How to Earn 5000 Rupees Per Month – 7 Best Investment Options in India to Earn 5K Monthly, 2023

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