Looking to earn a fixed monthly income of ₹60,000 in 2025 through safe and smart investments? Whether you’re planning for retirement, early financial freedom, or passive income alongside a job, the right investment plan can turn your capital into consistent monthly cash flow.
In this article, we explore the 6 best investment plans that can help you generate ₹60,000 per month – reliably and efficiently.
🎯 Target: ₹60,000 Per Month = ₹7.2 Lakhs Annually
To generate this kind of monthly income, you typically need to invest around ₹70–90 lakhs depending on the returns and risk appetite. Let’s explore the options:
💼 1. Senior Citizen Savings Scheme (SCSS)
Best for: Retirees (Age 60+)
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Interest Rate (2025): ~8.2% p.a. (subject to revision quarterly)
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Maximum Investment: ₹30 lakh (individual), ₹60 lakh (joint)
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Payout: Quarterly
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Monthly Income from ₹30L: ₹20,500 approx.
🟢 Safe, government-backed
🔴 Only for senior citizens
✅ Strategy: A couple (both 60+) can invest ₹60 lakh and earn ~₹41,000/month combined from SCSS alone.
🧾 2. Post Office Monthly Income Scheme (POMIS)
Best for: Risk-averse investors
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Interest Rate: ~7.4% p.a.
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Investment Limit: ₹9 lakh (single), ₹15 lakh (joint)
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Payout: Monthly
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Monthly Income from ₹15L: ₹9,250 approx.
🟢 Assured monthly payout
🔴 Interest taxable
✅ Combine with other schemes like SCSS or annuity for total ₹60,000/month
🏦 3. Bank Monthly Income Fixed Deposits
Best for: Stable income without market risk
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Interest Rate: 7%–7.5% (varies by bank & tenure)
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Monthly Interest from ₹10L @7.5%: ₹6,250
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Liquidity: Medium (penalty on early withdrawal)
🟢 Low risk
🔴 Interest taxable
✅ Invest ₹80 lakh @7.5% = ₹60,000/month
📈 4. Mutual Fund Monthly Income Plans (MIPs)
Best for: Moderate risk-takers
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Type: Hybrid funds (Debt + Equity)
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Expected Returns: 8–10% p.a.
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SWP (Systematic Withdrawal Plan) can provide steady monthly payouts
🟢 Inflation-beating returns
🔴 Returns not guaranteed
✅ ₹90 lakh in balanced fund @8.5% = ₹63,750/month (approx.)
🧓 5. Annuity Plans from LIC or HDFC Life
Best for: Guaranteed lifelong income
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Payout: Monthly/Quarterly
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Returns: 6%–7% annually (guaranteed)
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Amount Needed for ₹60K/month: ₹1–1.1 crore (depending on age & plan)
🟢 Peace of mind; zero risk
🔴 Low returns; capital locked for life
✅ Use part of your corpus for annuity + invest rest in FDs or MFs
🏘️ 6. Rental Income from Real Estate
Best for: Long-term wealth + monthly income
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Typical Yield: 2.5%–6% annually (residential), up to 9% (commercial)
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Example: ₹1.2 crore property with ₹60K/month rent = 6% yield
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Maintenance/Taxes: Extra costs to consider
🟢 Tangible asset + passive income
🔴 High capital, low liquidity, market-dependent
✅ Consider REITs for easier entry and monthly income without property ownership.
📊 Summary Table: Best Monthly Income Plans
| Investment Option | Expected Return | Amount for ₹60K/month | Risk Level | Liquidity |
|---|---|---|---|---|
| SCSS (Senior Citizen) | 8.2% | ₹60L (joint) | Very Low | Medium |
| POMIS (Post Office) | 7.4% | ₹70–75L | Very Low | Medium |
| Bank Monthly FD | 7.5% | ₹80L | Low | Medium |
| Mutual Fund MIP (SWP) | 8–10% | ₹85–90L | Moderate | High |
| LIC/HDFC Annuity | 6–7% | ₹1–1.1 Cr | Very Low | Locked |
| Real Estate Rental | 5–8% | ₹1.2 Cr (asset) | Moderate | Low |
🧠 Expert Strategy: Hybrid Approach to Earn ₹60,000/Month
To balance risk and flexibility:
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₹30L in SCSS (joint account) → ₹20,500/month
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₹15L in POMIS → ₹9,250/month
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₹25L in Monthly FDs → ₹15,600/month
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₹20L in SWP mutual funds → ₹15,000/month
➡️ Total Income = ₹60,350/month
➡️ Total Capital = ₹90 lakh
✅ Final Thoughts
In 2025, generating ₹60,000 monthly income is realistic if you combine the safety of government schemes with the returns of mutual funds or real estate. Diversifying your capital ensures steady income, tax efficiency, and long-term sustainability.
Choose based on your age, risk appetite, financial goals, and liquidity needs.
