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What is PratInvest’s Monthly Income Schemes?

The Monthly Income Scheme is a type of investment where you deposit a lump sum amount for a specific period and receive regular interest payouts at predetermined intervals, such as monthly, quarterly, half-yearly, or yearly.

 

Unlike compound interest deposits, where the interest is added to the principal and paid at maturity, the interest in the Monthly Income Scheme is paid out separately, offering you a steady income stream throughout the investment period without reinvesting the interest. This plan is ideal for those who seek regular income from their investment while preserving the principal amount.

Interest Chart

Monthly Income Scheme

Term Interest - Per Annum
Monthly Quarterly Half Yearly Yearly
1 Year 9% 10% 11% 12%
2 Year 10% 11% 12% 13%
3 Year 11% 12% 13% 14%
5 Year 12% 13% 14% 15%

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Key Benefits

    • Regular Income Payouts

 

    • Flexible Payment Options

 

    • Capital Safety

 

    • Stable Returns

 

    • No Reinvestment

 

    • Ideal for Income Seekers

 

    • Low-Risk Investment

 

    • Tax Advantages

 

    • Easy Liquidity

 

    • Stress-Free Investment

 

Why Choose Monthly Income Scheme?

    • Regular Income Stream:

      Receive interest payouts at intervals (monthly, quarterly, half-yearly, or yearly) for consistent income.

    • Flexible Payment Options:

      Choose the payout frequency that aligns with your financial needs and goals.

    • Capital Protection:

      Your initial deposit is safe and protected, while you enjoy regular interest returns.

    • Stable Returns:

      Fixed interest rates ensure predictable and steady returns without market volatility.

    • No Reinvestment Needed:

      Enjoy payouts without the need to reinvest interest, making it a hassle-free investment.

    • Ideal for Retirees:

      Perfect for individuals seeking a regular source of income, such as retirees.

    • Tax Benefits:

      Depending on the tenure, you may be eligible for tax benefits as per the Income Tax Act.

    • Low-Risk Investment:

      A safe and low-risk option, offering guaranteed returns, making it suitable for conservative investors.