I earn dividends > 10 lpa and other passive income (PPF, interest income).
My starting salary was 60k monthly a decade before.
Its funny and amazing at the same time you hire yourself who keeps working for you forever.
My life looked like I'm struggling then and even now to some extent to avoid envy.
But then I choose to look poor.
Its all about the mindset.
Investing in stocks through SIPs (Systematic Investment Plans) is a proven strategy for building wealth over the long term. For Indian retail investors looking to maximize returns in 2026, this curated list identifies businesses that combine growth, quality, and financial stability. These stocks have been screened for revenue growth, return on capital, low debt, and overall financial health — making them ideal candidates for SIP investing.
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| # | Stock | Market Cap (₹ Cr) | Key Metric (ROCE) | P/E (x) | Piotroski | Sector |
|---|---|---|---|---|---|---|
| 1 | Hindustan Zinc (HINDZINC) | ₹2,59,159.94 | 58.77% | 16.02 | 6/9 | Basic Materials |
| 2 | Nestlé India (NESTLEIND) | ₹2,48,405.45 | 54.7% | 64.73 | 6/9 | Consumer Defensive |
| 3 | Eicher Motors (EICHERMOT) | ₹2,21,728.01 | 18.22% | 32.75 | 6/9 | Consumer Cyclical |
| 4 | Mazagon Dock (MAZDOCK) | ₹89,618.93 | 18.69% | 32.25 | 6/9 | Industrials |
| 5 | Persistent Systems (PERSISTENT) | ₹75,329.28 | 28.31% | 42.35 | 6/9 | Technology |
| 6 | NMDC Limited (NMDC) | ₹72,128.07 | 24.25% | 9.00 | 6/9 | Basic Materials |
| 7 | Dixon Technologies (DIXON) | ₹62,985.73 | 22.8% | 35.62 | 6/9 | Technology |
| 8 | APL Apollo Tubes (APLAPOLLO) | ₹61,818.44 | 26.34% | 44.69 | 8/9 | Basic Materials |
| 9 | Oracle Financial Services (OFSS) | ₹60,401.62 | 40.06% | 22.18 | 6/9 | Technology |
| 10 | Glenmark Pharma (GLENMARK) | ₹60,371.22 | 29.55% | 44.17 | 7/9 | Healthcare |
Hindustan Zinc is a leading producer of zinc, lead, and silver in India. It stands out with an impressive ROCE of 58.77% and revenue growth of 18.62% YoY, signaling strong operational efficiency and growth momentum. Its low D/E ratio of 0.39 ensures financial stability.
Key risk: Dependence on commodity prices could impact margins.
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Nestlé India is a household name in the FMCG sector, offering iconic products like Maggi and Nescafé. With a stellar ROCE of 54.7% and revenue growth of 15.33% YoY, it demonstrates robust profitability and steady growth. Its D/E ratio of 0.08 reflects a conservative financial structure.
Key risk: High valuation with a P/E of 64.73x may limit upside potential.
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Eicher Motors is best known for its Royal Enfield motorcycles and commercial vehicles. It boasts revenue growth of 24.95% YoY and a ROCE of 18.22%, highlighting its growth trajectory and operational efficiency. Its D/E ratio of 0.02 reflects minimal leverage.
Key risk: Dependency on discretionary spending in the auto sector.
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Mazagon Dock specializes in shipbuilding and defense contracts. It features a ROCE of 18.69% and revenue growth of 13.77% YoY, making it a solid performer in the industrials sector. Its D/E ratio of 0.04 ensures low financial risk.
Key risk: Heavily reliant on government defense budgets.
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Persistent Systems is a leading IT services provider. With revenue growth of 23.53% YoY and a ROCE of 28.31%, it combines growth and operational excellence. Its low D/E ratio of 0.06 reflects prudent financial management.
Key risk: Vulnerable to global IT spending trends.
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NMDC is India's largest iron ore producer. It shines with revenue growth of 34.16% YoY and a ROCE of 24.25%, backed by strong operational performance. Its D/E ratio of 0.18 ensures manageable debt levels.
Key risk: Commodity price volatility could impact earnings.
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Dixon Technologies is a key player in electronics manufacturing. It boasts revenue growth of 25.77% YoY and a ROCE of 22.8%, showcasing growth potential. Its D/E ratio of 0.21 indicates moderate leverage.
Key risk: Thin margins with an OPM of 3.02%.
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APL Apollo is India's largest manufacturer of structural steel tubes. It excels with a ROCE of 26.34% and PAT growth of 58.91% YoY, reflecting strong profitability. Its Piotroski score of 8/9 highlights excellent financial health.
Key risk: Competitive pressures in the steel industry.
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OFSS provides IT solutions for the banking sector. It features a ROCE of 40.06% and revenue growth of 12.05% YoY, indicating steady growth and profitability. Its D/E ratio of 0.004 reflects negligible debt.
Key risk: Dependency on financial sector IT budgets.
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Glenmark is a leading pharmaceutical company. It stands out with revenue growth of 27.08% YoY and a ROCE of 29.55%, showcasing strong growth and profitability. Its Piotroski score of 7/9 highlights solid financial health.
Key risk: Regulatory risks in the healthcare sector.
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While this list highlights stocks with strong financial metrics, it is based on backward-looking data. Sector-specific nuances, future market conditions, and management execution are not accounted for. Investors should conduct deeper research before making decisions.
This curated list is a starting point for research, not a buy recommendation. Use it to identify potential SIP candidates and validate them against your investment goals.
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This list is for informational and educational purposes only. It does not constitute investment advice. Consult a SEBI-registered investment advisor before making investment decisions. Data as of the most recent screener refresh on InvestSights.
Disclaimer: This list is for educational and informational purposes only and does not constitute investment advice. Stocks listed here passed a quantitative screen — use the InvestSights stock pages and forensic analysis tools to do your own research before investing. Consult a SEBI-registered advisor before any investment decision.
I've started accumulating one more "Income Now" – RIIT InvIT.
First target: 2,500 units
No fresh capital from my pocket. Every unit will be funded through profits from my swing trades.
Swing Trading Profits → Income-Producing Assets → Recurring Cash Flow → Long-Term Wealth
The goal isn't just to make profits—it's to convert them into assets that generate income for years.
Not investment advice. Just my dividend journey.
→ ₹SR₹
Follow my journey on X — ₹SR₹
How did you spend/invest your dividends?
The harder you work the more taxes you pay.
The harder your portfolio works the lesser taxes you pay.
If you earn 1 cr via salary, you pay 33% taxes, if your money works and earns 1cr, 12.5% taxes at LTCG.
The game is rigged and yet i see people crying for more salaries.
Well I let them play the rat race and sleep while making my portfolio works for me.
If I don't work, I don't get my salary but my money won't betray me. It keeps working harder and harder.
Before my birthday, I try to make a profit—big or small—and invest every rupee into one of my long-term dividend stocks.
Why?
→ Because every dividend credit from that investment reminds me that good habits keep paying long after the day has passed. 😊
Yesterday, I booked a ₹50,947 swing trading profit and redeployed it into ICICI AMC.
That's my gift to my future self. 🎁
Every future dividend from this investment will remind me of this day.
Dividend investing isn't just about building wealth.
It's about building habits that create income—and memories—for years to come.
———
Do you have an investing habit that you'll never stop? 👇
Not advice. Just sharing what works for me.
→ ₹SR₹
Follow my journey on X — ₹SR₹
Bought NAM-INDIA on 22 Jun, just ahead of the dividend record date.
After 10 trading days:
→ Capital Gain: ₹50,142
→ Dividend: ₹20,212 (pending credit)
→ Total Gain: ₹70,355 (3.66%)
Reinvested the capital gain into 15 shares of ICICI AMC.
The dividend is next—once it's credited, it'll go straight back into compounding.
Swing-funded progress: 77/339 ICICI AMC shares (22.7%)
Swing Trade + Dividend Capture → Long-Term Compounding.
Follow my journey on X — ₹SR₹
Disclaimer: Personal challenge shared for accountability and consistency. Not financial advice. Investing involves risk — please do your own research.
This community has become something I genuinely look forward to every day. Thank you all for being here!
If you'd like more frequent updates, I also share my investing journey on X:
→ Daily portfolio updates
→ SIP tracking
→ Dividend milestones
→ Swing trade notes
It's the same journey—just more frequent updates.
If you'd like to connect there too, here's my X profile:
🔗 https://x.com/drip_dividend
Not advice. Just sharing what's working (and what isn't) for me.
→ ₹SR₹
Is this Invit good to invest for a beginner having Rs.15000 to invest?
Currently I'm holding rec, indigrid, coal india . I want stocks that have dividend yield of more than 6-7% . Thanks in advance
Hi guys, a bit of a background from me. I work in railways as an engineer and I decided to move to Germany for my masters. I have 20 lacs sitting in my bank. I will move in germany in september. My mother is dependent on me. I want to create a stock dividend portfolio for my mother so that she doesnot have any problem of money while I am not here. Please help guys. I'm totally new to this. The FD path won't work as the value of the principle amount will not increase. Please guys🙏🏻
I built a simple metric to screen dividend stocks and InvITs:
Formula:
(Dividend Yield × Earnings Yield) × (3Y Operating Cash Flow / Net Profit) × (TTM Net Profit / Previous FY Net Profit) × (5Y Avg Dividend / Last Dividend)
Why?
Most investors compare dividend yields directly, but that ignores valuation and quality.
SYPS combines:
The goal is to remove face value bias and identify companies (and InvITs) that offer high sustainable income at reasonable valuations, instead of simply chasing the highest yield.
It's still a screening tool—not a replacement for fundamental analysis.
The above formula is executable on Screener website, copy past it and tell me how we can improve it by making some tweaks here and there
The results are vary from 2 to 4 number score negative to positive in range
The higher the number is grate is my conclusion, run it on BSE 1000 index so that you will get much bette understanding.
Suggestions are welcome :)
📅 30 June 2026
Bajaj Holdings & Investment – ₹80 Final + ₹50 Special = ₹130/share
Bajaj Finance – ₹6 Final + ₹0.60 Special = ₹6.60/share
Bajaj Finserv – ₹1.50/share
Maharashtra Scooters – ₹60/share
Welspun Corp – ₹10/share
📅 1 July 2026
DCM Shriram Fine Chemicals – ₹20/share
Grovy India – ₹1/share
📅 2 July 2026
Chembond Materials – ₹40/share
Lloyds Enterprises – ₹0.50/share
📅 3 July 2026
Shriram Finance – ₹6/share
SML Isuzu (formerly SML Mahindra) – ₹23.50/share
Swaraj Engines – ₹110/share
At current price what should be your opinions guys about this
First of all, a huge thanks to the admins and everyone here for creating a community that's actually focused on dividend investing. It's refreshing to have a place where people discuss building long-term passive income instead of chasing the next hot stock.
I wanted to share my current dividend portfolio and would genuinely love to hear your thoughts, suggestions, or even criticism.
My current goal is to increase my IndiGrid holdings to 1,000 shares since it's the core of my dividend portfolio. After that, I plan to diversify by adding more quality dividend-paying stocks over time.
I'm a long-term investor - invest, forget, and let the dividends keep hitting my bank account. I'm not looking for quick gains or frequent trading.
I'd really appreciate your feedback:
Does my current allocation make sense, or am I too heavily concentrated?
Which dividend stocks would you recommend adding next?
Are there any sectors I'm missing that would improve diversification while maintaining a strong dividend income?
If you were building a long-term dividend portfolio in India today, what would you include?
Looking forward to learning from all of you. Thanks in advance! 🙏
📢REC and PFC Merger details announced
🔄 Swap Ratio:
88 PFC : 100 REC shares > For every 100 REC shares you hold, you get 88 PFC shares
📅 Ex-Date / Record Date:
Not announced yet > Will be declared after NCLT approval
🏦 Post-Merger Structure:
- REC merges into PFC & delists
- Creates ₹11.5L Cr power-finance PSU
- PFC remains the only listed entity
💰 Dividend Outlook:
- Merged entity targets stronger balance sheet & cash flows — set to be a Dividend powerhouse💪🏽 for long-term investors 💎
🚨Disclaimer: For information only 📊! Not a buy/sell recommendation 🚫. Do your own research & due diligence 📈💡. Invest wisely, stay informed, keep dripping lads🤓.
Last financial year, my portfolio generated nearly ₹1 lakh in dividends/distributions from a mix of stocks. Rather than using that income, I've decided to reinvest all of it into a dedicated passive income portfolio.
My current plan is:
80% PGINVIT
20% REITs
The dividends are coming from my existing stock portfolio, but instead of reinvesting them back into individual stocks, I want to channel all future dividend income into an income-focused portfolio.
This creates a separate "income snowball":
Stock portfolio → Dividends → PGINVIT + REITs → More distributions → Buy more units → Even more distributions.
I'm not trying to maximize capital appreciation with this strategy. My goal is to steadily build a portfolio that generates increasing passive income over the next 15–20 years without needing to add much fresh capital.
I know index funds may produce better total returns over the long run, but I like the idea of converting my stock dividends into assets that are specifically designed to generate regular cash flows.
I'd love to hear your thoughts:
Most people who followed $CYDY remember March 30, 2021. The FDA publicly stated that CytoDyn's claims about leronlimab were "misleading and not supported by the data", no benefit was shown in COVID-19 treatment trials. The stock dropped 25%+ that day.
What happened afterward was a class action lawsuit covering investors who held $CYDY between March 27, 2020 and March 30, 2022.
A $500,000 settlement has been reached and terms are now submitted to the court for approval.
Who qualifies?
Anyone who held $CYDY during the class period and suffered losses from the alleged misrepresentations about leronlimab's effectiveness for HIV and COVID-19.
Can I still apply?
Yes, you can submit your application now and it will be processed once claims filing officially opens after court approval.
If you were damaged by this don't forget to check your eligibility. GL!
5 years ago my trading / investment journey started with 80k
