At www.bharatsip.com you can invest in Systematic Withdrawl Plan (SWP) for getting monthly payout into bank account...get more than bank Fixed Deposit Returns and also stand a change to increase your Principal Amount... How it works: Assuming you get a return of 12% PA for the investment... Pay out is set @8% per annum paid monthly, balance 4% gets added to the Principal amount at the end of the Year...