How to invest 25 lakhs for a monthly income
How to invest 25 lakhs for a monthly income Investing ₹25 lakhs for a monthly income requires balancing safety, returns, and risk — aim for 7–9% post-tax yields to generate ₹14,000-₹20,000/month without depleting principal. Popular searches like “best monthly income schemes in India 2026” and “best investment plans for monthly income” highlight FDs, SWPs, and hybrid funds as top picks for steady payouts. Conservative Options (Low Risk) Prioritise capital safety with government-backed or bank products. Bank Fixed Deposits (FDs): Lock ₹25 lakhs at 6.5–7.5% (senior citizens get extra). Monthly payout: ₹13,500-₹15,600. Choose small finance banks like Ujjivan for higher rates; auto-renewal quarterly. Post Office Monthly Income Scheme (POMIS): 7.4% assured; max ₹9 lakhs/family but ladder with family accounts. ~₹15,400/month safely. Senior Citizens Savings Scheme (SCSS): 8.2% if eligible; quarterly but convertible to monthly via SWP. ~₹17,000/month. Balanced Growth Portfolio (Moderate Ri...