• Login/Sign Up
  • Invest Now

    Want High Returns, Invest Now

      sidebar cta image
      Looking for Alternative Investments Platforms?

      Assetmonk is an Alternative Real Estate Investment Platform that brings High Quality Structured assets with assured Returns for Smart Investors


      How to Invest 30 lakhs for Monthly income?

      • 5 min read
      • Last Modified Date: May 15, 2024
      Listen to the article
      facebook twitter linkdin whatsapp
      • Wondering how to invest 30 lakhs for Monthly income in India? In India, Investing 30 lakh rupees for Monthly income can be a wise financial move. The goal of this blog is to offer a comprehensive how-to guide for investing 30 lakhs to generate a steady monthly income. We will look at different investment options, risks involved, and possible returns. 
      • We’ll also look at the important things to think about when choosing an investment. By understanding the available choices and conducting thorough research, you can make informed investment choices to meet your financial goals.

      Top 8 Investment Options for Investing 30 Lakhs to Get Monthly Income in India

      Real estate Backed Fixed Income Products 

      Structured debt backed by real estate refers to investment products that offer fixed-income opportunities by utilizing real estate assets as collateral. Investors can participate in the real estate market through these investment vehicles without having to manage or own real estate directly. 

      Real estate-backed investments can offer attractive returns through interest payments and potential capital appreciation. However, it’s important to note that returns may fluctuate based on market conditions and the performance of the underlying assets. These alternative investments typically have a return potential of between 12 and 18 percent.

      If you are looking to invest 30 lakhs for Monthly income, Structured debts is the best avenue for you. 

      You can start your investment journey with Assetmonk’s real estate structured debt offerings with a minimum investment horizon of 36 months and a remarkable internal rate of return (IRR) at 17%.

      Fixed Deposits (FDs)

      When looking for a safe way to generate monthly income, risk-averse investors often opt for fixed deposits. Fixed-rate bonds (FDs) are provided with a fixed interest rate for a predetermined period of time by banks and financial institutions. Although they provide capital protection, their returns may not be as high as those of other investment options. Additionally, the interest income from FDs is taxable.

      10 Lakhs Banner

      Post Office Monthly Income Scheme (POMIS)

      The Post Office Monthly Income Scheme is a government-backed savings scheme that offers a Monthly monthly income to investors.  POMIS offers a fixed interest rate and is regarded as a reasonably safe investment option, with a five-year lock-in period.  However, the interest income is taxable.

      Dividend-Paying Stocks

      Investing in dividend-paying stocks can provide an opportunity for monthly income through Monthly dividends distributed by companies. Look out dependable businesses that have a track record of paying out dividends on time. Even though dividend income is typically tax-free for individual investors up to a specific amount, it is crucial to stay informed about tax laws.

      Real Estate Investment Trusts (REITs)

      Through the use of REITs, investors can take part in the real estate market even if they do not directly own any real estate. Real estate investment trusts, or REITs, invest in properties that generate income, such as shopping centers, office buildings, and apartments, and they pay dividends to their shareholders from the rental income. REITs offer a potential source of monthly income with the added benefit of diversification. However, the income earned from REITs is taxable.

      Debt Mutual Funds

      Debt mutual funds are managed by professional fund managers and invest in fixed-income securities like government bonds, corporate bonds, and money market instruments. The goal of these funds is to produce consistent returns with less volatility than equity funds. Taxes apply, and the returns on debt mutual funds can change based on the state of the market.

      Systematic Withdrawal Plans (SWPs)

      Systematic Withdrawal Plans (SWPs) are a useful instrument for investors who have a diversified portfolio and want to create a consistent monthly income stream. With SWPs, investors can take Monthly, pre-planned withdrawals from their mutual fund investments in amounts up to a predetermined amount. This approach provides a consistent stream of income while keeping the remaining capital invested for potential growth.

      Bonds and Fixed Income Instruments

      Investing in bonds and fixed-income instruments can provide a Monthly income stream. Investment instruments that provide fixed-interest payments on a Monthly basis include corporate bonds, government bonds, and fixed-income mutual funds.

      Assessing Investment Options of Investing 30 Lakhs For Monthly Income in India

      Comparison Table of Investment Options

      ReturnsYieldSecurityVolatility RiskTax Implications
      Real estate structured debt12-20%12-20%Secured by Real EstateLow-NoneTaxation
      Fixed Deposits4-8%VariesBank GuaranteeLowInterest income taxable
      POMIS7.1%VariesSovereign GuaranteeLowInterest income taxable
      Debt Mutual Funds6-9%VariesDiversified PortfolioModerate to highTaxation on gains
      Dividend-paying StocksVariesVariesNo guaranteeHighTaxation on dividends
      REITs8.11% (Mindpsace REIT)5.5%-7.5%No guaranteeModerate to HighTaxation on dividends
      Systematic Withdrawal Plans6-8%VariesNo guaranteeModerate to highTaxation on gains
      Bonds & Fixed Income Instruments4-8%VariesSovereign guaranteeModerateTaxation on gains

      How to Invest Rs. 30 lakhs in Real Estate Structured Debt With Assetmonk?

      You can invest your hard-earned Rs. 30 lakhs into Assetmonk’s real estate structured debt products. The fixed-income nature of these products implies that they are committed to returning a fixed amount to investors Monthly, akin to receiving scheduled interest payments on a loan. They also carry just moderate risk. And guess what? Get an assured IRR of 17 percent. 

      Assetmonk is committed to providing investors with top-notch alternative investment opportunities backed by real estate. The investment products are backed by assets and provide an Internal Rate of Return (IRR) of 17% guaranteed. It also guarantees investors a smooth exit strategy. 

      These investment opportunities are carefully selected from India’s thriving private markets and are overseen by a trustee registered with SEBI.  Investors can benefit from stress-free investing and enticing high returns and although the interest earned is taxable, a silver lining comes in the form of potential tax benefits where investors can claim tax benefits of up to Rs 50,000

      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 Investment of 30 lakhs with Assetmonk Benefit You?

      30 lakhs for Monthly income

      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.
      • 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. For risk-averse investors looking to preserve capital and earn income, this makes them a desirable alternative.
      • 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.
      • 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.
      • 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.
      • 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.

      Things to Consider Before Investing 30 Lakhs 

      Before investing 30 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

      Investing 30 lakhs for Monthly income in India requires careful consideration and understanding of various investment options. Fixed deposits, Post Office Monthly Income Scheme, debt mutual funds, dividend-paying stocks, REITs, and systematic withdrawal plans offer avenues for consistent income. Each option comes with its risks, returns, and tax implications, and it is crucial to align your investments with your financial goals and risk tolerance. 

      Before making any investment decisions, conduct thorough research, assess your investment objectives, and consult with a financial advisor if needed. Diversifying your investments, staying updated with market trends, and reviewing your portfolio periodically is key to maintaining a successful income-generating investment strategy.

      Assetmonk is a dedicated alternative investment platform that provides investors with exceptional alternative investment choices backed by real estate. These investment products not only promise a solid IRR of 17% but also come with asset-backed security and a convenient exit strategy. Carefully curated from India’s thriving private markets, these investment opportunities are overseen by a trustee registered with SEBI. With a minimum investment of just 10 lakhs, you can enjoy the advantages of stress-free investing and attractive high returns.

      Related Articles

      1. How To Invest 10 Lakhs Rupees For Monthly Income 

      2.  How To Invest 25 lakhs for Monthly Income.

      3. 18 Best Investment Options in India to get Higher Returns 


      Q1. How to invest 30 lakhs for Monthly income?

      A. You can invest 30 lakhs for Monthly income in FDs, ULIPs, debt mutual funds, POMIS, PPF, and NSC. These ensure you a monthly income. 

      Q2. Which is the best way to invest 30 lakhs?

      A. The best way to invest 30 lakhs is via real estate structured debt. Real estate structured debt emerges as a compelling investment choice for those seeking steady monthly income. This investment avenue involves lending capital to real estate projects, often through bonds or debt instruments, and receiving Monthly interest payments. Especially via alternative investment platforms like Assetmonk, you can invest with just Rs. 10 lacs for 36 months and get an assured IRR of 17%.

      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.

      Assetmonk Investment
      Sign up for smart insights from industry experts!
      Invest Now