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How to Invest 50 Lakhs for Monthly Income

In an ever-changing world, thoughtful financial planning is indispensable. Life’s uncertainties make it essential to plan and ensure your financial well-being. That’s where smart investments come into play, offering a path to long-term financial security. Whether you’re preparing for retirement, managing day-to-day expenses, or handling unexpected emergencies, having a reliable source of fixed monthly income can be a game-changer.Imagine having 50 lakhs at your disposal. It’s substantial enough to pave the way for a comfortable and worry-free life. But the question in the mind is, “How to invest 50 lakhs for monthly income?”

This article will dive deep into this topic, exploring the best options on how to invest 50 lakhs for monthly income. This article will provide you with practical insights on making informed financial decisions.

There are many opportunities in the Indian market to invest 50 lakhs to get a fixed monthly income. Let’s tap into them and explore how you can explore them.

Know How to Invest 50 Lakhs for Monthly Income

When choosing the right investment avenue when investing 50 lakhs for a fixed monthly income, the financial market offers various possibilities. Here are some great options that cater to different financial needs:

1. Government Bonds

Government bonds, or treasury bonds are low-risk investments for people with low-risk appetites. They provide secure investment options that offer consistent income streams. The government bonds offer income options on a monthly, yearly, semi-yearly, or quarterly basis.

You can get fixed interest rates, which are substantial to sustain a lifestyle even if you have huge financial dependencies. When the bond matures, you get back your principal amount along with the accrued interest. This is especially beneficial if you invest 50 lakhs for monthly income as the principal amount is huge.

The government uses these bonds for expenses that the government partakes in. Hence, you can also get monthly income via coupons provided by the Indian government.

2. Post Office Schemes

Post Office Monthly Income Scheme (POMIS) is a reliable option for both urban and rural investors. Even in areas with limited banks or other baking options, the post office serves as a great medium. Therefore, anyone can go to a post office and inquire about how to invest 50 lakhs for monthly income.

It offers attractive returns under a fixed interest rate. However, there’s a cap on the deposit limit. The post office only allows individuals to invest up to INR 9 lakhs for five years. Joint accounts can extend this limit to INR 15 lakhs.

3. Senior Citizen Schemes

The senior citizen savings scheme can be one of the best ways for senior citizens to invest 50 lakhs for monthly income. The Indian Government backs this scheme and it is a high-value returning option for people nearing retirement. The senior citizen scheme helps provide financial benefits and aid to senior citizens.

One of the highest-yielding options, the Senior Citizen Savings Scheme offers an annual interest rate of 8.2%. This government-backed scheme can be an excellent choice when you invest 50 lakhs for monthly income. This helps in securing an enjoyable post-retirement life.

4. Monthly Income Plans (MIPs)

For those looking to invest in mutual funds, Monthly Income Plans (MIPs) strike a balance between fixed-income and equity instruments. They generate a monthly income that can vary based on market fluctuations. Hence, they make a good option if you are looking for ways how to invest 50 lakhs for monthly income through mutual funds.

5. Corporate Deposits

Corporate deposits, also known as company fixed deposits, can be a great solution to how to invest 50 lakhs for monthly income. Non-Banking Financial Companies (NBFCs) offer them as they boast of higher interest rates.

However, flexibility is one of the key differentiators you should consider before investing 50 lakhs for monthly income through corporate deposits. They come with less flexible payment terms. Their main USP lies in the high-interest rates that they offer. 

6. Fixed Deposits

Fixed deposits have been the go-to investment option for decades. A classic investment avenue, fixed deposits are known for their reliability. The tenure varies depending on the bank you choose. Once mature, you receive your principal along with interest.

Because of the reliability and trust in fixed deposits, it can be the most sought-after option for many people looking for ways how to invest 50 lakhs for monthly income.

Different Insurers Schemes for Monthly Income 

Different insurers bring forth a range of monthly income plans, each customized to suit the unique needs of policyholders. The premiums associated with these plans depend on age, income, and individual requirements. When you have 50 Lakhs to Get a Fixed Monthly Income, you can explore the options these insurers offer.

  • Bharti AXA Life Monthly Income Plan Plus

When you want to understand how to invest 50 lakhs for monthly income, this plan works interestingly. You start getting your payouts after you’ve finished paying the premiums. When the plan ends, you’ll get reversionary and terminal bonuses if they apply. You have to pay the premiums for a specific time, and the amount you pay depends on your monthly income. If you go for a policy that lasts 20 or 30 years, you’ll also get discounts on your premiums.

  • Canara HSBC Oriental Bank of Commerce Life Insurance Monthly Income Plan

With 50 Lakhs to Get a Fixed Monthly Income, this plan gives you life insurance coverage for 25 years. It also guarantees you a monthly income for 15 years. You’ll get a sum that’s 100 times the monthly income you choose. There’s a cool feature too: you can use the money you’re supposed to get in the eleventh to fifteenth year to cover the premiums. Plus, the policy might give you extra bonuses on top of your regular payouts.

  • Max Life Monthly Income Advantage Plan

With this plan, you can choose how long you want your monthly income – it could be 10, 20, or 30 years. The monthly income starts after you’ve finished paying your premiums. You can also decide to get all the money as one big payment instead of monthly ones. The policy even gives you extra money when the plan ends. You can use this plan if you have 50 Lakhs to Get Monthly Income.

  • MetLife Monthly Income Plan

This plan offers you life insurance and a monthly income ranging from INR 1,500 to INR 1,00,000. You’ll get this monthly income for 15 years, and the time you pay premiums will be ten years. You can get an extra bonus.

Benefits of Investing in Monthly Income Plans

1. Safety of the deposits

The various FDs available in the market provide great safety in terms of returns and volatility.

2. Returns on your deposits are secure

The monthly plans provide stable returns irrespective of the market economy. This means that you’ll get fixed returns on your income.

3. Flexibility

With monthly plans, you get flexibility regarding interest payout frequency and time. You can choose the maturity period as well as the frequency to pay the interest as per your needs and goals.

4. Ease of online procedure

Many monthly plans provide the option of choosing online modes while investing. This saves the hassle of visiting banks physically, making the whole procedure seamless and convenient. 

Benefits of Monthly Insurance Plans in India

Plan Name Benefits
Canara HSBC Oriental Bank of Commerce Life Insurance Monthly Income Plan



  • The plan covers life coverage for 25 years and monthly income for 15 years.


  • The sum assured offered in this plan is 100 times the monthly income


  • The plan offers annual and terminal bonuses if they are applicable


  • It provides the facility to set off payout receivable against the premium due from the 11th to the 15th year


MetLife Monthly Income Plan


  • The scheme offers life insurance coverage and a monthly income, starting from Rs. 1,500 to Rs. 1,00,000, depending on the plan.


  • Monthly income is available for 15 years.


  • The term plan is 10 years.


  • The plan offers a reversionary bonus also whenever applicable.


Bharti AXA Life Monthly Income Plan Plus


  • They offer a payout when the premium payment term ends.


  • You can avail of reversionary bonuses and terminal bonuses on maturity


  • The investor can pay the premium during the premium payment terms, depending on the chosen monthly income.


  • For long-term policy, the monthly income plan offers a premium discount when the term is  20 or 30 years.


Max Life Monthly Income Advantage Plan


  • The plan gives a monthly income for 10, 20, or 30 years.


  • It pays a monthly income to the insured after the premium payment term ends.


  • They also give the option to choose the entire amount as a lump sum in one go or as a monthly income.


  • The policy offers terminal bonuses when the payout period


Strategies on How to Invest 50 Lakhs for Monthly Income

Let’s dive into the strategy bit of investing 50 lakhs to get a fixed monthly income. Here’s a step-by-step approach to help you navigate the process with confidence:

1. Determine Your Income Needs

Begin by figuring out how much monthly income you want to earn from your investment. This information will guide you best on how to invest 50 lakhs and help you choose the suitable investment scheme to achieve your goals.

2. Choose the Right Investment Avenue

Your risk tolerance plays a key role here. Consider equity funds if you’re comfortable with some risk and want higher returns. Fixed deposits or post office schemes are better options for those who prefer safety.

3. Decide on Investment Tenure

Depending on your financial goals, decide how long you want to keep your investment active. If you want a continuous income stream throughout your life, choose an investment scheme with an appropriate tenure.

4. Prioritize Stability

Opt for investment options that don’t require frequent switches. Look for schemes with flexibility and extensions to avoid repeating or changing the investment process. This stability ensures you’re not constantly adjusting your investments.

5. Plan for the Future

Be clear about your future goals. This information will help you align your investment strategy, with which you can invest 50 lakhs for monthly income in the future.

Importance of Monthly Income

An extra monthly income isn’t just a luxury it’s a practical necessity. It empowers you to manage your day-to-day expenses without stress and provides a safety net for unexpected financial needs. Whether you’re planning for future responsibilities, medical bills, or simply ensuring a stable economic life, a fixed monthly income can be your anchor.

Especially when you have the means to have 50 lakhs at your disposal, it is essential to find ways to invest 50 Lakhs to Get a Fixed Monthly Income.

Understanding Your Investment Journey

So, you’ve got 50 lakhs ready to be invested. The big question is, what’s the best course of action? Well, it all comes down to finding investment options that offer growth potential and stability in terms of monthly income. This is especially important if you’re in the middle stage of life, as expenses will likely increase in the coming years.

Even if you’re already earning a steady income, having an additional income source is smart. Life is unpredictable, and financial crises can arise unexpectedly. This is especially true for those with families and children to care for.

Additionally, if your retirement is near, or if you want to invest 50 Lakhs to Get Fixed Monthly Income in your retirement years, making a well-researched decision can be helpful.


How to invest 50 lakhs for monthly income can be an interesting and informative topic to know about. Adding monthly income plans to your financial plan is important. They give you a dependable way to get money regularly, which is excellent for your future. Each plan has its benefits, so it’s a good idea to think about what you need and are comfortable with.

Look at your goals, how much risk you’re okay with, and what you want in the long run. This will help you decide which plan is the best fit for you.



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