How To Invest 50 Lakhs To Get A Fixed Monthly Income?

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For a successful life and fulfilling all your goals, one has to invest his money for steady growth. There are two types of options available for each investor which are: 

  • High risk options

  • Low risk options


According to the risk-bearing capacity, every individual can invest and get a fixed monthly income. To invest a big amount for earning an income, the investor should not put all his eggs in the same basket. Every investor should diversify his resources in order to get a steady monthly income.  One can also buy insurance policy online Let's have a look at how to invest Rs 50,00,000 to get a fixed monthly income. Some of the popular options are: 



  1. Post Office Monthly Income scheme: 

  • The maximum deposit per year is Rs 4,50,000 per year for single account-holders. 

  • The upper limit of deposit in a joint account is Rs 9,00,000. 

  • The rate of interest offered is around 6.6% per annum. 

  • The tenure of this scheme is 5 years. 

  • The amount is received on a monthly basis. 

  • It is a low-risk government backed investment option. 

  • In 5 years you will invest Rs 50,00,000 to get a fixed monthly income. 


  1. Corporate Deposits


  • This type of investment option is offered by non-banking financial companies

  • and housing finance companies. 

  • In this type of deposit, when you invest Rs 50,00,000 to get a fixed

  • monthly income, you get around 6.25% interest per annum. The senior

  • citizens get 0.25% more on deposits above Rs 1cr. 

  • You can choose from the different options of payout like

  • monthly, quarterly, half-yearl or annually. If you look at the credit ratings,

  • every company’s FDs are rated by the autonomous agencies

  • like ICRA, CRISIL and CARE. One can get an additional

  • benefit of getting a loan of around 75% against the maturit amount. 

  • Every individual also gets insurance along with a corporate deposit.

  • You can also buy an insurance policy online. 


  1. Senior Citizen saving scheme: 


  • This investment scheme is offered by Indian banks and post offices. 

  • As the name suggests, if you are someone who is above

  • the age of 60 years, then you can invest in this scheme. 

  • An amount Rs 15,00,000 lakh is the upper limit in this scheme. 

  • The 7.4% interest rate is the main attraction. 



  1. Fixed deposits


  • It is one of the traditional ways of investing Rs 50,00,000 to get a fixed monthly income. 

  • The investor can open his/her FD account in a government or private funded bank. 

  • You can deposit in different banks simultaneously. 

  • Get a monthly income around Rs35,000 per month when you deposit around Rs 10,00,000. 

  • For a tenure of 5 years, the banks are offering around 6.25% interest rate. 

  • One can also buy an insurance policy online for securing the FD. 


  1. Monthly income plans offered by different insurance companies: 


Almost all the insurance companies offer a monthly income plan.

Each of these plans are available on digital platforms.


One can fill in their details and buy insurance policy online with utmost ease and comfort.  Out of so many, some of the prominent plans are: 


  • Bharti AXA monthly income plan plus:


  • This monthly income starts once the premium paying term is over. At the time of maturity, one will receive all the terminal bonuses and additional bonuses along with the maturity amount. The premium amount depends upon what will be comfortable for you as a salary. You can also avail certain discounts on investing Rs 50,00,000 to get a fixed monthly income for a tenure of 20 years or more. 


  • Canara, HSBC, Oriental Bank of Commerce Smart Monthly Income Plan:


  • As insurance plans come with dual benefits, you get a life cover for 25 years and a fixed monthly income for 15 years. The sum assured will be 100 times the amount of monthly income chosen. Not only will an investor get sum assured or a fixed monthly income, but he will also get applicable bonuses. If you invest Rs 50,00,000 to get a fixed monthly income, you can easily cover all your future expenses.


  • Max Life Monthly income Advantage plan: Just like other policies,

  • here also you will start receiving the income,

  • once your premium paying term is over. The tenure of the fixed

  • monthly income depends on you where choice

  • can be made from 10, 20 or 30 years. All the bonuses will be given at

  • the time of maturity only. 


  • Metlife Monthly income plan: Along with offering a life insurance cover,

  • the monthly can range from Rs 1,500 to Rs 1,00,000.

  • The premium will be calculated on the basis of your chosen monthly

  • income amount. It also offers reversionary bonuses. 

Build your profile by investing in multiple options to reap the benefits from all possible sources. If you invest Rs 50,00,000 to get a fixed monthly income, it is sure that your post-retirement period will be peaceful and stress-free.

You can take help from the qualified team of okbima who are available at your service 24*7 and you can easily

login with your details and buy an insurance policy online within minutes. 

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