If you’re struggling with money, worried about the future, or just looking for a safe monthly income, headlines like this hit you right in the chest. ₹1,00,000 invested and ₹44,000 every month? Anyone would stop scrolling and read twice. I get it. When life feels tight, hope shows up wherever it can.
But here’s the thing—and I’m saying this like I would to a close friend—there is no SBI or government-guaranteed scheme that legally pays ₹44,000 per month on a ₹1,00,000 investment. Not today. Not in 2025. Not under any RBI-approved rule.
Why the “₹44,000 Per Month” Claim Doesn’t Add Up
Any investment promising ₹44,000 per month on ₹1,00,000 means a return of more than 500% per year. Even stock markets don’t guarantee that. Government-backed banks like SBI are bound by RBI regulations. Their interest rates are public, audited, and predictable.
So when an article uses words like “SBI government guarantee” with numbers that defy basic math, it’s not opportunity—it’s misinformation.
This matters because people who trust such claims often end up:
- Falling for fake agents
- Transferring money outside official banking channels
- Losing savings meant for family security
What SBI Actually Offers for Safe, Government-Backed Income
SBI does provide secure, low-risk investment options, especially for people who want peace of mind over high risk. These won’t make you rich overnight, but they won’t disappear either.
SBI Fixed Deposit Schemes
This is the most straightforward option. You invest a lump sum and earn interest at rates decided by SBI and approved by RBI. Senior citizens get slightly higher rates. You can choose monthly, quarterly, or yearly payouts, depending on your needs.
SBI Annuity and Pension-Linked Products
For people planning retirement or steady post-retirement income, SBI-linked annuity products offer predictable monthly income. The returns depend on how much you invest, your age, and the tenure. They are safe, regulated, and transparent.
SBI Monthly Income Plan (via Mutual Funds)
These are not guaranteed like FDs but are designed for relatively stable monthly payouts. The risk is moderate, and returns are nowhere near the viral figures being claimed—but they are real.
What all these options have in common is honesty. The numbers won’t shock you, but they won’t betray you either.
How to Identify a Fake SBI Investment Claim Instantly
- “Guaranteed huge monthly income”
- “Only ₹1,00,000 investment, life-set return”
- “Secret SBI scheme” or “hidden government plan”
What You Should Do If You’re Looking for Monthly Income
Ask yourself one honest question: Do I want fast money or lasting security?
- If security matters, then:
- Visit an actual SBI branch
- Talk to an official banking officer, not a third-party agent
- Ask for written brochures or official links
- Compare realistic monthly income figures