With a significant sum of 2 crores INR, there are several options you could consider to generate a constant return of 12 to 15 lakhs per month. Here are some potential strategies:
1. **Invest in Rental Properties**: Consider investing in rental properties such as residential or commercial real estate. Rental income from properties can provide a steady monthly cash flow. Conduct thorough research on property markets, rental yields, and potential rental income before making investments.
2. **Dividend-Paying Stocks**: Invest in dividend-paying stocks of established companies with a track record of consistent dividend payments. Dividend income from stocks can provide regular cash flow while also offering the potential for capital appreciation over time.
3. **Fixed Deposits (FDs) or Bonds**: Invest a portion of your funds in fixed deposits or bonds with reputable banks or financial institutions. While FDs and bonds typically offer lower returns compared to other investment options, they provide stable and predictable income streams.
4. **Systematic Withdrawal Plan (SWP)**: Invest in mutual funds or other investment vehicles and set up a systematic withdrawal plan (SWP) to receive regular monthly payouts. Opt for mutual funds with a growth-oriented approach and a history of generating consistent returns.
5. **Annuities or Pension Plans**: Consider purchasing annuities or pension plans offered by insurance companies or financial institutions. Annuities provide regular income payments over a specified period or for life, offering financial security and stability.
6. **Real Estate Investment Trusts (REITs)**: Invest in Real Estate Investment Trusts (REITs) that own and manage income-generating properties such as shopping malls, office buildings, or residential complexes. REITs distribute a significant portion of their income to investors in the form of dividends.
7. **Peer-to-Peer Lending (P2P)**: Explore peer-to-peer lending platforms where you can lend money to borrowers in exchange for interest payments. While P2P lending carries higher risk compared to other investment options, it can provide attractive returns if managed prudently.
8. **Combination of Strategies**: Diversify your investments across multiple asset classes and investment strategies to reduce risk and enhance overall returns. Consult with a financial advisor to develop a customized investment plan tailored to your financial goals, risk tolerance, and time horizon.
Before making any investment decisions, thoroughly research each option, consider your risk tolerance, investment objectives, and consult with a financial advisor to ensure that your investment strategy aligns with your financial goals and objectives.
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