How to Earn Rs 1 Lakh Passive Income Every Month

Passive Income Every Month:

Many people dream of earning Rs 1 lakh every month without depending only on their salary. This is possible through smart investment planning. By creating multiple income sources, such as rent, fixed deposits, or mutual funds, one can secure steady passive income. Let’s see some safe and practical options.

Passive Income Every Month:

Fixed Deposits (FDs)

For those who do not want to take much risk, fixed deposits are a good choice. To earn Rs 1 lakh per month through FDs at 6% annual return, you need to invest about Rs 2 crore. This will give you Rs 12 lakh per year, which means Rs 1 lakh per month. If you invest in schemes with 8% returns, you will need around Rs 1.5 crore for the same income.

Senior Citizen Schemes

Post Office Senior Citizens’ Savings Scheme currently offers 8.25% interest. This is a safe and regular income option for retired people.

Mutual Funds

If you are ready to take moderate risk, mutual funds are a good option. Balanced Advantage Funds, Hybrid Funds, and Equity Savings Funds can give more than 8% returns. Many funds also allow Systematic Withdrawal Plans (SWPs), where you can withdraw 4–5% every year safely without losing your entire capital. For a monthly withdrawal of Rs 1 lakh, you may need Rs 2–3 crore in your mutual fund portfolio.

ETFs and Digital Gold

Exchange Traded Funds (ETFs) and Digital Gold are also growing in popularity. These are market-linked investments and can give better long-term returns compared to fixed deposits.

Key Point

The right investment depends on your age, risk appetite, and financial goals. Experts suggest diversifying your money—put some in safe options like FDs and senior citizen schemes, and some in growth options like mutual funds and ETFs.

To build a monthly passive income of Rs 1 lakh, you need to plan early and invest wisely. With a mix of safe and growth-oriented investments, you can achieve financial freedom and enjoy a stress-free future.

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