Best Investment Options for Monthly Income in India – April 2025

​At present, in India, many people still have to strive to achieve a stable and steady income, which would be able to provide them a consistent monthly income by April 2025. For retirees looking for financial security or conservative investors targeting predictable returns, or individuals wanting to supplement his income, the best investment options for monthly income should be understood.

One of the best ways to utilize your investment to generate a monthly income that helps meet your financial goals is to diversify your portfolio with these opportunities. These investment options are essential to ensuring regular income and future stability.​

In the digital era, there are numerous platforms that allow making money without an initial capital, outside the context of classic investment instruments. There are some earning apps that do not require an investment, which include Swagbucks, Google Opinion Rewards, and Meesho, which you can earn through surveys, referrals or selling products.

Primarily, these platforms work well for students and homemaker and other people looking to earn some flexible side income without any capital committed. These are non-traditional investment options suitable for supplementary income.​

On another account, technology in finance has created the advent of micro investment platforms which enables people to kick off investments with as much as possible. With this democratization of investing in India, users can grow their wealth slowly as per their income and the goals they would like to achieve.

In our search for a means of earning consistent monthly income, those looking to make better routine return can take advantage of traditional investments as well as modern digital tools in a high return monthly income scheme. These are valuable investment options in India.

Top 10 Monthly Income Investment Options 2025

1. A Post Office Monthly Income Scheme (POMIS)

The best monthly income plan in India, the Post Office Monthly Income Scheme (POMIS) is an India government-backed savings plan, which is intended to give to investors a fixed monthly income. According to April 2025, POMIS announces the annual interest rate of 7.4% with monthly payment. An individual account is only up to ₹9 lakh and jointly recorded up to ₹15 lakh. In all, this scheme is a good option for risk-averse investors who want a monthly income from a source.​Groww

In particular, the low risk of loss and its capability to produce predictable returns make POMIS suitable for persons who would prefer to invest in a secure investment option in India. The government backing of the scheme assures capital protection, making it a popular scheme among conservative investors. But, the interest earned is taxable, and there are no tax benefits available under Section 80 C. This is a widely preferred investment option.

2. Senior Citizen Savings Scheme (SCSS)

Senior Citizen Savings Scheme (SCSS) is an investment plan designed for individuals above 60 years of age and pays an annual rate of interest at 8.2% payable quarterly. SCSS has a tenure of five years extend by three years and the maximum investment limit is ₹15 lakh. This gives a secure way of earning income regularly after retirement to the senior citizens.​

For retirees looking for investment options for monthly income in 2025, SCSS is one of the best investment plans in India for regular income that offers better returns than regular savings accounts or fixed deposits. The interest payouts of the scheme in the fourth quarter of every year enable a steady income which helps in managing day-to-day expenses.

Also, the investments made in SCSS are eligible for deductions under Section 80C, while the interest earned on the investment is taxable. It is among the secure investment options in India.

3. Monthly Income Mutual Funds (MIPs)

Hybrid mutual funds investing in debt securities mainly but part investments made in equities are called Monthly Income Plans (MIPs). The idea behind this blend is to provide consistent income in the form of dividends, as well as hope for capital appreciation.

MIPs are appropriate for investors wishing to be in likely position with benefit of monthly pay-outs. These mutual funds serve as reliable investment options for people seeking monthly returns.​

The advantage that MIPs provide stems from diversification, achieving a combination of the stability of debt type instruments with the growth potential of equities. There are many choices of MIPs for investors to choose from and one can pick the one that is appropriate based on their risk appetite and income needs.

However, remember – like any type of investment, returns from MIPs are rideable and dividends are unguaranteed.

4. Fixed Deposits (FDs) with Monthly Payouts

Traditional investment instrument, Fixed Deposits (FDs), is meant for fixed returns over a given tenure. There are many banks and financial institutions that offer the facility for monthly pay outs of interest amounts on FDs.

The interest rates differ from 6% to 8.5 percent per annum, as per the institution and the tenure. As capital preservation and steady income are their top priorities, conservative investors will prefer FDs. These are simple and trusted investment options in India.

FDs provide flexibility with regard to tenure and investment amount based on the needs of an investor. They offer higher interest rates for senior citizens, who receive additional income to their monthly disbursement. While FDs offer assured returns, the interest income is taxable and premature withdrawals are penalized with extra charges.

5. Annuity Plans from Life Insurance Companies

Annuity plans basically involve investing a lump sum amount with an insurance company known as annuity plan and getting back the amount in the form of monthly, quarterly or annually for a specified time or anything for life. Retirees benefit more from these plans because they give guaranteed income streams.

In turn, the amount of the payout depends on such factors as the amount invested, the age of the individual, and the type of annuity.​

The main advantage of annuity plans is that it provides the monetary safety of a fixed income, ensuring the person can comfortably deal with post retirement expenses. HDFC Life New Immediate Annuity plan offers other payout modes and added benefits such as return of purchase price, in case of death.

However, annuity rates are fixed and the returns may not be as good as other investment options. Still, it remains a notable investment option for retirees.

6. Real Estate Investment Trusts (REITs)

Learning about REITs, you would realize that they are a vehicle that lets you invest in income generating real estate assets while you don’t actually own physical properties. Large portions of their earnings are distributed by them as dividends thereby providing a regular source of income to the investors.

Thus, REITs can be suitable for those who want to diversify their portfolio with a high return monthly income scheme and gain income more frequently.​

As a REIT investment gives you the best of both worlds—you have the chance of capital appreciation as well as regular income. For example, Embassy Office Parks REIT has a dividend yield of 7.3% based in April 2025.

Investment in REITs carries market risks and dividends may change depending on the realisation of their underlying assets. It is among the newer investment options gaining popularity in India.​

7. Long-Term Government Bonds

Debt securities issued by the government to raise fund are called government bonds. This option provides fixed interest payments at regular interval that is a safe investment opportunity to get monthly income. Investors appreciate the stability and predictable returns of long term bonds that mature with maturities from 5 to 40 years.​

Government bonds are safe and profitable instruments, involving capital protection and steady income, and may thus be suggested to secure investment options in India. Bonds may be traded in the secondary market, with the interest earned being taxable. These are considered one of the most stable investment options in India.

8. Corporate Deposits

Corporate deposits are an investment instrument offered by companies in the form of fixed deposit scheme where depositors are offered interest rate higher than that available in the market in the form of fixed deposits offered by banks. Investors are attracted to these deposits as they promise superior returns, but the risk of deposit is higher as the creditworthiness of the issuing company is not good.

Before investing, you need to check the financial health and credit ratings of the companies dealing such deposits. These are riskier investment options with higher return potential.

The Reserve Bank of India (RBI) lowering the repo rate to 6.00% in April 2025 and taking an accommodative stance in support of economic growth made corporate deposits very attractive to investors looking for higher yields. But it is important to maintain vigilance and conduct detailed due diligence prior to a corporate deposit investment considering the risk involved.

9. Systematic Withdrawal Plans (SWPs) from Mutual Funds

Mutual funds provide a convenient way of creating a customized income stream and one of the ways is through Systematic Withdrawal Plans (SWPs), which enable investors to withdraw a fixed amount from their mutual fund investments at regular intervals.

For those who want to be able to control their cash flows but leave their capital invested for possible growth, this is the strategy. Retirees and individuals who wish to receive a steady income instead of selling their entire investment would be particularly suitable for SWPs.

Several mutual funds in India, including SWP options, are available to the investors in April 2025. SBI Equity Hybrid Fund and HDFC Hybrid Equity Fund are two funds which have been performing consistent and are investors’ favorite when it comes to SWP.

While choosing the fund for an SWP it is imperative that one chooses the mutual fund that has a track record of stable returns, expense ratios and expertise of the fund manager. These investment options are tailored for regular income.

10. Dividend-Paying Stocks

A good approach to having a monthly income stream would be to invest in the stocks of companies that have track record of paying dividends. Dividends are not guaranteed, and depend on how well the company performs, but the growth of dividends is often combined with capital appreciation.

Investors willing to take on market risk and want to make a diversified portfolio can use it. These stocks are considered strategic investment options for monthly cash flow.

In fact, several Indian companies have come out with huge dividends in April 2025, making them investment-worthy for income focused investors. For instance, final dividend of ₹26 per share has been declared by CRISIL Ltd and final dividend of ₹117 per share has been announced by Sanofi India Ltd.

Such announcements should be monitored by the investors and such dividend paying stocks can be incorporated within their portfolios in order to achieve some additional monthly income stream.

Exploring Earning Apps Without Investment

In the digital age there are various platforms which allow for people to get paid without making an initial investment. Without investment, these apps give you such earning opportunities:

• Websites: Some Relationship Such as Upwork, Freelancer Server As A Platform To Connect The People Who Want Talents And The People Who Have The Talents To Services In Order To Earn Money With Somebody.​
• Their apps and task based apps like Swagbucks, Toluna and the rest that pay you to fill out surveys and simple tasks.​
• Users can monetize the content through ads and sponsorships on various content creation platforms such as YouTube and TikTok.​
• Affiliate Marketing: An Affiliate Marketing business revolves around promoting products or services mainly through unique referral links and earning commissions with no investment.​
• Flexible opportunities to earn income are offered by these best earning apps without investment, whether this is to top up where you currently make money or to widen the income sources.​

Conclusion

​To attain a constant monthly income, one has to judge the investment avenues and select those which are best suited to your financial goal and risk appetite. In April of 2025, the investors have an abundance of options ranging from the conventional Post Office Monthly Income Scheme (POMIS) and Senior Citizen Savings Scheme (SCSS) to those options being digital in nature and based on mutual funds.

Also, if you want to make money without investment, checking the list of the best earning apps will give you other ideas to add up to your income streams. However, it’s advisable to consult with financial advisors to get an investment strategy that would be the best for you.​

Frequently Asked Questions (FAQs)

1. What are the best monthly income investment options in India for 2025?

Some of the top monthly income investment options in India in 2025 include Post Office Monthly Income Scheme (POMIS), Senior Citizen Savings Scheme (SCSS), Monthly Income Mutual Funds (MIPs), Fixed Deposits with monthly payouts, and Systematic Withdrawal Plans (SWPs).

2. Which investment options offer high returns and monthly income?

Investment options like Monthly Income Plans (MIPs), dividend-paying stocks, REITs, and corporate deposits offer relatively higher returns along with monthly or periodic income.

3. Are there any secure investment options for regular income?

Yes, secure investment options in India such as POMIS, SCSS, and long-term government bonds provide capital safety along with steady returns, ideal for regular income.

4. Can retirees invest in these monthly income options in 2025?

Absolutely. Investment options like SCSS, annuity plans from life insurance companies, and fixed deposits are specifically tailored for retirees looking for regular income in 2025.

5. How do I choose the right investment option for monthly income?

Choosing the right investment depends on your risk appetite, investment horizon, capital available, and income goals. It’s best to diversify across safe and high-return options and consult a financial advisor for a personalized plan.

Disclaimer: This content is for educational use only. Not investment advice. Please research independently before making any investment decisions.