund systematic withdrawal plans (SWPs), and corporate fixed deposits. It is important to assess liquidity needs and risk tolerance before investing.\"\n      }\n    },<\/p>\n<p>    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I get a monthly income from bond investments?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, certain bonds offer regular monthly payouts based on a fixed coupon rate, allowing investors to generate a steady income stream.\"\n      }\n    }<\/p>\n<p>  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For many people, a stable monthly salary can feel reassuring. You know exactly when it\u2019s coming, how much it\u2019ll be, and you&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12369,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[26],"tags":[59,926,927,928,929],"class_list":["post-12363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment-guide","tag-fixed-deposits","tag-generate-monthly-income-without-jobs","tag-pomis","tag-swp","tag-monthly-income-bonds"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ways to Generate Monthly Income in India Without a Job<\/title>\n<meta name=\"description\" content=\"Looking for simple ways to earn a monthly income in India without a job? From FDs to bonds, here are some practical monthly income options you can check out.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ways to Generate Monthly Income in India Without a Job\" \/>\n<meta property=\"og:description\" content=\"Looking for simple ways to earn a monthly income in India without a job? From FDs to bonds, here are some practical monthly income options you can check out.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-11T03:50:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/03\/11035017\/Blog-27-How-Do-People-Generate-Monthly-Income-Without-Jobs_.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/\",\"url\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/\",\"name\":\"Ways to Generate Monthly Income in India Without a Job\",\"isPartOf\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/03\/11035017\/Blog-27-How-Do-People-Generate-Monthly-Income-Without-Jobs_.png\",\"datePublished\":\"2026-03-11T03:50:40+00:00\",\"author\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453\"},\"description\":\"Looking for simple ways to earn a monthly income in India without a job? From FDs to bonds, here are some practical monthly income options you can check out.\",\"breadcrumb\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#primaryimage\",\"url\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/03\/11035017\/Blog-27-How-Do-People-Generate-Monthly-Income-Without-Jobs_.png\",\"contentUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/03\/11035017\/Blog-27-How-Do-People-Generate-Monthly-Income-Without-Jobs_.png\",\"width\":731,\"height\":347,\"caption\":\"How Do People Generate Monthly Income Without Jobs\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/goldenpi.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Do People Generate Monthly Income Without Jobs?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\",\"url\":\"https:\/\/goldenpi.com\/blog\/\",\"name\":\"GoldenPi | Blogs\",\"description\":\"All about bonds online in India\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/goldenpi.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453\",\"name\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"caption\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\"},\"description\":\"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.\",\"url\":\"https:\/\/goldenpi.com\/blog\/author\/seo-agency\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ways to Generate Monthly Income in India Without a Job","description":"Looking for simple ways to earn a monthly income in India without a job? From FDs to bonds, here are some practical monthly income options you can check out.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/","og_locale":"en_US","og_type":"article","og_title":"Ways to Generate Monthly Income in India Without a Job","og_description":"Looking for simple ways to earn a monthly income in India without a job? From FDs to bonds, here are some practical monthly income options you can check out.","og_url":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/","og_site_name":"GoldenPi | Blogs","article_publisher":"https:\/\/www.facebook.com\/goldenpitech","article_published_time":"2026-03-11T03:50:40+00:00","og_image":[{"width":731,"height":347,"url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/03\/11035017\/Blog-27-How-Do-People-Generate-Monthly-Income-Without-Jobs_.png","type":"image\/png"}],"author":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","twitter_card":"summary_large_image","twitter_creator":"@GoldenPiTech","twitter_site":"@GoldenPiTech","twitter_misc":{"Written by":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/","url":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/","name":"Ways to Generate Monthly Income in India Without a Job","isPartOf":{"@id":"https:\/\/goldenpi.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#primaryimage"},"image":{"@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#primaryimage"},"thumbnailUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/03\/11035017\/Blog-27-How-Do-People-Generate-Monthly-Income-Without-Jobs_.png","datePublished":"2026-03-11T03:50:40+00:00","author":{"@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453"},"description":"Looking for simple ways to earn a monthly income in India without a job? From FDs to bonds, here are some practical monthly income options you can check out.","breadcrumb":{"@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#primaryimage","url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/03\/11035017\/Blog-27-How-Do-People-Generate-Monthly-Income-Without-Jobs_.png","contentUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/03\/11035017\/Blog-27-How-Do-People-Generate-Monthly-Income-Without-Jobs_.png","width":731,"height":347,"caption":"How Do People Generate Monthly Income Without Jobs"},{"@type":"BreadcrumbList","@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-do-people-generate-monthly-income-without-jobs\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/goldenpi.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How Do People Generate Monthly Income Without Jobs?"}]},{"@type":"WebSite","@id":"https:\/\/goldenpi.com\/blog\/#website","url":"https:\/\/goldenpi.com\/blog\/","name":"GoldenPi | Blogs","description":"All about bonds online in India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/goldenpi.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453","name":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","caption":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi"},"description":"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.","url":"https:\/\/goldenpi.com\/blog\/author\/seo-agency\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/12363","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=12363"}],"version-history":[{"count":1,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/12363\/revisions"}],"predecessor-version":[{"id":12364,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/12363\/revisions\/12364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/12369"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=12363"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=12363"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=12363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}