How to Earn 5000 Rupees Per Month – 7 Best Investment Options in India to Earn 5K Monthly, 2023
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If you want to earn ₹5,000 per month from investments, it's essential to choose the right investment plan that provides regular income with stability. In 2025, there are several investment options available, ranging from low-risk to high-return plans. Let's explore the best investment options in India to generate ₹5,000 monthly.
How to Earn 5000 Per Month in India?
Wondering how can you earn 5000 monthly with investment? It is very important to have investment options that can help you earn high returns that come in handy when you need them the most.
The first name that needs to be taken in this context is that of bank deposits. As far as the financial industry of India is concerned, banks have been the very backbone of the same. The thing with banks is that they are present all over the country. They are masters at catering to the requirements of their customers and that too with the highest degree of safety. So, over here you can easily invest in the likes of fixed deposits that would pay you regular interest.
The money that you invest in a bank is protected by the DICGC (Deposit Insurance and Credit Guarantee Corporation Act). So, there is no need for you to worry about its safety. This is one more reason why investing in a bank account or a fixed deposit could be the best investment plan for you. An FD offers you several benefits such as flexible tenors, good interest rates, preferential rates for senior citizens, maturity value, etc. If you wish to get a monthly return of 5k rupees from an FD you need to invest around 12 lakh rupees over there. Now let’s learn how to earn 5000 per month with the below methods.
Top Investment Options to Earn 5000 Per Month in India
If you want to earn ₹5,000 per month from investments, it's essential to choose the right investment plan that provides regular income with stability. In 2025, there are several investment options available, ranging from low-risk to high-return plans. Let's explore the best investment options in India to generate ₹5,000 monthly.
1. Post Office Monthly Income Scheme (POMIS) – Risk-Free Monthly Income
The Post Office Monthly Income Scheme (POMIS) is a government-backed savings scheme that provides a fixed monthly payout. It is one of the most trusted and low-risk investment options.
| Feature | Details |
| Tenure | 5 years |
| Type of Account | Single or Joint |
| Investment Limit | ₹9 lakh (Joint), ₹4.5 lakh (Single) |
| Interest Rate (2025) | 7.4% per annum |
| Risk Level | Low |
2. National Pension Scheme (NPS) – High-Retirement Returns
NPS (National Pension System) is a long-term investment plan that ensures regular monthly payouts after retirement.
Key Highlights of NPS (2025)
| Feature | Details |
| Entry Age | 18 – 70 years |
| Retirement Age | 60 years |
| Investment Period | Flexible |
| Expected Return | 9% – 12% per annum |
| Monthly Contribution | ₹1,000 minimum |
| Risk Level | Moderate |
3. Atal Pension Yojana (APY) – Government Pension for Unorganized Sector
The Atal Pension Yojana (APY) is a government-backed pension scheme designed to provide fixed monthly pensions between ₹1,000 – ₹5,000 after retirement.
Key Highlights of APY (2025)
| Feature | Details |
| Entry Age | 18 – 40 years |
| Government Contribution | 50% of subscriber’s contribution (up to ₹1,000 annually) |
| Pension Amount | ₹1,000 – ₹5,000 per month |
| Lock-in Period
|
Until 60 years |
| Risk Level | Low |
4. Mutual Funds – Higher Returns with Moderate Risk
Mutual Funds Monthly Income Plans (MIPs) provide dividend payouts, making them an excellent option for earning passive income.
Key Highlights of Mutual Funds (2025)
| Feature | Details |
| Investment Required | ₹6 – 8 lakh |
| Expected Return | 8% – 12% per annum |
| Risk Level | Moderate |
| Payout Frequency | Monthly dividends |
5. Corporate and Government Bonds – Safe Investment with Fixed Returns
Bonds are fixed-income instruments that provide regular interest payouts, making them reliable sources of passive income.
Key Highlights of Corporate & Government Bonds (2025)
| Feature | Details |
| Investment Required | ₹5 – 10 lakh |
| Expected Return | 8% – 11% per annum |
| Maturity Period | 5 – 40 years |
| Risk Level | Low to Moderate |
6. Annuity Plans – Guaranteed Monthly Income for Life
Annuities are a type of insurance plan that provides a guaranteed income stream, making them a secure post-retirement investment option.
Key Highlights of Annuity Plans (2025)
| Feature | Details |
| Payout Frequency | Monthly |
| Plan Types | Immediate and Deferred Annuity |
| Inflation Protection | Available in select plans |
| Risk Level | Low |
7. Life Insurance with Guaranteed Monthly Income – Secure Your Future
Life insurance plans with monthly income benefits provide financial security for your family while ensuring a stable source of income.
Key Highlights of Life Insurance (2025)
| Feature | Details |
| Payout | After policy maturity or policyholder’s demise |
| Investment Types | Term Plans with Monthly Payout |
| Security | Ensures family’s financial stability |
| Risk Level | Low |
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Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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