How to Get 10k Monthly Pension? Check Ways & Plans in 2025

How To Get a Monthly Pension of Rs. 10,000?

Retirement planning involves ensuring a stable and reliable source of income to maintain your lifestyle. If you're aiming for a monthly pension of Rs. 10,000, it's important to start early and invest in the right mix of financial instruments. From government-backed schemes to market-linked investment options, there are various ways to build a corpus that generates steady income.

Investment Options to Get a Monthly Pension of Rs. 10,000

Below are the best investment plans that you can consider to get a monthly pension of Rs. 10,000:

Pension Plans

Pension plans like annuity or guaranteed income plans are designed to provide regular income after retirement. These plans offer assured returns, helping you build a retirement corpus.

Annuity Plans: Offer fixed payouts either for life or for a specific period.
Immediate Annuity: You invest a lump sum and start receiving income right away.
Guaranteed Pension Plans: Provide assured returns with a lump sum maturity benefit that can be used to generate monthly income.

National Pension System (NPS)

NPS is a government-backed retirement scheme allowing investments in equity, debt, and government securities.

You can choose your fund manager and asset allocation based on your age and risk profile.
Regular contributions help build a corpus that can be partially withdrawn at retirement. The rest is used to purchase an annuity for monthly pension.
With consistent investment, it's possible to receive Rs. 10,000 per month post-retirement.

Mutual Funds

Mutual funds, especially through Systematic Investment Plans (SIPs), can help accumulate a significant corpus over time.

SIPs involve investing a fixed amount regularly, leveraging the power of compounding.
Depending on your risk profile, you can choose from equity, debt, or hybrid funds.
A well-planned SIP strategy can generate enough returns to support a Rs. 10,000 monthly income in retirement.

Post Office Monthly Income Scheme (POMIS)

POMIS is a low-risk, government-backed scheme offering a fixed monthly income.

Tenure: 5 years
Interest Rate: 7.4% p.a. (as of June 2025)
Ideal for conservative investors seeking assured monthly payouts.
Returns are taxable.

Senior Citizen Savings Scheme (SCSS)

SCSS is a reliable option for individuals aged 60+.

Interest Rate: 8.20% p.a. (for April–June 2025)
Tenure: 5 years (extendable by 3 years)
Maximum Investment Limit: Rs. 30 lakhs (as per Union Budget 2024)
Offers quarterly payouts and tax benefits under Section 80C.

Pradhan Mantri Vaya Vandana Yojana (PMVVY)

PMVVY is designed for senior citizens seeking fixed monthly pensions.

Interest Rate: 7-8% p.a.
Provides guaranteed income with minimal risk
Available only to individuals aged 60 years and above

Employee Provident Fund (EPF)

EPF is a compulsory savings scheme for salaried individuals.

Both employer and employee contribute monthly
The accumulated corpus earns guaranteed returns
At retirement, the corpus can be used to generate a pension or annuity
Offers tax benefits and stable post-retirement income

Unified Pension Scheme (UPS)

The Unified Pension Scheme (UPS) benefits central government employees under NPS, effective April 1, 2025.

UPS guarantees a minimum monthly pension of Rs. 10,000 for eligible central government employees who have completed at least 10 years of qualifying service. For those with 25 years or more of service, the pension is 50% of the average basic pay drawn in the last 12 months before retirement. For service between 10 and 25 years, the payout is proportionate
Spouse receive 60% of the last pension drawn upon the pensioner's demise.
Payouts are indexed to inflation.
Available to central government employees under NPS, including new recruits from April 1, 2025.
Combines NPS flexibility with a guaranteed minimum pension.

Final Thoughts

Achieving a Rs 10,000 monthly pension is possible with disciplined savings and the right investment choices. Evaluate your risk appetite, time horizon, and retirement goals before selecting a scheme. A mix of guaranteed return plans and market-linked investments can help you secure a financially stable retirement.

FAQs

How can I get a monthly pension of Rs. 10,000 after retirement?

To receive a monthly pension of Rs. 10,000, you need to invest in a retirement plan that offers annuity options or build a corpus large enough to generate this income. For example, investing around ₹12–15 lakhs in a pension annuity plan or National Pension System (NPS) can help you achieve this amount, depending on the annuity rate.

At what age should I start investing to get a Rs. 10,000 pension per month?

The earlier you start, the lesser your monthly investment. Starting in your 30s allows you to build a larger corpus with smaller SIPs. Starting later may require higher contributions or lump sum investments closer to retirement.

Is it possible to get a monthly pension of Rs 10,000 without making any investments?

No, it is not possible to get a monthly pension of Rs 10,000 without making any investments. You need to invest your money in different investment plans and government-backed schemes to accumulate a corpus that can provide a steady source of income during retirement.

What is the minimum amount required to invest in the National Pension System (NPS)?

The minimum amount required to invest in the National Pension System (NPS) is Rs 500. Besides, you need to make a minimum contribution of Rs 1,000 per year to keep the account active.

What is the maximum investment limit for the Pradhan Mantri Vaya Vandana Yojana (PMVVY)?

The maximum investment limit for the Pradhan Mantri Vaya Vandana Yojana (PMVVY) is Rs 15 lakhs. By investing in the PMVVY, you can secure a monthly pension of Rs 10,000, depending on the amount invested.

Can I contribute more than the mandatory amount in the Employee Provident Fund (EPF)?

Yes, you can contribute more than the mandatory amount in the Employee Provident Fund (EPF). However, the employer is not obligated to match the additional contribution. Also, the interest rate for the additional contribution may be lower than the mandatory contribution.