Looking for a steady ₹60,000 monthly income? This guide—based on bekifaayati’s video—explains six top investment options to achieve that goal. It helps you plan your investments smartly for financial freedom, whether you’re retired, planning early retirement, or want passive income alongside your job.
1.Senior Citizen Savings Scheme (SCSS)
SCSS is tailor-made for senior citizens (60+ years). It offers a guaranteed return of ~8.2%, paid quarterly.
- Maximum investment: ₹30 lakh.
- Tenure: 5 years (extendable by 3).
- Fully backed by the Government of India.
Ideal if you’re retired and want safe, fixed payouts without market risk. It also offers Section 80C tax benefits.
2. Post Office Monthly Income Scheme (POMIS)
For conservative investors of any age, POMIS offers ~7.4% interest, paid monthly.
- Max limit: ₹9 lakh (single) or ₹15 lakh (joint).
- Tenure: 5 years.
- 100% government-backed.
Perfect for secure, fixed monthly cash flow, with no market exposure.
3. RBI Floating Rate Savings Bonds
These bonds currently offer 8.05%, revised every 6 months.
- Tenure: 7 years.
- Interest paid semi-annually.
- No maximum limit on investment.
Though semi-annual payout requires budgeting, it’s an ultra-safe option for higher returns than fixed deposits.
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4. Corporate Bonds and NCDs
Bekifaayati explains how top-rated companies issue bonds at 8–9% yields.
- Tenures: 3–10 years.
- Monthly/quarterly interest options.
- Credit risk exists—choose AAA or AA-rated issuers.
Suitable for investors who want higher income but can handle a bit more risk.
5. Mutual Fund SWP (Systematic Withdrawal Plan)
For long-term wealth creators who want monthly income from market investments:
- Invest in debt/hybrid/equity funds.
- Withdraw fixed ₹ amount monthly.
- Potential for 8–12% returns (not guaranteed).
It’s tax-efficient (especially equity-oriented funds) and flexible—perfect for those willing to tolerate market risk.
6. Rental Income from Real Estate
Classic but effective—buy a property and rent it out.
- Net yield: 2–4% (plus property appreciation).
- Stable monthly rent.
- Higher ticket size (₹50 lakh+ needed).
Good for diversification and tangible asset lovers, though property management is a consideration.
Final Takeaway
You don’t have to rely on a single plan to earn ₹60,000 monthly. Instead, diversify across these six schemes based on your risk tolerance, age, and financial goals. By mixing secure options with higher-yield opportunities, you can balance stability with growth.
For detailed comparisons, calculators, and personalized planning guides, explore Investment Marg. For even broader personal finance tips and lifestyle hacks, visit InkSpireDaily.
FAQs:
Q1. How much do I need to invest for ₹60,000 monthly?
At 8% annual return, you need ~₹90 lakh. For safer options at ~7.5%, plan for ₹1 crore. Diversifying across these options spreads risk.
Q2. Which plan is safest for seniors?
Senior Citizen Savings Scheme (SCSS) and Post Office Monthly Income Scheme (POMIS) are government-backed and ideal for retirees.
Q3. Can I get monthly income from mutual funds?
Yes! Using SWP, you can withdraw a fixed monthly amount from your investment while your corpus grows over time.
Q4. Are corporate bonds safe?
They carry credit risk. Choose top-rated (AAA or AA) issuers to reduce risk while earning higher yields than bank FDs.
Q5. What if I want inflation-beating returns?
Combine safe instruments (SCSS, POMIS) with growth options (SWP in equity or hybrid funds) for better long-term purchasing power.
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