How To Get 2 Lakh Pension Per Month?

As you approach retirement, ensuring a financially secure future becomes a top priority. Securing Rs 2 lakh per month pension can boost your confidence to live a fulfilled life after retirement. This article will discuss investment strategies, government schemes, and financial planning techniques that can help you achieve this objective.

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How To Earn 2 Lakh Monthly Pension? 

There is no shortcut to achieving this feat. If you keep investing for a long period, you can retire with Rs 2 lakh monthly pension. 

Here are some tips for you:

  1. Start Early

    It is never too early to start planning for retirement. The earlier you start, the more time you have to accumulate the desired corpus. Starting early gives you the benefit of compounding and also reduces the burden of saving a large amount in a shorter period.

  2. Invest in Retirement Schemes

    There are various government-run retirement schemes, such as the Employees' Provident Fund (EPF), National Pension System (NPS), and Public Provident Fund (PPF), which offer decent returns and tax benefits. You can opt for these schemes and start investing in them as early as possible to accumulate a substantial amount.

  3. Utilize Tax Benefits

    The government offers tax benefits for investments made toward retirement. Make use of these benefits to reduce your tax burden and maximize your savings.

  4. Opt for Pension Annuity Plans

    Pension annuity plans offer a fixed monthly pension after retirement. These annuity plans can be a good option for those who want a guaranteed income after retirement.

  5. Plan Your Expenses

    It is important to plan your expenses carefully and maintain a balanced lifestyle. Avoid unnecessary expenses and prioritize your savings to achieve your goal of a 20k pension monthly.

Investment Options to Get 2 Lakhs Pension per Month

Here are some investment options to consider for securing a high pension amount:

Investment Option Description Potential Monthly Pension 
National Pension Scheme (NPS) Government-sponsored pension scheme that offers two options: Tier-I and Tier-II accounts. By making substantial contributions to your NPS account, you may be able to generate a monthly pension of 2 lakhs.
Fixed Deposits (FDs) Fixed deposits offered by banks and financial institutions where you can invest a lump sum amount for a fixed tenure at a fixed interest rate. By choosing a high-yield FD with longer tenure and reinvesting the interest.
Mutual Funds Professionally managed investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities. By investing in a well-diversified portfolio of mutual funds and opting for systematic withdrawal plans (SWP), you may be able to generate a monthly income.
Real Estate Long-term investment option that can generate regular rental income. By investing in properties that provide high rental yields and have the potential for appreciation over time.
Annuity Plans Insurance-based pension plans that provide regular income after retirement. By investing a significant amount in an annuity plan.
SIP  An investment method where you invest a fixed amount at regular intervals in mutual funds, typically monthly. By investing in SIPs of mutual funds with a target to accumulate a substantial corpus over time, you can generate a monthly pension.
ULIPs  Insurance-cum-investment plans that offer market-linked returns and life insurance coverage. By investing in ULIPs with a suitable investment strategy and tenure, you may be able to accumulate enough wealth. 
Pension Plans with Guaranteed Returns Insurance or investment plans that offer guaranteed returns on your investment with a pension benefit. By investing in pension plans with guaranteed returns, you may be able to secure a fixed monthly pension.

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Best Pension Plans in India 2023

Here are some of the best pension plans in India available in the market:

  • Aditya Birla Sun Life Empower Pension Plan

  • Bajaj Allianz Life LongLife Goal

  • Bajaj Allianz Pension Guaranteed Pension Plan

  • HDFC Life Click 2 Retire

  • ICICI Pru Easy Retirement Plan

  • IndiaFirst Life Guaranteed Annuity Plan

  • Kotak Premier Pension Plan

  • LIC Jeevan Akshay 7 Pension Plan

  • LIC New Jeevan Shanti Pension Plan

  • Max Life Forever Young Pension Plan

  • Max Life Guaranteed Lifetime Income Pension Plan

  • Reliance Immediate Annuity Pension Plan

  • Reliance Smart Pension Plan

  • SBI Life Saral Retirement Saver

  • Tata AIA Life Guaranteed Monthly Income Plan

Wrapping It Up! 

Achieving a monthly pension of 2 lakhs requires careful planning, disciplined saving, and smart investment choices. It is essential to start early and consistently contribute to a well-diversified investment portfolio that aligns with your risk tolerance and financial goals.


  • Is it possible to receive a pension of 2 lakhs per month?

    Yes, it is possible to receive a pension of 2 lakhs per month, depending on various factors such as the employer, years of service, and retirement benefits. However, it would require a significant contribution to a pension plan or retirement scheme.
  • Can I combine multiple investment options to achieve a monthly pension of 2 lakhs?

    Yes, combining multiple investment options can potentially help you achieve a monthly pension of 2 lakhs.
  • How can I calculate or estimate the amount of investment or savings required to generate a pension of 2 lakhs per month?

    Using a pension calculator can help estimate the amount of investment or savings required to generate a pension of 2 lakhs per month.
  • What are some potential sources of income that can contribute to a pension of 2 lakhs per month?

    Some potential sources of income that can contribute to a pension of 2 lakhs per month may include retirement savings from a pension plan, investments in real estate, stocks, bonds, mutual funds, or other high-yield investments, or a combination of multiple income sources.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:-
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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