Top 10 Monthly Income Schemes in India (2025)

Top 10 Monthly Income Schemes in India (2025)

If you're looking for stable and consistent income every month, here are the top 10 monthly income schemes in India that are trusted, safe, and suitable for both salaried and retired individuals.

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1. Senior Citizen Savings Scheme (SCSS)

Government-backed scheme offering quarterly interest payouts. Ideal for retired individuals aged 60+.

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2. Monthly Income Scheme (MIS) – Post Office

Offers steady monthly interest income with 5-year maturity. Safe and backed by India Post.

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3. Bank Monthly Income Fixed Deposits

Private and public sector banks offer monthly interest payout FDs for investors seeking regular income.

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4. Monthly Dividend Paying Mutual Funds

Some mutual funds offer dividend payout options on a monthly basis, though returns are not guaranteed.

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5. Corporate Fixed Deposits

Offered by large companies like Bajaj Finance, Mahindra Finance etc. with monthly payout option.

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6. Pradhan Mantri Vaya Vandana Yojana (PMVVY)

Pension scheme for senior citizens by LIC offering monthly payouts for 10 years.

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7. Monthly Rental Income (REITs)

Invest in Real Estate Investment Trusts (REITs) to earn monthly rental income passively.

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8. Government Bonds with Interest Payout

Bonds that offer monthly or biannual interest payouts, usually with sovereign guarantee.

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9. Life Insurance Monthly Payout Plans

Some life insurance plans offer survival benefits or monthly guaranteed income after maturity.

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10. Annuity Plans by Insurance Companies

Purchase once and receive fixed monthly pension for life. Offered by LIC and private insurers.

Disclaimer: Monthly income schemes may vary in risk, return, and lock-in. Always consult a financial expert before investing.

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