r/drip_dividend

As DRIP investors, we regularly invest in equities and mutual funds for long-term wealth creation. But why are not bonds discussed or used as aggressively in systematic investing strategies?

Given that bonds can provide:

- Stable income

- Lower volatility

- Portfolio diversification

- Capital preservation during market downturns

Why do most of us ignore them in monthly investment plans?

Is it because:

- Returns are comparatively lower?

- Bond markets are less accessible/understood?

- Taxation/liquidity issues?

- Inflation risk?

Interested to hear about your views

📌A final dividend of ₹8 declared today

📌CMP: ₹307 (closing price as of 21st May,2026)

📌 Current Dividend Yield: 4.67%

📌Record date: 27th May, 2026

📌 Payment date: Between 24th July and 29th July,2026

📌Not a huge increase in dividend compared to last year's equivalent final dividend of ₹7.85, however, this is one of the truly consistent dividend paying companies for decades now.

🚨Disclaimer: For information only 📊! Not a buy/sell recommendation 🚫. Do your own research & due diligence 📈💡. Invest wisely, stay informed, keep dripping lads🤓.

One thing I really like about REIT dividends is that even small quarterly payouts slowly start compounding when consistently reinvested.

Curious to know how everyone is using their payout this time. Are you reinvesting back into REITs, adding to stocks, mutual funds, ETFs… or buying beer instead? 🍺😄

Write it down in the comments 👇

anyone got nexus Select Trust dividend credited into bank account?

https://preview.redd.it/2c797yxxib2h1.png?width=1693&format=png&auto=webp&s=e33086d0065ff23019fb153986bb09b1ed863ad2

Please find the Q4 distributions, NAV, Price to NAV, Trailing Twelve Month DPU, and Distribution Yield % for all REITs/INVITs. For more details, check out the website.

I don't know how much they will pay in dividends. Also, I am confused between the benefits of investing in InvITs versus REITs. I observed that InvITs have a higher dividend yield than REITs, so why should I invest in REITs? I am very confused.

I previously shared a strategy (link below) where I combine core investing with swing trading. In this approach, trading profits are reinvested to increase long-term holdings instead of being withdrawn.

Performance Summary

Metric	Value
Total Profit	₹1,09,484.60
Total Trades	15
Winning Trades	15 / 15
Win Rate	100%
Average Profit per Trade	₹7,299
Average Return %	~1.18%
Accumulated (ICICI AMC)	33 / 100 🎯

Month-wise Performance

Month (2026)	Trades	Total Qty Traded	Total Profit
April	5	1,762	₹27,312
May	10	7,064	₹82,172.60
Total	15	8,826	₹1,09,484.60

Strategy: Core + Swing = More Shares

• Trade → Profit → Reinvest | Log 01

⚠️ Disclaimer

This is a personal tracking of my own trades and strategy implementation. Not financial advice. Investing involves risk — please do your own research.

Hello everyone,

I am building a simple, two-engine strategy for regular, predictable income from equities and InvITs with some share price appreciation.

It works like this – the total corpus is divided into two parts. One part goes into CPSE Dividend Stocks like COALINDIA, ONGC, RECLTD, POWERGRID, etc., while the other goes into InvITs like INDIGRID, INDUSINVIT, CUBEINVIT, etc.

All the companies in the portfolio have a stable history of paying dividends; InvITs on the other hand, are mandated to pay out 90% of their DCF as distributions (DPUs or Distributions Per Unit) back to the unitholders.

This portfolio lacks the growth component, so no multi-bagger stocks (as of yet), but for most people simply looking to earn a little more extra income on the side or simply retire with a corpus large enough to sustain their expenses, it will do just fine.

As of May 19^(th), 2026, here is my portfolio below.

(For some reason Reddit isn't allowing me to post pictures, so here's a table).

Stock/InvIT	Quantity (Shares/Units)	Total Invested Amount
COALINDIA	2,275	INR 10,53,640
ONGC	830	INR 2,42,477
NMDC	400	INR 32,775
RECLTD	700	INR 2,29,810
INDIGRID	12,350	INR 21,40,378
BALMERLAWRIE (new position)	40	INR 7,375
GPPL	355	INR 55,972

In this:

1. CPSE Dividend Stocks: COALINDIA and ONGC are the anchors, RECLTD, NMDC, NPTC (to be added later) provide the core, while BALMERLAWRIE, GPPL (not a CPSE I know, but behaves like one) serve as satellite positions.
2. InvITs: INDIGRID serves as the core; once INDIGRID reaches 30,000 units, surplus shall be invested equally between INDUSINVIT and CUBEINVITs for regular income.

Plan/Milestones

By December 2026, the CPSE Dividend Portfolio should be worth INR 50 lakh in invested value, while the INDIGRID too should have the same invested value worth of units (INR 50 lakh). Total, it will be worth INR 1 Crore.

Frequently Asked Questions (FAQs)

1. Who is this portfolio for? - People with unstable incomes looking to build a stable, predictable portfolio that generates cash for them in all market conditions.
2. What about the growth component? - Not a primary objective of this portfolio; it aims to generate income rather than compounding growth at scale. A separate portfolio will be created for that later.
3. What about private dividend companies? - Will be added later.
4. What about BPCL, IOC, etc.? - They are Oil Marketing Companies (OMCs) and are currently being forced to absorb price shocks, not recommended until Brent prices stabilize.
5. What about REITs? - Structurally less predictable than InvITs. REITs are cyclical and depend on market cycles and may also struggle from occupancy issues. However, they will be added in the future.
6. Why specifically INDIGRID? - One of the most well-established InvITs, continuously increasing DPU payments, adding new assets (transmission and BESS technologies, for example), backed by KKR, one of the biggest global private equity companies.

Recently, INDIGRID announced an INR 4/unit DPU payout (May 19th - today is the record date), so the expected DPU income is INR 49,400/- minus the TDS, so INR 44,460. The goal is to make this not a quarterly, but a monthly figure.

If anyone has any questions or would like to discuss anything about this strategy, please comment and I will revert accordingly.

INSIGHT

https://www.reddit.com/r/drip_dividend/comments/1rrujtg/comment/oa27ygq/?force-legacy-sct=1

2 months ago I started the target for 5000 shares of NHPC and the reason and pro / cons are disscued in above post earlier

For 1 month and stoped adding shares as the scrip is making reverse U shape for some days now

So I sold the earlier 1800+ shares at good value and and waited for some time (1M)

Today I bought 2000 shares at very same initial price point so it's addition and now the target reached at 40% i think I'll get 500 more shares next month

I'll confirm that too, thanks 👍 🙏

I'm going through the concall of indigrid Q4 FY2026

The Average Cost of debt is 7.4% of which 90% is under fixed rate borrowings which is about 185 Billion INR.

Now today Govt 10Y bond yield is at 7.121%

This way indigrid is as safe as India bond 😀. I don't know I'm reading this correctly or not but give your thoughts.

Let's discuss this about other invits and reits also

Let's understand how this will play in upcoming 2-3 years time as RBI repo rate is getting much horizontal now, next rate date is on 6th june 026.

Also is the same presentation on slide no 19 there's a DPU accretive acquisitions the DPU line gets flatish from FY 2027 to FY 2031

I don't know how and why they showed it in that way and looking at the graph phase 1 to phase 4 assets are loosing it's NDCF contribution to Trust level.

Nothing to fear i guess but need to go through valuation reports once again

Challenge: Swing Trading

I use swing trading on my existing SBIN position to gradually increase share count over time, turning volatility into additional holdings while keeping the core position intact.

Focus:

• Preserve core holdings
• Capture market swings to grow quantity
• Recycle profits within the same stock
• Build accumulation through volatility, not fresh capital
• Act only on selective opportunities

Swing Accumulation Log

Stock: SBIN
Total Holdings - 156 Shares
Core Holdings - 155 Shares
Swing Target - 25 Shares
Swing Additions - 1 Share
Swing Progress - 1 / 25 🎯

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Disclaimer: Personal challenge shared for accountability and consistency. Not financial advice. Investing involves risk — please do your own research.

Strategy: Core + Swing = More Shares

Inspired by and credit to A.S.A

Please avoid turning every dividend/DRIP post into repeated tax discussions. Most members here already understand how dividend taxation works.

This community is mainly for dividend investing, DRIP, compounding, passive income, portfolio sharing, and learning from each other. Constant tax-focused negativity or mocking can discourage members from participating.

Healthy and respectful discussions are always welcome, but please keep conversations constructive and aligned with the purpose of the community.

Repeated violations may lead to moderation action.

I want to start this post by saying "Thank you to all of you". Really grateful to be a part of this community 🙌. The ideas and recommendations that I got from here are invaluable and will definitely help me achieve my goal even faster than I planned.

Long-term Goal: Time Freedom - Generate Wealth Good enough to live the life as I want to like travelling the world, learning from different parts of the world about how things are working so well and trying to implement them in my country, helping others by contributing into society or by teaching.

Short-term Goals:

1. Become debt free by getting rid of all the existing loans

2. Create a really good Dividend-Pipeline to have a steady flow of passive income

I'll keep it short, having these 3 loans - Personal loan, Car loan & Home loan and at the same time dividends getting credited in account looks very lucrative (₹3K last year) and I often want to go for building the Dividend-Pipeline whenever there is some money in my hand.

Although, when I had a good conversation with Gemini, it suggested that I should clear the Debt first (except home loan) and then with all the money in hand should start accumulating the dividend paying assets along with part-payment of the home loan because of the interest rates on loans is higher.

My thought process was - if I have a dividend pipeline ready which let's say generating ₹30K/3 months then I can easily pay ₹10K EMI every month. Gemini's approach feels logical but having FOMO that for a few years I won't be able to accumulate anything if I follow it's suggestions.

I need your suggestions, as AI suggested this approach, what do you guys think.

P.S. Loans are not taken by me, my father took them and he pays the EMIs for them as of now. With last year's bonus I cleared my education loan and this year's bonus I cleared one of his personal loans. The remaining 3 are in his name but eventually he will retire and I will need to take care of these and he doesn't have a pension. He made me who I am today, behind my mind I feel that this is something I'm supposed to do and should take the stress away from him.

I'm sorry if this post is not totally related to community but I will surely appreciate your inputs on this situation of mine. Thanks in Advanced 🙌

A Simple Stock Accumulation Strategy That Changed My Approach

Most beginners look at dividends like ₹200 or ₹1,000 credits and think:

This amount is too small… what’s the point of investing for dividends?

That’s where I started too.

But over time I realized — the issue is not dividends, it’s lack of structure, scale, and patience.

I’m sharing this because this approach has worked well for me so far and may help others who feel the same lack of motivation in the beginning.

Core Idea

• Cash generates income
• Income builds focused stock positions
• One stock is accumulated at a time
• Then capital is rotated to the next

Goal: Not to own many stocks, but to build strong positions one by one

Step 1: Build Cash Foundation (My Starting Point)

This is where my journey began.

I built a foundation using:

• REITs
• InvITs
• High dividend stocks

This created 1,000+ units of income-generating assets

This became my long-term cashflow foundation layer

Step 2: Focus on ONE Stock

Now I redirect everything into a single stock:

• SIP savings
• Swing / intraday profits
• Dividends from Step 1
• Dip buying opportunities

Goal: Build meaningful accumulation (500–1,000 units)

Why 1,000 Units?

Not a magic number — just a psychological milestone:

• Low units → dividends feel too small
• Higher units → dividends become visible and motivating

More units = stronger compounding motivation

Step 1 → Step 2 Connection (Key Insight)

Step 1 already built a strong income base
That cashflow is now actively driving stock accumulation

System flow:

• Income assets generate steady cash
• Cash is redirected into focused stock accumulation
• That stock becomes the next income engine

Each layer funds the next, creating a self-reinforcing compounding loop

Step 3: Freeze & Rotate

Once 1,000 units is reached:

• Stop adding that stock
• Lock it as a long-term income engine

Then repeat the same process with a new stock in a different sector

Cascading Conglomerate Effect

This is where compounding starts accelerating.

Each completed stock becomes a cash-flow engine.

Example flow:

• REITs / InvITs → generate steady cash flow
• Cash + dividends → build next stock
• Completed stock → becomes funding engine for next cycle
• Multiple engines → accelerate future accumulation

Over Time This Evolves

Early stage:

• Fully self-funded investing
• High effort per stock

Later stage:

• Existing assets start funding new positions
• Cashflow reduces dependency on salary
• System becomes increasingly self-sustaining

Risk Rule

• No panic selling during temporary losses
• Exit only if fundamentals break

Discipline > emotion

Final Thought

The goal is not to own many stocks.

The goal is - Build income engines first, then rotate and scale one stock at a time

Update

• Step 1 is already built and now generates steady cashflow
• This cashflow is used to fund the next layer of accumulation
• The system is becoming a structured compounding cycle

I’ve been building this system for more than a year and actively sharing my experience over the past ~14 weeks

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Disclaimer
This post is for educational and informational purposes only and is based on my personal experience. It should not be considered financial advice or a recommendation to buy, sell, or hold any securities. Please do your own research before making any investment decisions, as investing involves risk, including possible loss of capital.