5 Passive Income Ideas That Can Earn You Lakhs

‘Naina, main sona bhi chahta hoon, kamaana bhi chahta hoon.’ 

If this were Bunny, I would highly recommend him to read this blog.

Because Bunny was in trouble.

After quitting his ₹90,000/month job to travel for 6 months, he returned with only ₹50,000 left in his account. ‘Ab to income bhi 0 ho gyi!’ He needed money without giving up his freedom. So, I recommended to him some passive income ideas. He explored a few for 12 months, and here’s what he built from scratch:
 

That's almost ₹1.75 lakhs/year, without stopping travels and treks and listening to the boss’s orders. So, let’s discuss more passive income ideas that can help bunny in you. 

1. Let Your Flat Do the 9-to-5

Your house can be more productive than you. Instead of watching Netflix on your sofa, invest in a property (or REITs) and collect rent every month. In cities like Bengaluru, Mumbai, and Ahmedabad, residential rental yields range between 4-4.5%. Also, commercial properties can offer 6-9% annually. ’Abhi bhi baithe ho?’

For example, Ravi, a 35-year-old IT professional in Hyderabad, bought a 2BHK flat in 2022 for ₹60 lakh. He rented it out for ₹22,000/month. After taxes and maintenance, he still earns about ₹18,000 every month. It is enough to cover his EMIs and build assets.
 

2. Dividend hai toh weekend hai

You find happiness in others’ growth. What about getting a share of that growth? ‘Khushi aur paisa dono ayenge!’ If you invest in dividend-paying companies or mutual funds, you can get monthly payouts. You can reinvest this income and plan for a long-term goal. 

For example, Neha invested ₹10 lakh in high-dividend mutual funds and stocks like ITC and Coal India. She receives an average dividend payout of ₹6,000/month, without selling a single share. This is her finance in a tabular format
 

3. FD. Naam Hi Kaafi Hai! 

Call your dad or your grandma and ask, ‘FD tod lu?’ His dad replied, ‘Meri leather wali belt nikal kar rakh!’ Jokes apart, your father loves FD because that’s the one thing which kept his capital safe and also gave good returns (6.5%-7.5%). You can set a 6-month to 3-year tenure and get your income, or you can reinvest it.

For example, Arjun deposited ₹5 lakh in an FD with a digital bank offering 7.5% annual interest. He earns around ₹3,125/month. He reinvests this income in high-end stocks and gets even better interest. The table below shows his investment journey.
 

4. If I Were A Bank, I Would Be The Bank

Through P2P lending (e.g., Lendbox, LenDenClub) or high-yield bonds, you can earn 10-15% annual returns. They are one of the best traditional income options. It’s risky, yes, but also seriously rewarding if done right.

For example, Shreya is a 42-year-old entrepreneur. She invested ₹3 lakh on a P2P lending platform offering 12% annual returns. She diversifies across 30 borrowers and earns ₹3,000/month in interest, which gets transferred directly to her account.
 

5. In-flu-en-ceuh

If you can’t be a cringe creator like in 2020, then create an online course, e-book, stock photos, or YouTube channel. While it requires upfront effort (₹10k -₹20k investment), but never underestimate what a content creator can do. You get ₹10k -₹2.5 lakh/month in passive income and also a wide audience.

For example, Tanya created an online course on Canva for beginners. She uploaded it to a platform like Udemy. After 3 months of promotion, she started earning ₹25,000/month. Here is further information:
 

Conclusion

‘Naina, Bunny aur Kabira, teeno maan gaye’ Bunny gets to travel without answering any boss calls. Naina also started her YouTube channel. So, passive income isn’t just a buzzword; you can actually earn without going to the office. From rent to dividends, FDs to digital products, many options can build income, support freedom, and  not just expenses.

Frequently Asked Questions

• How much rent can I earn from a ₹50 lakh property?
  You can earn ₹16,000 -₹20,000 monthly from residential property, depending on the city, locality, and whether it's commercial or residential.

   

• Are dividends guaranteed every month?
  No. Dividends aren’t fixed and depend on company profits. You can combine multiple sources for more regular passive income.

   

• Is it safe to invest in small finance banks offering 7 -8%?
  Yes, up to ₹5 lakh is insured. Stick with RBI-regulated banks and spread funds across different accounts.

   

• What if the borrower doesn’t repay my P2P loan?
  There’s a risk of loss. You can diversify into many borrowers and start with small amounts for safer returns.

   

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LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?