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How to earn passive income from Stocks — dividends, covered calls, MTF income — Hindi guide.
Published by The Retail Trader · AUG 13, 2026 · Features
How to earn passive income from Stocks — dividends, covered calls, MTF income — Hindi guide.
Buying high dividend yield stocks → Gets quarterly/annual dividend.
Example Portfolio (₹10 lakh):
• Coal India — Allocation: ₹2L, Yield: 6%, Annual Dividend: ₹12,000
• ONGC — Allocation: ₹1.5L, Yield: 5%, Annual Dividend: ₹7,500
• ITC — Allocation: ₹2L, Yield: 4%, Annual Dividend: ₹8,000
• Power Grid — Allocation: ₹1.5L, Yield: 4.5%, Annual Dividend: ₹6,750
• Others — Allocation: ₹3L, Yield: 4%, Annual Dividend: ₹12,000
• Total — Allocation: ₹10L, Yield: ~4.6%, Annual Dividend: ₹46,250/year
Hold Stocks + Sell OTM Call → Premium income monthly.
Example:
• 250 Reliance shares (₹6.25L)
• Sell 1 OTM call monthly: ₹5,000-10,000 premium
• Annual income: ₹60,000-1,20,000
Monthly withdrawal from mutual fund.
Example:
• ₹25 lakh in equity MF
• SWP: ₹15,000/month
• Remaining corpus grows
Rental income of commercial real estate.
Keep these three points in mind:
• Embassy REIT — 6-7%
• Mindspace REIT — 6-7%
• Brookfield REIT — 6-7%
Keep these five points in mind:
• Dividends — Investment: ₹10L, Monthly Income: ₹3,800
• Covered Calls — Investment: ₹6L, Monthly Income: ₹5,000
• SWP — Investment: ₹25L, Monthly Income: ₹15,000
• REITs — Investment: ₹5L, Monthly Income: ₹3,000
• Total — Investment: ₹46L, Monthly Income: ₹26,800
Keep these points in mind:
• 📌 PASSIVE INCOME FROM STOCKS
• METHODS:
• 📊 Dividends — High yield stocks
• 📊 Covered Calls — Premium income
• 📊 SWP — MF systematic withdrawal
• 📊 REITs — Real estate rental income
• DIVIDEND PORTFOLIO (₹10L):
• 📊 Coal India, ONGC, ITC, Power Grid
• 📊 ~4.6% yield = ₹46K/year
• COVERED CALLS:
• 📊 Put Stock + Sell OTM call
• 📊 Monthly ₹5-10K premium
• SWP:
• 📊 ₹25L corpus → ₹15K/month
• REITs:
• 📊 Embassy, Mindspace, Brookfield
• 📊 6-7% yield
• TOTAL (₹46L invested):
• 📊 ₹26,800/month passive income
The Retail Trader — educational market analysis. Not investment advice.
This article is for educational purposes only. It is not a buy or sell recommendation, a claim of guaranteed returns, or advisory guidance. Exchanges, SEBI and RBI change rules, rates and procedures from time to time, so verify every figure with your broker or an official source.