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      How to Invest 25 Lakhs for Monthly Income

      • 5 min read
      • Last Modified Date: July 18, 2024
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      • How to invest 25 lakhs for monthly income? Investing 25 Lakhs monthly income in India requires careful planning, prudent decisions, and a clear understanding of various investment options. Whether you’re a retiree seeking passive income or an individual aiming to supplement your regular earnings,
      • In this guide will provide you with valuable insights and strategies to achieve your financial goals.
      • Let’s explore some diverse investment avenues for how to invest 25 lakhs for monthly income. These can help you generate monthly income while maintaining a balanced risk profile.
      • But, if you are looking for the best way to invest 25 lakhs for monthly income and high returns, commercial real estate structured debt is the best.

      Considerations For Investing 25 Lakh Rupees for Monthly Income

      • Investing 25 lakhs for a monthly income is a wise decision if you seek a steady stream of funds to lead a financially independent life.
      • Various financial instruments are available to cater to your needs, allowing you to choose based on your financial goals and risk appetite. To make well-informed investment decisions, consider the following factors:

      Tenure of the Investment Scheme

      Before committing to any investment, assess the tenure of the asset. Some investment options come with shorter terms, like Certificates of Deposits and liquid funds, while others have longer tenures, such as Public Provident Fund and National Pension Scheme. The tenure should align with your financial objectives.

      Type of Investment

      A plethora of investment plans are available in the market, including mutual funds, direct equity, fixed deposits, bonds, and real estate, among others. Each option has its own advantages and disadvantages, which should be thoroughly analyzed before making a decision. Furthermore, consider your financial goals and risk profile to select a suitable investment option.


      Different asset classes offer varying returns based on type, market performance, and other factors. Fixed-income investments, such as fixed deposits, generally offer lower interest rates compared to mutual funds, which have the potential for higher returns. Assess the potential returns carefully to determine if the investment option aligns with your financial goals. Additionally, factor in inflation and compare it to the offered returns when making your choice.

      Tax Liability

      When investing 25 lakhs for monthly income, it’s essential to consider the associated tax liabilities. For instance, senior citizens receive an exemption of up to Rs. 50,000 annually on interest income. On the other hand, most mutual fund returns are subject to taxation under capital gains. Understanding the tax implications will help you make tax-efficient investment decisions and maximize your overall returns.

      Where to Invest 25 Lakhs to Get Monthly Income in India

      Real Estate Structured Debt

      Structured debt backed by real estate is the best investment plan for monthly income. It is a financial product that presents fixed-income prospects by using real estate assets as collateral. These investment instruments enable investors to participate in the real estate market without the responsibilities of direct property ownership or management. Real estate-backed investments have the potential to deliver appealing returns through interest payments and potential capital appreciation. Nevertheless, it’s crucial to bear in mind that returns may vary depending on market conditions and the performance of the underlying assets. Generally, these investments, through alternative investment avenues, have the potential to generate returns ranging from 12 percent to 18 percent.

      Fixed Deposits (FDs) and Recurring Deposits (RDs)

      For risk-averse investors, Fixed Deposits (FDs) and Recurring Deposits (RDs) offered by banks can be an ideal starting point. FDs provide a predetermined interest rate over a fixed tenure, while RDs allow you to invest a fixed amount monthly for a specific period. Although these options offer lower risks, keep in mind that the interest income is taxable.

      Are You Looking For Alternatives To Fixed Deposit

      Monthly Income Plans (MIPs) through Mutual Funds

      MIPs are one of the best monthly income investments. Mutual Funds offer Monthly Income Plans (MIPs), which are designed to provide regular income to investors. MIPs invest in a mix of debt and equity instruments, offering moderate risk exposure. They aim to distribute dividends periodically, making them a suitable choice for generating monthly income.

      Systematic Withdrawal Plans (SWPs)

      If you have a significant mutual fund investment, consider utilizing a Systematic Withdrawal Plan (SWP). This approach allows you to withdraw a fixed amount regularly from your mutual fund, providing a steady income stream while potentially benefiting from capital appreciation.

      Dividend Yield Stocks

      Investing in dividend-paying stocks can be an effective strategy to generate monthly income. Look for companies with a consistent track record of paying dividends. However, keep in mind that stock market investments carry higher risks, and dividend payments are not guaranteed.

      Real Estate Investment Trusts

      REITs serve as investment instruments that enable investors to access the real estate market without owning physical properties. These vehicles invest in income-generating real estate assets like commercial buildings, apartments, and shopping malls, distributing a portion of the rental income to shareholders as dividends. REITs present an attractive opportunity for potential monthly income while offering the advantage of portfolio diversification. Nonetheless, it’s important to note that the income derived from REITs is subject to taxation.

      Government and Corporate Bonds

      Government bonds, such as RBI Savings Bonds or National Savings Certificate (NSC), and corporate bonds can provide steady returns and regular interest payments. Government bonds are low-risk investments, while corporate bonds carry slightly higher risks but offer potentially higher returns.

      Post Office Monthly Income Scheme (POMIS) 

      POMIS is a government-backed investment scheme designed to provide monthly income to investors. To open a POMIS account, you can visit any post office and deposit a minimum of INR 1,000. However, the maximum deposit allowed is INR 9 lakh for an individual account and INR 15 lakh for a joint account. The tenure of the POMIS is fixed at 5 years, and the current interest rate stands at 7.40% per annum, with interest payments made on a monthly basis.

      Public Provident Fund (PPF)

      The Public Provident Fund (PPF) is a savings scheme backed by the government, offering a secure and tax-efficient long-term investment opportunity. Though it does not provide monthly income, it is an excellent choice for accumulating wealth over time as part of your investment strategy.

      Senior Citizen Savings Scheme (SCSS)

      For senior citizens aged 60 and above, the Senior Citizen Savings Scheme (SCSS) offers an attractive option. It provides a higher interest rate and regular interest payments, making it suitable for retirees seeking a monthly income stream.

      Systematic Investment Plans (SIPs)

      If you are open to taking a moderate level of risk for potential higher returns, consider Systematic Investment Plans (SIPs) in equity mutual funds. SIPs allow you to invest small amounts regularly, reducing the impact of market volatility and promoting long-term wealth creation.

      How To Invest 25 lakhs for Monthly Income: A Comparison Table of Investment Options

      As evident from the table presented earlier, structured debt real estate emerges as the most favorable investment choice when seeking to invest 25 lakhs for monthly income. Through alternative investment platforms such as Assetmonk, investors can secure a guaranteed Internal Rate of Return (IRR) at an impressive rate of 17 percent. Furthermore, investors have the opportunity to benefit from potential tax savings of up to Rs. 50k. Wow, right?

      How to Invest Rs. 25 lakhs in Real Estate Structured Debt With Assetmonk 

      You can invest your hard-earned Rs. 25 lakh in the Fractional Ownership Commercial Real Estate . They are also fixed-income investments. The fixed-income nature of these products implies that they are committed to returning a fixed amount to investors regularly, akin to receiving scheduled interest payments on a loan. They also carry just moderate risk. And guess what? Get an assured IRR

      Assetmonk is committed to providing investors with top-notch alternative investment opportunities backed by real estate. The investment products offer a guaranteed Internal Rate of Return (IRR) of 17% and are secured by assets. Additionally,  it assures investors of a seamless exit option. These investment opportunities are carefully selected from India’s thriving private markets and are overseen by a trustee registered with SEBI.

      With a minimum investment of just 25 lakhs, investors can enjoy the benefits of stress-free investing and attractive high returns. This is an exceptional chance to capitalize on India’s economic growth and be part of its success story. Don’t miss out on this exciting development that allows you to ride the wave of economic prosperity in India.

      How can Invest 25 lakhs with Assetmonk Benefit You?

      Assetmonk’s real estate-backed structured debts can be an attractive investment opportunity for retail investors due to several reasons:

      • Diversification: Investing in real estate-backed structured debt allows retail investors to diversify their portfolios by adding exposure to the real estate market, which may not be closely correlated with the performance of traditional asset classes like stocks and bonds.
      • Higher yields: Real estate-backed structured debt products, such as Asset Backed Securities (ABS) often provide higher yields with an assured IRR of 17 percent.
      • Capital preservation: Some structured debt products offer capital protection features, meaning that investors may be protected from significant losses in case the underlying real estate assets underperform. This makes them an attractive option for risk-averse investors seeking income and capital preservation.
      • Predictable cash flows: Real estate-backed structured debt products typically provide regular and predictable cash flows in the form of interest payments from the underlying mortgages or loans, making them suitable for income-seeking investors. The IRR generated from the investment is also assured for investors.
      • Exposure to real estate market growth: By investing in real estate-backed structured debt, retail investors can indirectly participate in the growth of the real estate market and benefit from potential increases in property values.
      • Professional management: Structured debt products are managed by experienced professionals who carefully analyze the underlying assets and structure the products to optimize risk and return for investors.
      • Liquidity: These real estate-backed structured debt products, such as ABS, MBS, or CMBS, are traded in the secondary market, providing investors with a certain level of liquidity.

      Considerations Before Investing 25 Lakhs to Get Monthly Income in India

      Before investing 25 lakhs to get monthly income in India, it is crucial to consider the following factors:

      Risk Tolerance

      Evaluate your risk tolerance and choose investments that align with your comfort level. Investments with higher potential returns may carry greater risks.


      Diversify your portfolio across different asset classes to mitigate risk. Consider allocating your investment across multiple options to balance potential returns and income stability.

      Time Horizon

      Determine your investment time horizon, as it can influence your choice of investment options. Investments with longer lock-in periods may provide higher returns but limit liquidity.

      Tax Implications

      Understand the tax implications associated with the chosen investment options. Consider the impact of taxation on the monthly income generated.

      Bottom Line

      Now that we know how to invest 25 lakhs for monthly income, investing 25 Lakhs for monthly income in India demands careful planning. It also requires a clear understanding of your financial goals, and a willingness to assess and manage risks. By diversifying your investments and leveraging various avenues such as fixed deposits, mutual funds, real estate, and bonds, you can create a reliable source of monthly income. Regularly review your portfolio, stay updated on market trends, and seek advice from financial experts if needed. With patience and prudence, you can achieve your financial objectives and enjoy a secure and comfortable future.

      Assetmonk, a rapidly expanding and promising alternative investment platform in India, is dedicated to providing exceptional investment prospects backed by real estate assets. With a strong presence in Mumbai, investors gain access to a diverse array of meticulously chosen, high-yield projects sourced from India’s flourishing private markets. By participating with a minimum investment of Rs. 10 lakhs in our structured debt offerings within the commercial real estate sector, investors can confidently enjoy an assured 17 percent Internal Rate of Return (IRR).

      Reference Links

      1. How To Invest 10 Lakhs Rupees For Monthly Income in India
      2. Structured Debt Backed by Real Estate vs. Debt Mutual Funds: Exploring Risk and Yield Potential.
      3. Structured Debt Backed by Real Estate vs Public Provident Fund.


      Q1. How to invest 25 lakhs for monthly income?

      A. You can invest 25 lakhs for monthly income in the following avenues:

      • Real estate structured debt
      • Monthly Income Plans
      • SIPs
      • SWPs

      Q2. How to invest 15 lakhs for monthly income?

      A. You can invest 15 lakhs for monthly income in commercial real estate structured debt. Although via alternative platforms like Assetmonk, you only need to put in 10 lakhs.

      Q3. How to get monthly income from investments?

      A. The best investment to get monthly income is real estate. Real estate ensures you assured monthly income via rental income and capital appreciation.

      Q4. Which is the best investment plan for monthly income?
      A. The best investment plan for monthly income is commercial real estate structured debt. It is a fixed-income investment with an assured IRR of 17 percent via alternative investment platforms like Assetmonk.

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