๐ค Dividend Kya Hota Hai? (Passive Income ka Aasaan Source)
Introduction
Aaj ke time me har koi redundant income ke options dhund raha hai – aur agar aap stock market me interested hain, to dividend ek aisa passive income source hai jisse aap regular earnings kar sakte hain bina kuch actively kiye.
Lekin dividend hota kya hai? Kaise kaam karta hai? Kaun si companies dividend deti hain? Aur kaise aap isse ek regular income source bana sakte hain? Chaliye samjhte hain simple words me.
๐ฏ Dividend Kya Hai?
Dividend ek profit ka hissa hota hai jo company apne shareholders ko distribute karti hai. Jab koi company achha profit kama leti hai, to wo decide karti hai ki us profit ka kuch part shareholders ko diya jaye. Isi amount ko dividend kaha jata hai.
๐ Example:
Agar aapne ek company ke 100 shares kharide hain aur wo company ₹10 per share ka dividend declare karti hai, to aapko total ₹1,000 milenge (100 x ₹10).
๐ผ Dividend Kaise Milta Hai?
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Dividend Declaration: Board of Directors decide karte hain ki company dividend degi ya nahi.
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Record Date: Jis date tak aapke paas shares hone chahiye.
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Ex-Dividend Date: Uske baad kharide gaye shares dividend ke liye eligible nahi hote.
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Payment Date: Jis din aapke account me dividend credit hota hai.
๐งพ Types of Dividends
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Cash Dividend – Sabse common form. Directly bank account me aata hai.
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Stock Dividend – Extra shares ke form me diya jata hai.
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Special Dividend – Ek-time ka bonus dividend hota hai.
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Interim vs Final Dividend – Mid-year ya year-end pe diya jata hai.
✅ Dividend Stocks kaise Choose karein?
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Consistent Track Record: Jo companies har saal dividend deti hain.
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High Dividend Yield: Dividend ka % jyada ho (2%-6% tak sahi mana jata hai).
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Financially Strong Companies: Large-cap ya blue-chip companies zyada reliable hoti hain.
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Dividend Payout Ratio: 30-60% ke beech sahi mana jata hai (bacha hua profit company me re-invest hota hai).
๐ Dividend ka Benefit kya hai?
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๐ข Passive Income Source
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๐ข Long Term Wealth Creation
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๐ข Market Volatility ke Time me Stability
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๐ข Reinvestment ke through Compounding
❌ Risks bhi hain?
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๐ป Dividend Fixed Nahi Hota – Company jab chahe band kar sakti hai.
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๐ป Kabhi-Kabhi Capital Growth kam hoti hai high dividend stocks me.
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๐ป Dividend par bhi Tax lagta hai (As per income slab).
๐ Conclusion
Dividend ek simple aur effective passive income source hai – especially un logon ke liye jo stock market me long-term invest karte hain. Agar aap smartly dividend stocks choose karte hain, to ye aapke liye ek monthly ya yearly extra earning ban sakta hai.
