How to Earn ₹15,000/Month from Bank Savingsbgm344 BGM344

How to Earn ₹15,000/Month from Bank Saving – Best Passive Income Methods in 2025

Introduction:

In 2025, simply saving money in a regular savings account is no longer enough. With inflation climbing and bank savings rates as low as 2.7%, your money is actually losing value. But what if your savings could work for you and generate a stable monthly income of ₹10,000 to ₹15,000, without trading stocks, crypto, or risky mutual funds?

Yes, you can earn monthly income from banks—safely and legally—using smart financial products available in India today. This article reveals how to earn ₹15,000/month using high-interest fixed deposits, senior citizen schemes, and bank-backed investment plans in 2025.

Why Monthly Income from Banks is Better in 2025

Most working-class Indians and retirees are moving from risky investments toward guaranteed income options. Here’s why:

Zero market risk
Fixed and predictable monthly cash flow
Low or no tax (on certain options)
Peace of mind for families and senior citizens

Now let’s break down how you can generate ₹15,000 per month with some smart banking choices.

1. Fixed Deposits with Monthly Interest – Safe and Simple

If you have a lump sum of ₹20–25 lakhs, you can invest in monthly payout fixed deposits from banks like:

AU Small Finance Bank – 8.5% (Senior Citizens)
Unity SFB – 9% for 1001 Days
Equitas Bank – 8.25%

Let’s say you invest ₹25,00,000 at 8% annual interest with monthly payout. You’ll earn:

👉 ₹25,00,000 × 8% = ₹2,00,000 yearly
👉 Monthly payout = ₹16,666/month

You can open these accounts 100% online, and even split across banks for safety (DICGC insurance covers ₹5 lakhs per bank).

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2. Post Office Monthly Income Scheme (POMIS) – Government-Backed Income

Perfect for retirees and conservative savers. The POMIS interest rate in 2025 is 7.4% per annum, paid monthly.

Max investment: ₹9 lakhs (joint account)
Monthly income: ₹5,550 (approx.)
5-year lock-in but government-backed

If you open 2–3 joint accounts within your family, you can reach ₹15,000/month easily.

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3. Senior Citizen Savings Scheme (SCSS) – Best for Retirees

This is one of the highest paying secure investment options for senior citizens in India. The current interest rate is 8.2% p.a.

Max investment: ₹30 lakhs (joint + single)
Payout: Quarterly (every 3 months)
Tenure: 5 years (extendable)
Tax benefits under 80C

SCSS can generate over ₹60,000 in annual interest – that’s ₹5,000/month or more.

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4. RBI Floating Rate Savings Bonds (2025 Edition)

Want to beat inflation safely and earn above 8% interest, backed by RBI?

7.7% floating interest (linked to NSC)
7-year lock-in period
Minimum investment: ₹1,000
Paid half-yearly (but total returns better than FDs)

Ideal for people looking for long-term income security, especially for children’s education or retirement planning.

Pro Tip: You can ladder these bonds by investing every 6 months for continuous payouts.

5. Monthly Income from Mutual Fund SWP – Risk Managed

If you’re comfortable with mild market exposure, mutual funds with Systematic Withdrawal Plan (SWP) allow you to withdraw a fixed amount every month from your capital + gains.

Example: Invest ₹20 lakhs in HDFC Balanced Advantage Fund and withdraw ₹15,000/month. Even if market fluctuates, your withdrawal stays fixed.

Better returns than FDs (potentially 9–10%)
Tax-efficient (only capital gains taxed)
Ideal for 3–5 year investment horizon

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6. Bank Annuity Plans – Monthly Pension From Banks

Banks like SBI, HDFC, and ICICI now offer annuity products that pay you monthly, just like a salary.

Invest ₹10–₹25 lakhs once
Get ₹10,000–₹20,000 per month for life
No market risk
Taxable, but stable

Example: SBI Life Smart Annuity Plus, HDFC Life Pension Guaranteed Plan

These are best for retirees or people above 45 looking for fixed income.

How to Reach ₹15,000/Month – Sample Portfolio

Source	Amount Invested	Monthly Return
AU Bank FD (8.5%)	₹10,00,000	₹7,083
Post Office MIS (7.4%)	₹9,00,000	₹5,550
SCSS (8.2%)	₹6,00,000	₹4,100
Total	₹25,00,000	₹16,733

This shows how a safe, diversified plan can easily cross ₹15,000/month.

Tips to Maximize Monthly Bank Income:

✅ Split large investments across multiple banks and schemes for DICGC safety
✅ Use senior citizen benefits if eligible – interest is higher
✅ Track interest payout dates to plan your monthly budget
✅ Don’t keep large sums in low-interest savings accounts
✅ Use auto-credit options to your main account for convenience

Taxation on Monthly Income:

Bank FDs: Taxable if above ₹40,000 (₹50,000 for seniors)
SCSS/POMIS: Fully taxable
Mutual Fund SWPs: Only capital gains taxed
Submit Form 15H / 15G to avoid TDS if income is below threshold

Conclusion:

In 2025, banks are not just for storing money—they can generate consistent income if you invest smartly. Whether you are a young saver, a retiree, or someone planning financial independence, earning ₹15,000/month from banks is very possible—and safe.

The key is choosing the right mix of FDs, POMIS, SCSS, and RBI bonds, based on your goals and risk level. Don’t let your savings sleep—let them work for you and create peace of mind.