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How can Regular Returns Build your Wealth?

How can Regular Returns Build your Wealth?
March 12, 2024


Building wealth systematically is important, whether it's for early retirement or ensuring our loved ones are secure. But the path to financial success may bring twists or unexpected challenges. That's where regular returns come into play. They are one of the key ingredients to keeping your finances steady. In this article, we will break down what regular returns are and exploring some easy ways you can make them work for you.

What are regular returns?

Regular returns are the consistent and dependable income or profits that investors receive from their investments over a specified period. Usually, this income comes in the form of dividends, or capital gains from the investment's appreciation in value.

Types of investments for regular returns

 There are several options when it comes to building wealth with regular returns. Some of the popular options include:

  • Senior citizen saving scheme 

This government-backed scheme is exclusively designed for senior citizens looking for a consistent monthly income. With a set interest rate and a five-year tenure, SCSS offers a reliable source of regular returns.

  • Post office monthly income scheme 

POMIS, offered by India Post, provides individuals with a steady stream of monthly returns. It is a government-backed investment option with a specific interest rate and a five-year deposit period.

  • Long-term government bonds

Government bonds are low-risk investment choices with maturities spanning several years. They provide regular interest payments or coupon payments set by the Indian government, making them an option for consistent returns.

  • Annuity plans

Annuity plans offer a reliable income stream with lower risk, suitable for use as a retirement strategy. These plans are categorised into immediate annuity and deferred annuity, depending on the payment period. Immediate annuities start providing regular income as soon as you make the lump sum payment, while deferred annuities offer income after a specified waiting period, ensuring financial security during retirement.

  • Guaranteed income insurance policies

Guaranteed income insurance policies provide a reliable source of monthly income upon reaching maturity. Specifically, HDFC Life Guaranteed Income Insurance Plan involves paying premiums for a selected number of years. Once the premium payment phase is completed, you receive a guaranteed1 regular income for the remaining duration until the end of the policy term. Choosing between monthly or annual income pay-outs with HDFC Life Guaranteed Income Insurance Plan adds versatility to the plan, allowing you to align it with your unique financial preferences.

Why choose HDFC Life Guaranteed Income Insurance Plan?

HDFC Life Guaranteed Income Insurance Plan is ideal for those seeking guaranteed long-term income throughout the policy term. It also offers life coverage, tax benefits2, and a lump sum payout upon maturity. Offering secured long-term earnings and tax benefits2 according to current tax regulations, it guarantees both financial stability and adaptability. Additionally, the scheme includes a complete assured death benefit, even throughout the income distribution phase.


As you progress on your financial path, it's essential to recognize that regular returns aren't merely an idea, they serve as the consistent force driving the growth and protection of your wealth throughout time. Whether it's early retirement dreams or securing your loved ones financial future, regular returns are the key to realising these goals and fostering a brighter tomorrow.

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ARN: ED/02/24/9538

Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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Reviewed by Life Insurance Experts


We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.

  1. Provided all due premiums have been paid and the policy is in force.

  2. As per Income Tax Act, 1961. Tax Benefits are subject to changes in tax laws.

    HDFC Life Guaranteed Income Insurance Plan (UIN: 101N146V04) A Non-Linked Non-Participating Individual Life Insurance Savings Plan. Life Insurance Coverage is available in this product.