Monthly Income Plans (MIPs)
A Monthly Income Plan (MIP) is a smart investment option designed for risk-averse and conservative investors who want steady monthly earnings without taking high market risks.
MIPs fall under Hybrid Mutual Funds, where most of the money is invested in debt and money market instruments, ensuring stability, while a small portion may go into equity for improved returns.
MIPs are ideal for generating a supplementary income, especially for retirees, salaried individuals, and anyone seeking predictable financial support.
Types of Monthly Income Plans
✔ Dividend-Oriented MIP
Provides regular income through dividends
Dividends are generally tax-efficient
Suitable for individuals needing periodic payouts
✔ Growth-Oriented MIP
No monthly payout; returns are reinvested
Helps build a larger long-term corpus
Ideal for investors focused on wealth creation
Who Should Invest in Monthly Income Plans?
✔ 1. Conservative investors seeking better returns
MIPs often deliver 10–12% average returns, higher than traditional FDs or postal MIS (6–8%).
✔ 2. Individuals aiming to secure their financial future
MIPs help build a disciplined investment habit and offer stability for future needs.
✔ 3. Retirees or anyone wanting an alternate income source
MIPs provide regular payouts, making them perfect for retirees or those looking for passive monthly income.
Features & Benefits of Monthly Income Plans (MIPs)
✔ Open-Ended Scheme
Enter or exit anytime—no lock-in, complete flexibility.
✔ Better Returns Than Traditional Deposits
MIPs generally outperform FDs and Post Office MIS for moderate-risk investors.
✔ High Liquidity
Withdraw funds anytime as there is no lock-in period.
✔ Professionally Managed
Your investments are managed by expert fund managers for optimal returns.
✔ Low Risk Exposure
Most of the investment is in safe debt instruments, ideal for low-risk investors.
✔ Minimal Exit Load
Exit load generally does not exceed 1%, making withdrawals cost-effective.
✔ No Upper Investment Limit
Invest any amount based on your goals—no restriction.
📌 Things to Consider Before Choosing a MIP
Your financial goals (short-term or long-term)
Investment time horizon
Risk appetite
Expected wealth creation
Tax implications on dividends or withdrawals
Why Choose Bharat Finserv for Monthly Income Plans?
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