--- title: '6 Safe Investment Schemes for Monthly Income in India' source: 'https://youtube.com/watch?v=0kvsOkSLStw' video_id: '0kvsOkSLStw' date: 2026-08-05 duration_sec: 907 --- # 6 Safe Investment Schemes for Monthly Income in India > Source: [6 Safe Investment Schemes for Monthly Income in India](https://youtube.com/watch?v=0kvsOkSLStw) ## Summary This video, presented by Abule Syed, explores six investment schemes in India that can generate a regular monthly income from a lump sum amount. It covers government-backed options like the Post Office Monthly Income Scheme (POMIS) and Senior Citizen Savings Scheme (SCSS), bank products like non-cumulative fixed deposits and the SBI Annuity Deposit Scheme, as well as mutual fund Systematic Withdrawal Plans (SWP) and real estate rental income. The presenter emphasizes the importance of matching the investment choice to individual needs, risk tolerance, and financial goals. ### Key Points - **Introduction to Monthly Income Investments** [00:05] — The video addresses the common problem of what to do with a lump sum amount to generate regular monthly income, noting that keeping it at home is unsafe and savings accounts offer low returns. - **Post Office Monthly Income Scheme (POMIS)** [01:02] — POMIS is a government-backed scheme where you invest a lump sum and receive monthly interest. The current interest rate is approximately 7.4%, and the maturity period is five years. Example: Investing ₹9 lakhs yields about ₹5,550 monthly interest. The principal is safe and returned after five years. - **POMIS Premature Withdrawal Conditions** [02:42] — If you need to withdraw before five years, there are penalties. Closing within three years after one year incurs a penalty. It's important to check the latest interest rates as they are reviewed periodically. - **Non-Cumulative Fixed Deposit** [03:11] — Banks offer non-cumulative FDs where interest is paid out monthly, quarterly, half-yearly, or annually, instead of at maturity. Example: Investing ₹10,00,000 at a 10-year tenure can earn approximately ₹5,700 monthly interest, with the principal returned after tenure. - **Diversification in FDs** [04:34] — It's advisable to diversify large lump sums across multiple banks rather than depositing everything in one bank FD, to mitigate risk. - **SBI Annuity Deposit Scheme** [05:07] — This scheme, available at State Bank of India, allows you to deposit a lump sum and receive a fixed monthly amount (like an EMI in reverse) for a chosen tenure (3, 5, 7, or 10 years). The monthly payment includes both interest and a portion of the principal, so the principal decreases over time. - **Example of SBI Annuity Deposit Scheme** [06:17] — Depositing ₹5,00,000 at the current interest rate yields approximately ₹9,700 monthly, but this includes principal repayment, so the original investment is not returned separately at maturity. - **Importance of Insurance** [07:09] — The presenter emphasizes the importance of health insurance, noting that a hospital bill can drain savings. He mentions a platform with over 51 insurance partners where you can get health insurance for a premium of ₹400-₹500 per month, with up to 15% discount for online purchase. - **Senior Citizen Savings Scheme (SCSS)** [08:20] — SCSS is for individuals aged 60 and above, offering a comparatively higher interest rate. You can invest from ₹1,000 up to ₹30 lakhs. Interest is paid quarterly, not monthly. Example: Investing ₹30 lakhs yields approximately ₹61,500 per quarter. Tax benefits under Section 80C are available. - **Systematic Withdrawal Plan (SWP)** [10:18] — SWP is the reverse of SIP: you invest a lump sum in a mutual fund and set a fixed amount to be withdrawn monthly. Example: Investing ₹50 lakhs and setting SWP of ₹10,000 per month. The remaining investment has potential to grow with market performance, but there is market risk. - **Real Estate Rental Income** [12:03] — Buying property for rental income can generate monthly cash flow, but it requires careful consideration of location, demand, maintenance, and occupancy. If you can't find tenants, you may not receive expected income. - **Recap and Choosing the Right Option** [13:11] — The video recaps five options: government schemes (POMIS, SCSS), bank deposits (non-cumulative FD, SBI Annuity), SWP, and real estate. The best investment depends on age, financial goals, risk tolerance, and amount available. There is no single 'best' investment; consider safety, liquidity, tax implications, and risk. ### Conclusion The video concludes that there is no one-size-fits-all investment for monthly income. The best choice depends on individual needs, risk tolerance, and financial goals, and it's crucial to consider safety, liquidity, tax implications, and risk before investing. ## Transcript . But many people don't know what to do with that money after saving it. It's not safe to keep it at home, and the returns are very low if you put it in a savings account. So how can we invest that lump sum amount so that we get a regular income every month ? In investment ideas, from government schemes to mutual funds, from low-risk options to options that offer high returns. . So, watch this video till the end without skipping . Also, if you haven't subscribed to our channel yet, also click the bell icon. Hi, my name is Abule Syed. Let's start the video . Many people immediately think of a fixed deposit when it comes to regular income. But before FD, there is a government-backed option that everyone should know about. The same is true of the Post Office Monthly Income Scheme, which is short for POAIS. Monthly Income Scheme means that if you invest a lump sum amount once, you can receive the interest generated on that investment in your bank account every month. In a way, it . You can . However, the current interest rate is approximately 7.4%. Interest rates are reviewed periodically by the government, so it is a good idea to check the latest interest rate before you invest . But let's try to understand this with a small example. Let's say you have interest rates, interest of approximately 5550 will be credited to your account every month . If you invest ₹15 lakhs in the same joint account, you can . If you invest ₹15 lakhs in the same joint account, you can only the principal amount is safe. The maturity period of this scheme is five years, meaning that after the completion of five years, the original amount you invested will be returned to you. During those five years, you will receive regular interest every month . So, for . They said the maturity is five years, which is fine. But if we need money before those five years are complete, are some conditions for it. close within three years after one year, you will incur a penalty. Apart from that, incur a penalty. Apart from that, before investing in this scheme, it is backed monthly income option, but apart from the government scheme, there is also a similar monthly income option within the bank itself . That is a fixed deposit. But there is also an interesting feature that many people don't know about . Many people think that an FD means that the principal plus interest is collected once the tenure is complete There is another option. That is a non- cumulative fixed deposit. If you choose this option, cumulative fixed deposit. If you choose this option, quarterly, half-yearly, or annually . This means that . This means that . Let's say for example you have invested ₹10,000,000 in your bank account as a non-cumulative fixed deposit. Depending on the interest rate of 10 years, you can earn approximately ₹5,700 in interest every month. Here, the principal amount will continue to remain in the FD . After the completion of 10 years, the original amount you deposited will be returned to you. This means that you difference here is that the interest rate, tenure, and bank conditions vary depending on the bank. Therefore, it is advisable to confirm with your bank whether the non-cumulative monthly interest payout option is available before opening an FD discuss here. Many people deposit lakhs of rupees in a single bank FD. But the concept of diversification is very important here too. Rather than depositing a large amount in one bank, it . So if there is a large lump sum amount, it is very important to consider that aspect as well before investing . So, whether it's a government scheme or a bank FD, both can provide monthly income . But the common point between these two options is that your principal amount monthly income, SBI has another interesting option for such people. It is the same as SBI Annuity Deposit Scheme. This scheme can be opened at State Bank of India . Once you deposit the lump sum amount, you can select the tenure of your choice from three years, five years, seven years, or 10 years years, seven years, or 10 years a fixed amount, like EMI, to your account every month. When you hear the word EMI, most people think of a loan. In fact, this scheme is almost the same concept but works in the reverse direction. If we take a loan from a bank, we pay an EMI every month, and that EMI includes the principal . There will be interest. In this scheme, we deposit the amount of the bond in the bank once. Then the bank makes an EMI-like payment to us every month . That payment will include some interest and some of our principal amount . That means we have money coming in every month . But your original investment will also continue to decrease little by little. So let's for example you deposit ₹5,00,000 and at the current interest rate, there is a one thing must be remembered here. That 9,700 is not interest. There is some interest in it. The remaining amount will be returned from your principal amount . That is why the principal amount does not come back separately when the tenure is complete. Because it is already returning to you in the form of monthly installments . So you need a regular monthly cash flow. you need a regular monthly cash flow. can also be useful for those who want to receive the principal amount monthly. But for those who want their principal amount to remain untouched and only the interest to come monthly, a post office AIS or non-cumulative FD may be a better fit. Therefore, it is very important to clearly decide what your requirements are before making an investment tell you all an important point. Family responsibilities are very important. If no one takes on those responsibilities, what is your family's situation? What would no one takes on those responsibilities, what is your family's situation? What would ever thought about this? I haven't made any plans. insurance is very important. Even if you don't have any major or minor ailments, by Even if you don't have any major or minor ailments, by paying a premium of just ₹400 to ₹500, you can paying a premium of just ₹400 to ₹500, you can also get a discount of up to 15% if you buy online now . And there are also over 51 insurance partners on this platform . Health insurance is also very important. A hospital bill can drain your entire savings. For this, you can get decent health insurance coverage by paying a premium of just ₹400 to ₹500 per month For this, you can get decent health insurance coverage by paying a premium of just ₹400 to ₹500 per month . dedicated relationship manager facility is also available on this platform in the comment box. Click on it, compare, read the terms and conditions carefully and take it only if you like it. Now let's continue our video . So, all the options you've seen so far are available to everyone. for a specific age group. The interest rate in this scheme is also comparatively high. That is the Senior Citizen Savings Scheme. SCSS in short, as the name suggests, can be invested in by those aged 60 years or above . You can open an account at a bank or post office . You can start investing from a minimum of 1000. There is an opportunity to invest up to a maximum of 30 lakhs. interest is not paid every month, but Let's try to understand with an example. Suppose a senior citizen invests ₹30 lakhs . At the current interest rate, you can earn interest of up to approximately 61,500 every quarter. This means that if we calculate it on average, senior citizens without a pension, this regular cash flow helps them manage daily expenses. Also, this is a very popular option for safety . There is also a premature withdrawal facility here, but if you close the account before maturity, you will be charged a penalty. So it's charged a penalty. So it's Another advantage is that tax benefits are also available under Section 80C for eligible investors . very good choice for senior citizens if they want to invest in government banked options. they are not higher or lower depending on market performance. And if you're willing to take a little risk, ask if there's an Of course, there is. heard many times about SIP, which is short for Systematic Withdrawal Plan. SIP means investing a small amount every month. SWP is the complete reverse of it, where you first invest a lump sum amount in a mutual fund. Then, depending on your requirements, you can decide how much amount you want to receive in your bank account each month . That amount will be automatically . That amount will be automatically . That's why it's called a systematic withdrawal plan. Let's For example, let's say you sell a property you receive 50 lakhs after retirement . So, if you invest that amount in a suitable mutual fund and set the SWP to have 10,000 deposited into your bank account every month, 10,000 deposited into your bank account every month, . And at the same time, the remaining investment has the potential to grow depending on market performance . This is the biggest advantage that makes SWPA different from other options . But there is one important thing to remember here. . Because your money is invested in mutual funds . If the market performs well, returns can be high. Even if the market is down, there will be temporary fluctuations . So there is potential for higher returns. But there is also market risk with it. That's why you should also market risk with it. That's why you should bank products, and even mutual fund options. But I don't invest in financial products . There are certainly those who think they should buy an asset directly and generate monthly income from it real estate rental income. Many people buy property not only for future appreciation. commercial property can generate a fixed income every month . That's why many people consider real estate even in retirement planning . But buying property is not enough. Its location, demand, maintenance, cost, and occupancy are all equally important. If you buy a property and can't find a tenant for months, you may not receive the expected income. You should also consider costs such as maintenance expenses, repairs, and property taxes . That's why it's very important to choose a location with rental demand before buying a property for rental income . estate can also become an option for generating regular income in the long term. So far, let's talk about a total of five different options. Government-backed monthly income schemes, bank deposits, S&P in mutual funds, and real estate rental income - each option has its own advantages. There are also limitations of their own. That's why we can't say that the same investment is right for everyone. You should choose the right option based on your age, your financial goals, your risk tolerance, and the amount of money you have available do a quick recap. If you want a regular monthly income, a government-backed option is you want a regular monthly income, a government-backed option is . If you want a comparatively higher interest rate after retirement, If you are a senior citizen, you can consider the Senior Citizen Savings Scheme. or SBI NUVIT deposit scheme option is available. If you want long-term growth along with monthly withdrawals, while accepting a little market risk, SWP is an option. If you have more interest in physical assets than financial assets, you more interest in physical assets than financial assets, you remember one thing. Many people ask what the best investment is . In fact, there is no such thing as the best investment. The best investment for you is the one that matches your requirements, so consider not only returns but also safety, liquidity, tax implications, and risk before making a decision . So if you've watched this video so far, that is, until the end, and you liked it, then tell me you liked it. If you don't like it, comment that you don't like it. Also, if you found this video useful, please like it . And also, be sure to tell us which of the above options you prefer in the comments section below . And most importantly, subscribe to our channel now for more finance-related videos like this . My name is Abule Syed. Thanks for watching. For brand partnerships and advertising inquiries, email brand@bola.com or email brand@bola.com or call 9108014192. Boss Valala B Boss