Grow Money with Capital safety


KF Rookie
Helo Community,

I Need help understanding following let's assume some one has 50-80 lakhs using which he can pay Home Loan of 50 Lakhs.

Now he decides not paying loan and invest in some safe instrument which generate 8-9 percentage annually and interst paid for that amount is monthly.

Using that interst of safe instrument he can invest in mf small cap for long-term. Similar to what this guy is mentioned in this video

Is there a tax efficient safer instrument option available which will help me get monthly 50-60k and my capital is safe?