Investing 10 Lakhs to Get Monthly Income

It’s amazing to possess such a huge sum of money like 10 lakhs in hand. If you get an opportunity to inherit a lump sum of money, don’t be hasty in making a decision. Investing your money is the only way to gain financial freedom in the long term.

You can earn more money and secure your future by investing your money wisely. Investments are a great source of passive income. It can bring financial freedom, let you achieve your passion, give tax benefits, and enable you to beat inflation.

In this blog, we shall discuss the available investment opportunity and how it’s gonna help you to earn a stable income in the future.

7 Ways to Invest 10 Lakhs to Get Monthly Income

There are so many benefits to investing this huge sum. No matter in what way you have received a lump sum maybe through inheritance, huge payment, or savings over the years, you must research maximum to know the best platform to invest it.

Before investing, find an excellent opportunity to invest by doing strategic research that can enhance your wealth. When it comes to 10 lakhs, there are several potential avenues available in the market. Each avenue has its advantages, risks, and potential returns. So, it’s important to analyze various risks, returns, and disadvantages of available choices.

Here in this blog, let’s analyze various choices of investments available in the market. Let me give you an idea about seven major ways to invest 10 lakhs to get monthly income or better returns in the future.

1. Dividend-Paying Stocks

Investing in dividend-paying stocks can be a great way to invest your funds which can provide a chance for monthly income on regular dividends by companies. Dividend-paying stocks are a good choice if you are looking for a boost of income during high inflation and possible recession.

It can give you regular passive income from any stable company. Before investing, search for a standard company that has a good history of consistent dividend payouts.  It is tax-free up to certain limits.

Once you’re clear with dividend-paying stocks, set your account and funds to be invested in dividend stocks. Mutual funds and Exchange-Traded Funds (ETFs) can be a better option for high-dividend stocks, which have a crucial focus on stocks that pay dividends.

The most important aspect of investing is to research any dividend stocks thoroughly before investing. Some companies with high payouts may urge to cut the payment if they suffer financially and if any crisis occurs economically.

2. Real Estate Investment Trusts (REITs)

REITs are an investment company that allows an individual to participate in the real estate market or related assets without directly owning properties. REITs may include income-generating properties like commercial buildings, apartments, hotels, resorts, warehouses, and shopping malls.

They share a part of the rental income as dividends to stockholders. REITs provide a potential source of monthly income along with some benefits. Remember, the income you earn from REITs is taxable.

Thus, it’s a good option where you can invest your 10 Lakhs in real estate structured debt. Investing in REITs is a suitable way to yield regular income from rental earnings and potential capital appreciation.

These investment companies make you invest in income-generating properties. Be aware of market risks and liquidity limitations before you invest. Before investing in a REIT, you should check whether it is publicly traded or not, and how this might influence the benefits and risks to you.

3. Post Office Monthly Income Scheme (POMIS)

Post Office offers The Post Office Monthly Income Scheme (POMIS) which is a government-backed savings scheme that provides a regular monthly income to investors. It is the most trusted place when it comes to depositing and transacting money.

POMIS generates a fixed interest rate and is considered a secure investment option for five years. However, the interest income is taxable. Some of the benefits of POMIS are low-risk investment, guaranteed returns, tax efficiency, capital protection, joint account, multiple account ownership, fund movement, and interest transactions.

With this subtle information, it would be ideal to invest your 10 lakhs in POMIS.

4. Systematic Withdrawal Plans (SWPs)

For investors who wish to invest a lump sum with a diversified portfolio, Systematic Withdrawal Plans (SWPs) can be an effective scheme to generate a regular monthly income. SWPs facilitate investors to withdraw a predetermined amount from their mutual fund investments at regular intervals.

This provides a frequent stream of income while keeping the remaining capital invested for potential growth. Some of the important features of SWP are you are allowed to choose the frequency of the withdrawals, you can redeem your units regularly, and it creates a regular secondary income. It can protect your capital.

Thus, SWPs are an ideal tool to be used wisely to achieve your financial goals. It would be effective if you invested your 10 lakhs under this scheme.

5. Bonds and Fixed Income Instruments

Investing in bonds and fixed-income instruments can offer you a regular income. Government bonds, corporate bonds, semi-government bonds, supranational bonds, emerging market bonds, and fixed-income mutual funds are examples of investment companies that provide fixed-interest payments at regular intervals.

Bonds can offer various benefits like it lowers the risk level within a diversified portfolio. There are different types of bonds: fixed-rate bonds, floating-rate bonds zero coupon bonds.

Fixed-income investing is an investment platform that involves investing your money in low-risk assets that provide a fixed income through interest or dividends Fixed income helps in preserving capital. It is done through coupon payments to investors.

 Thus, these instruments are also a better option for investment. Anyways, before investing look out for its risk and how it generates money.

6. Fixed Deposits (FDs)

 FDs are a familiar investment option that can provide a fixed rate of interest for a specified period of time, maybe from a few months to several years. FDs consider as low-risk investments and can be a suitable choice for conservative investors who are looking for standard returns.

Thus, you can deposit your money in a bank or any financial institution in an FD account. You can earn a guaranteed return over a fixed period of time.

7. Sovereign Gold Bonds (SGBs)

Sovereign Gold Bonds (SGBs) are an opportunity to invest in physical gold. With these bonds, you can gain a capital appreciation and also earn interest every year with a fixed tenure. These bonds are issued by the Government of India and also eliminate several risks associated with physical gold. Returns can be volatile.

So, if you wish to invest in gold without physical ownership this would be the right platform. It allows you to enjoy potential gold price appreciation.


Before investing any lump sum of money, understand and consider various options available in the market. Thus considering risk tolerance, diversification, time horizon, and tax implications. The above-given plans offer avenues for consistent income. Each option is crucial to invest your funds which can embrace your financial goals and risk tolerance.

Thus, proper research is needed to align your funds according to your plans and comfortability. Consider the impact of each available platform before planning for investment.