Passive Income | 2025માં આવી રીતે તમે પણ આવકના 4 સ્ત્રોત કરી શકો છો | Sachu Kau

Calculation | આ રીતે ₹ 5000થી ₹6.5 લાખ ભેગા કરો | Sachu Kau

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In this episode of Sachu Kau, Goonj Thakkar discusses different sources of passive income. It begins by distinguishing between active income (like a salary) and passive income, emphasizing that true passive income requires capital and no ongoing action.

The video highlights four main sources of passive income:

👉🏻Systematic Withdrawal Plan (SWP) from Mutual Funds: This involves investing a capital sum (e.g., ₹6.5 Lakh in a Multi-Cap Mutual Fund) and making fixed withdrawals over a period. It suggests a 1% monthly withdrawal (₹6500 from ₹6.5 Lakh) with an average return of 18%. The document uses an example of “Ramesh” and “Suresh” to illustrate the benefits of consistent, smaller withdrawals (averaging) compared to a single large withdrawal. It notes that capital gains are taxable.

👉🏻Post Office Monthly Income Plan: This is presented as a safe investment for monthly income. An investment of ₹6 Lakh can yield ₹3700 per month.

👉🏻Fixed Deposit (FD): With a 6.5% interest rate, a ₹4 Lakh investment can generate ₹2200 per month.

👉🏻Government Bonds and Securities: Offering a 7% interest rate, a ₹3 Lakh investment can provide ₹2300 per month.
The document also provides a financial disclaimer, stating that the information is for educational purposes only and not financial advice. It encourages users to do their own research and consult with a licensed financial advisor.

It outlines a potential plan to accumulate capital, starting with a monthly investment of ₹5000, and how this can grow over time. The goal is to reach a total capital of ₹20 Lakh (₹6 Lakh in Multi-Cap Mutual Fund, ₹6 Lakh in Post Office Monthly Income, ₹4 Lakh in FD, and ₹4 Lakh in Government Securities) by investing ₹5000 for the first 5 years and then ₹11,500 per month for 2.5 years, leading to a total passive income of ₹14,700 per month after 10 years.

The video also suggests that increasing income/salary allows for increased investment and better returns, ideally starting at age 25 and reaching the goal by age 35.

00:00 – Intro
01:22 – What is Passive Income?
01:44 – How to Accumulate Capital?
02:00 – Systematic Withdrawal Plan
06:17 – Monthly Income Scheme
07:40 – Fixed Deposit
08:05 – Government Bonds