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Dividend option ka asli mechanism — wo extra paisa nahi hai
Published by The Retail Trader · JUL 29, 2026 · Mutual Funds & AMC
Fund chunte waqt ek option growth ka hota hai aur ek IDCW ka, jo pehle dividend option kehlaata tha. Bahut log IDCW ko extra income samajhte hain. Wo extra kuch nahi hai.
Payout aapke apne investment ki value mein se hi nikalta hai. Jitna payout hota hai, NAV utni hi gir jaati hai. Aapke haath mein cash aata hai aur portfolio ki value utni hi kam ho jaati hai.
Growth option mein wo raqam fund ke andar hi rehti hai aur usi par aage return banta hai.
Faisla income ki zaroorat aur tax par tikta hai, return par nahi:
• Growth mein compounding poori raqam par chalti rehti hai.
• IDCW payout aapke haath mein aakar taxable hota hai aur uska timing aapke control mein nahi hota.
• Regular income chahiye to SWP zyada control deta hai — aap raqam aur tareekh dono chunte ho.
• IDCW ka aana kabhi guarantee nahi hota, wo fund ke distributable surplus par depend karta hai.
Agar us paise ki abhi zaroorat nahi hai to use bahar nikalne ka koi faayda nahi. Portfolio se nikla hua har rupya wo hai jiska compounding aapne kisi aur ko de diya.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.