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+91 9910423232
  +91 9910423232

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INVESTGURU RECOMMENDATION
Best Investment Options for Retirement Income with Lump sum Investment
Retirement Income planning is quite complex as income planning is to be done with uncertainty about life expectancy of the retiree and his/her spouse. However, we have tried to list below few investment options which can consistently generate regular income with low/negligible volatility.

You may also talk to us for a personalised investment solution. Feel free to call us on +919910423232 and we shall be happy to assist you.
Mutual Fund Options
      Product Name CATEGORY 1 Yr (%) 3 Yr (%) 5 Yr (%) YEARLY INCOME ON RS 10 LAKHS INVESTMENT CALC
ADITYA BIRLA SUN LIFE MEDIUM TERM PLAN - REGULAR - GROWTH Debt 8.07 9.94 10.18 101800 /-
Calculate..
ADITYA BIRLA SUN LIFE SHORT TERM FUND - REGULAR - GROWTH Debt 7.55 9.21 9.20 92000 /-
Calculate..
UTI SHORT TERM INCOME FUND - RETAIL - GROWTH Debt 7.18 8.62 8.92 89200 /-
Calculate..
BNP PARIBAS SHORT TERM INCOME FUND - REGULAR - GROWTH Debt 6.80 8.61 8.48 84800 /-
Calculate..
* Compounded Annualized Returns More Funds ››


Fixed Income Options
      Product Name Category DURATION Interest Rate INTEREST INCOME ON RS 10 LAKHS INVESTMENT FORM CALC
MUTHOOT FINANCE (NCD) NCDS 3 years YEARLY 8.75 8.75 % 0 /- (YEARLY)
Download Application Form
Calculate..
NCDS 3_Muthoot Banking Matrix_NCD IX.XLSX
Issuer N.A.
Institution N.A.
Face Value 1000
Min Application Amount 10000
Max Application Amount N.A.
Frequency of Interest Payment YEARLY
Credit Rating ICRA AA(Stable), CRISIL AA/Stable
Tax Treatment of Income N.A.
Tax Benefit on Investment N.A.
Withdrawal N.A.
Cheque in Favour of
Effective Annual Interest Rate
Redemption Date N.A.
Redemption Amount N.A.
Pros N.A.
Cons N.A.
Brochure Download Form Location Contact Us
Scheme Details Download Form Locations Contact Us
 
Senior Citizen Savings Scheme SMALL SAVINGS 5 years QUATERLY 8.40 8.40 % 21000 /- (QUATERLY)
Download Application Form
Calculate..
SMALL SAVINGS
Issuer Department of Posts
Institution GOVT / GOVT BACKED
Face Value N.A.
Min Application Amount 1,000/-
Max Application Amount 15,00,000/-
Frequency of Interest Payment QUATERLY
Credit Rating N.A.
Tax Treatment of Income Taxable returns, no tax deduction at source
Tax Benefit on Investment Amount invested upto one lac qualifies for tax benefit under section 80C of Income Tax Act
Withdrawal No withdrawal permitted before the expiry of a period of five years from the date of opening of the account.
Cheque in Favour of N.A.
Effective Annual Interest Rate 8.67 %
Redemption Date N.A.
Redemption Amount N.A.
Pros Guaranteed income for senior citizens/retired people
Cons Taxable returns, Partial withdrawal not allowed
Brochure Download Form Location Contact Us
Scheme Details Download Form Locations Contact Us
 
Dewan Housing Finance Ashray Deposit FIXED DEPOSITS 3 years YEARLY 7.85 7.85 % 78500 /- (YEARLY)
Download Application Form
Calculate..
FIXED DEPOSITS
Issuer Dewan Housing Finance Corp Limited
Institution FINANCE COMPANY
Face Value N.A.
Min Application Amount 2000
Max Application Amount N.A.
Frequency of Interest Payment YEARLY
Credit Rating FAAA by Care, FAAA by brickwork
Tax Treatment of Income Taxable Returns
Tax Benefit on Investment Not Applicable
Withdrawal Not Available
Cheque in Favour of Dewan Housing Finance Corporation Ltd
Effective Annual Interest Rate 7.85 %
Redemption Date N.A.
Redemption Amount N.A.
Pros Guaranteed Returns, High Degree of Safety, 0.25% extra return for senior citizens, DHFL shareholders and home loan borrowers, widows
Cons Taxable Returns, Suited for Investors in lower tax bracket
Brochure Download Form Location Contact Us
Scheme Details Download Form Locations Contact Us
 
BAJAJ FINANCE LTD. FIXED DEPOSIT FIXED DEPOSITS 3 years YEARLY 7.85 7.85 % 78500 /- (YEARLY)
Download Application Form
Calculate..
FIXED DEPOSITS
Issuer BAJAJ FINANCE LTD.
Institution FINANCE COMPANY
Face Value N.A.
Min Application Amount 50000
Max Application Amount N.A.
Frequency of Interest Payment YEARLY
Credit Rating FAAA BY CRISIL, MAAA BY ICRA
Tax Treatment of Income TAXABLE
Tax Benefit on Investment NOT APPLICABLE
Withdrawal NOT ALLOWED
Cheque in Favour of
Effective Annual Interest Rate 7.85 %
Redemption Date N.A.
Redemption Amount N.A.
Pros GUARANTEED RETURNS
Cons INTEREST INCOME IS TAXABLE
Brochure Download Form Location Contact Us
Scheme Details Download Form Locations Contact Us
 
Dewan Housing Finance Ashray Deposit FIXED DEPOSITS 2 years YEARLY 7.80 7.80 % 78000 /- (YEARLY)
Download Application Form
Calculate..
FIXED DEPOSITS
Issuer Dewan Housing Finance Corp Limited
Institution FINANCE COMPANY
Face Value N.A.
Min Application Amount 2000
Max Application Amount N.A.
Frequency of Interest Payment YEARLY
Credit Rating FAAA by Care, FAAA by brickwork
Tax Treatment of Income Taxable returns
Tax Benefit on Investment Not Applicable
Withdrawal Not Available
Cheque in Favour of Dewan Housing Finance Corporation Ltd
Effective Annual Interest Rate 7.80 %
Redemption Date N.A.
Redemption Amount N.A.
Pros Guaranteed Returns, High Degree of Safety, 0.25% extra return for senior citizens, DHFL shareholders and home loan borrowers, widows
Cons Taxable Returns, Suited for Investors in lower tax bracket
Brochure Download Form Location Contact Us
Scheme Details Download Form Locations Contact Us
 
More Schemes ››
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Risk Factor : All investments in mutual funds are subject to market risks and the NAV of the schemes may go up or down depending upon the factors and forces affecting the securities market and there can be no assurance that the fund's objectives will be achieved. Past performance of the Fund does not indicate the future performance of the Schemes of the Fund.
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