In today’s time, many people in India want to earn some extra income every month. Whether you are a student, a job person, or retired, having a monthly income from your savings is a good idea. It helps you manage bills and the future without any stress.
If you want to invest smartly, you should check the top 5 mutual fund schemes in india which are trusted and give good returns.

  1. Mutual Funds – Smart and Flexible Option
    Mutual funds are now becoming popular for people who want to invest and earn. These funds are run by expert fund managers. They invest your money in shares, bonds, and other places to give you good returns.
    If you want to invest in something good, you should check the top 5 mutual fund schemes in india. These schemes are performing well from the last few years. They are trusted and have a good record. After investing in these funds for 4 to 5 years, you can start a SWP (Systematic Withdrawal Plan). This will give you a fixed money every month. So it’s like getting a second income from your investment.

  2. SIP in Best Performing Funds
    SIP means Systematic Investment Plan. In SIP, you put small money every month in a mutual fund. Even ₹500 is okay to start. This is best for beginners and people who don’t have big money.
    If you want to earn a good return with low risk, then check top performing mutual funds sip in india. These SIPs have given better results in the last 5 years. They are safe and perfect for long-term goals like future income. After some years, you can switch your SIP to SWP. This way, your money grows and also gives you a monthly payout.

  3. HDFC SIP Plans – Trusted Name
    HDFC is one of most trusted brands in India. Many people choose hdfc sip plans in india because it is safe, reliable, and simple to understand. HDFC has different plans like equity fund, balanced fund, and debt fund. You can select what is best for your comfort.
    You can start HDFC SIP with a low amount and continue for 5 to 7 years. Later, you can take a monthly amount using SWP. This way, your savings becomes a monthly income source. HDFC also gives online help to choose the best plan for you.

  4. Bank FD with Monthly Interest
    Fixed Deposits in banks are very simple and low-risk investments. You deposit money in the bank and get interest every month. This is best for old people or those who don’t want to take any risk.
    Almost all Indian banks offer FD with monthly interest option. You can choose the FD time like 1 year, 3 years, or 5 years. Interest rates are between 6 to 8 percent. This is not very high, but it is safe and sure income.

  5. Post Office Monthly Income Scheme
    This is a government-backed scheme. It is called the Post Office Monthly Income Scheme or POMIS. You invest money once, and then you get fixed money every month for 5 years.
    Maximum you can invest is ₹9 lakh (joint account). The return is not very high, but it is very safe and good for people who want fixed monthly income. You can open this account in any nearby post office.

  6. Rental Property Income
    If you have property like a house or shop, then you can rent it. This is a very common way to earn monthly money in India. Rent is regular income, and it increases slowly every year.
    But to buy a property you need big money. Also, you must deal with tenant problems and repairs. Still, for many families, rental income is very helpful.

  7. Use SWP for Regular Withdrawal

 Many mutual funds give you the option to withdraw fixed money every month. This is called SWP – Systematic Withdrawal Plan. You invest in a fund, and after some years, you take a small part out every month.
SWP is good because your main money stays in the fund and grows. It gives a better return than bank and you get money every month like a salary. You can start SWP in funds like HDFC or top SIPs.

  1. Mix Your Investment
    One smart idea is to not put all money in one place. You can divide your money in 3 to 4 parts like:

  • Some in SIP

  • Some in FD with monthly payout

  • Some in POMIS

  • Some in mutual fund with SWP

This way you get monthly income from many places. Even if one income is low, others can help. It is a safe and useful method.

  1. What to Remember Before You Invest
    Before starting any investment, ask yourself few questions:

  • How much monthly income do you want?

  • How much money do you have to invest?

  • Are you ready for small risks or want total safety?

  • Do you want money now or after 5 years?

If you are not sure, then talk to a financial advisor. Don’t invest in unknown or fraud schemes that promise too much return.
Start slow, be regular, and check your money growth every 6 months.

Conclusion
Making a regular income every month is possible if you plan properly. Mutual funds, SIPs, FDs, Post Office schemes, and rent are good choices in India.
If you want a better return, choose the top 5 mutual fund schemes in india. If you want to start with a small amount, then go with the top performing mutual funds sip in india. And if you like trusted brands, then try hdfc sip plans in india.
Invest today and enjoy peace of mind tomorrow.

 

Add-a-heading-25.png