Passive income ka matlab hota hai – aap bina active kaam kiye bhi regular income kama rahe ho. Aaj ke time mein, mutual fund ek aisa tool ban gaya hai jisse aap stable aur tax-efficient passive income generate kar sakte hain. Is article mein hum baat karenge 5 aise mutual fund ke tareeqon ke baare mein, jinke through aap har mahine ya quarter paisa kama sakte hain — woh bhi bina tension ke.
✅ 1. Systematic Withdrawal Plan (SWP) – Monthly Paisa Milega
Systematic Withdrawal Plan (SWP) ek aisi facility hai jisme aap apne mutual fund investment se har mahine fixed paisa withdraw kar sakte ho. Ye option un logon ke liye best hai jo ek baar lump sum invest karke regular monthly income chahte hain.📌 Example:Agar aap ₹10 lakh invest karte hain, to aap ₹6,000 – ₹8,000 tak monthly SWP se nikal sakte hain (fund performance ke hisab se).
✅ 2. Dividend Payout (IDCW) Mutual Funds
Pehle mutual funds directly dividend dete the, lekin ab isse IDCW (Income Distribution cum Capital Withdrawal) kaha jata hai. Ye funds time-to-time dividend declare karte hain — jo aapke bank account me aa jata hai.
🟡 Dhyaan rahe: Dividend ka amount fix nahi hota, aur market return pe depend karta hai.
✅ 3. Debt Mutual Funds – Stable Returns with Less Risk
Agar aap safe aur stable passive income chahte ho, to debt mutual funds ek achha option hai. Ye mostly government securities, corporate bonds, aur debentures me paisa lagate hain — isliye returns thode moderate hote hain par kaafi predictable hote hain.
📌 Combine debt fund with SWP for monthly income.
✅ 4. REITs & INVITs Mutual Funds – Rental Income Jaisa Feel
Real Estate Investment Trusts (REITs) aur Infrastructure Investment Trusts (INVITs) mutual funds ke through available hain. Inme paisa lagane par aapko rental income ya infra projects se milne wali income ka hissa milta hai.
💡 Ye quarterly ya semi-annual payout karte hain.
Funds investing in REITs:
- Kotak International REIT Fund of Fund
- Mahindra Manulife Asia Pacific REITs FoF
✅ 5. Hybrid & Balanced Advantage Funds – Growth + Income
Hybrid funds equity aur debt dono me invest karte hain, isliye ye aapko growth bhi dete hain aur income bhi (via SWP or IDCW). Balanced Advantage Funds market ke risk ko samajh kar allocation badalte hain — safe for conservative investors.
🎯 Final ThoughtsPassive income mutual funds se banana possible hai — bas sahi fund aur sahi strategy chahiye. Agar aap retirement plan kar rahe hain, ya extra income source banana chahte hain, to aaj se planning start kijiye.
📢 Disclaimer:
Mutual fund investments are subject to market risks. Please consult a SEBI-registered advisor before investing.
