I’m looking for ways to generate a stable monthly income from ₹1 Cr.
For context:
I already have investments in the stock market, which I don’t plan to touch for the next 5–10 years.
This ₹1 Cr is additional capital meant purely for income generation.
Personal situation:
Recently moved back to India from Canada with my wife
Living with my father and grandfather
No loans/liabilities
Family already owns assets like a Fortuner, tractors, and agricultural equipment
Most household expenses are taken care of by my father
So this income is mainly for lifestyle spending (movies, travel, activities, etc.).
No kids yet.
What I’ve explored so far:
Corporate Bonds (~10–11% yearly)
→ Monthly payouts available, but seems risky
Fixed Deposits (~7.5–8% yearly)
→ Safer option with monthly interest
→ Planning to split into ₹5L chunks across banks to stay within DICGC cover
→ Considering joint FDs with family members across 2–3 banks
What I’m looking for:
Safe / low-risk options
Regular income (monthly preferred, quarterly acceptable)
Capital protection is priority over high returns
