How to Invest 50 Lakhs for Monthly Income

How to Invest 50 Lakhs for Monthly Income


Investors allocate their funds according to their individual risk preferences. People with a high appetite for risk choose to invest in options with high uncertainties, aiming to obtain substantial returns. On the other hand, risk-averse individuals invest in low-risk instruments that offer more stability. There are many opportunities in India How to Invest 50 Lakhs for Monthly Income.

There are several options if you have Rs 50 lakh to invest and aim to secure a regular monthly income. Nevertheless, before investing, assessing your risk tolerance, investment time frame, potential tax impact, and liquidity requirements is essential. 

An extra monthly income lets us save money and quickly meet day-to-day expenses. In addition, a secure income safeguards you against immediate financial emergencies.

How to Invest 50 Lakhs for Monthly Income requires careful exploration of schemes that facilitate both financial growth and stability through regular monthly income. Here, we learn about the best investment options for 50 lakhs to Get Monthly Income.

Also read: How To Save Tax For Salary Above 50 Lakhs

Best Monthly Income Plans for Investing Rs. 50 Lakhs

With an investment of Rs 50,00,000, you open the door to diverse options that fetch an attractive monthly income. If you want guidance on Best Investment for 50 lakhs to Get Monthly Income, we have compiled a list of investment options for you.

1. Government bonds

Government bonds, commonly known as treasury bonds, are the ideal low-risk investment options. These are designed for individuals who want a safe avenue for their funds. These bonds provide regular monthly, quarterly, half-yearly, or annual income, depending on the terms. During the investment period, these bonds pay a fixed interest rate.

Upon reaching maturity, investors receive the principal amount with accumulated interest. Additionally, these bonds can generate monthly income through coupons issued by the Government of India. These bonds serve as a means for the government to raise capital for various expenses.

2. Post office scheme

The post office scheme is another attractive opportunity for investors to Invest 50 Lakhs to Get Monthly Income. However, the maximum permissible investment amount for individual accounts is Rs 4.5 lakh, while for joint accounts, it is Rs 9 lakh. Investors can avail an annual interest rate of 6.6 percent every month. It is a government-backed scheme with a deposit period of five years and is a risk-free investment option.

3. Senior citizen scheme

The Senior Citizens Savings Scheme by the Government of India is an attractive investment opportunity for old age people. This scheme provides retirement benefits to senior citizens. It is one of the options to Invest 50 Lakhs to Get Monthly Income for their post-retirement life.

Currently, the scheme offers an attractive annual interest rate of 8.2%, which ensures promising returns on substantial investment. Additionally, the tenure for this savings plan is five years.

4. Corporate deposits

The corporate deposits scheme is accessible through housing finance companies (HFCs) or non-banking financial companies (NBFCs) within the private sector. These options carry high risk, but they also offer the potential for high returns. As an investor, it is necessary to exercise extreme caution and thoroughly check the rating of the specific financial company before investing.

These options can be attractive for individuals who wish to invest in the private sector and are willing to take high risks. However, considering such plans is essential to be mindful of the associated risks.

5. Fixed Deposit

Fixed deposits are a tried and trusted traditional investment option for individuals looking for How to Invest 50 Lakhs for Monthly Income. Opening a fixed deposit is available in both government and private banks. To maximize returns, investors can divide their investment amount into equal values and open multiple fixed deposit accounts in different banks. For example, by dividing Rs 50 lakh into 5 sections and getting 5 FD accounts in different banks, you can quickly generate a monthly income ranging from Rs 30,000 to Rs 40,000.

Monthly Income Plans Offered by Various Insurers in India

Many insurance companies offer Best Investment plans for 50 lakhs to Get Monthly Income. The sum insured, and premiums for these plans vary depending on factors such as income, age, and specific requirements of the policyholders.

Below are some plans offered by leading insurers in India to Invest 50 Lakhs to Get Monthly Income:

Plan Name Company Benefits
Bharti AXA Life Monthly Income Plan Plus Bharti AXA
  • Payout at the end of the premium payment term
  • The scheme includes terminal bonuses and reversionary bonuses upon maturity (if applicable)
  • The investor pays premiums during the chosen monthly income plan’s premium payment term.
  • Long-term policies may offer premium discounts for 20 or 30-year terms
Canara HSBC Oriental Bank of Commerce Life Insurance Smart Monthly Income Plan Canara HSBC Oriental Bank of Commerce
  • The plan provides life coverage for 25 years and a monthly income for 15 years.
  • The SA is 100 x monthly income.
  • It allows offsetting payout receivable against premiums due from the 11th to the 15th year.
  • The plan may include annual and terminal bonuses if eligible.
Max Life Monthly Income Advantage Plan Max Life
  • The plan provides monthly income options for 10, 20, or 30 years.
  • After the premium payment term ends, it disburses monthly income to the insured.
  • Alternatively, it offers the choice to receive the entire amount as a lump sum instead of monthly income.
  • The policy may include terminal bonuses upon the payout’s conclusion.
MetLife Monthly Income Plan MetLife
  • The scheme provides life insurance coverage and a monthly income ranging from INR 1,500 to INR 1,00,000 (depending on the chosen plan).
  • The monthly income is available for 15 years under the plan.
  • The plan term is 10 years.
  • Reversionary bonuses are also offered, where applicable.

Guide to How to Invest 50 Lakhs for Monthly Income Wisely?

If you have Rs 50 lakh to invest and get high returns, consider equity funds your prime option. However, keep in mind that this option is suitable for risk-tolerant investors. On the other hand, if you prefer a safe approach, a fixed deposit or post office scheme is more suitable.

To start, determine the desired monthly income that you want to earn. Choose an investment plan that offers stable returns to ensure a steady flow of income. Additionally, choose an investment period that aligns with your aim of getting a regular income. Choosing an investment avenue that doesn’t require frequent switches is wise. If a scheme has a short tenure, consider one with an extension option to avoid repeating the investment process.

Finally, clearly understanding your future goals will help you anticipate your needs and expenses. It allows better financial planning without unnecessary pressure on your finances.


While investing Rs 50 lakh, choosing a plan that suits your needs and expectations is essential. Choosing the suitable investment ensures that your financial goals are met without premature withdrawals, which can adversely affect your future returns. Therefore, carefully consider the plans mentioned above, considering your future goals and expenses, to make a well-informed decision.

How to Invest 50 Lakhs for Monthly Income – FAQs

What is the tenure of government bonds to Invest 50 Lakhs to Get Monthly Income?

Ans. The tenure of government bonds varies depending on the amount invested by the individual. Generally, the maturity period of government bonds can range from 5 to 40 years. The interest rate remains fixed during the bond’s tenure and is distributed as a small monthly payment.

What is the interest rate offered by post office schemes in India?

Ans. The Post Office Monthly Income Scheme offers a fixed interest rate of 6.7% for the entire investment period of five years. Interest is paid annually, which provides a monthly income to the investor.

I have Rs 50 lakh to invest. Can I secure a fixed monthly income with MIP?

Ans. The monthly income from MIP depends on the fund’s performance in which your money is invested. The issuer can allocate your funds to high-yield funds; However, mutual fund markets are subject to fluctuations, making it challenging to guarantee a fixed monthly income through MIPs.

How should I select a company to invest in my corporate deposit?

Ans. When considering corporate deposit investments, checking the CRISIL rating of deposits is essential. A higher CRISIL rating indicates a well-performing deposit, which provides a more reliable monthly income stream.

Can I open a fixed deposit (FD) in a private-sector bank?

Ans. Yes, you can open an FD with public and private sector banks.


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