Aaj kal kaafi Indian investors aise mutual funds dhoondte hain jo regular dividend income de sake. Dividend-paying mutual funds un investors ke liye ideal hote hain jo monthly ya quarterly cash-flow chahte hain — jaise retirees, freelancers, ya stable side income plan karne wale log.
Is article me hum India ke best dividend-paying mutual funds ka detailed comparison karenge jo consistent distribution track record rakhte hain.
Dividend Paying Mutual Funds Kya Hote Hain?
Ye aise mutual funds hote hain jo time-to-time apne investors ko payout (dividend) dete hain.
Dividend guaranteed nahi hota, lekin funds ke earnings (profits) ke basis par diya jata hai.
Simple words me:
Aapko investment ke saath-saath regular cashflow bhi mil sakta hai.
Best Dividend Paying Mutual Funds in India (2025)
(General well-known funds — without claiming live or specific return %)
1. ICICI Prudential Equity & Debt Fund (Dividend Option)
Why this fund is popular:
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Hybrid nature: Equity + Debt
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Stable and consistent payouts
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Long-term risk manageable
Best for: Retirees, conservative investors
2. HDFC Hybrid Equity Fund – Dividend Payout
Why investors like it:
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Balanced fund with strong track record
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HDFC AMC ka robust management
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Regular distribution history
Best for: Stable long-term income seekers
3. SBI Equity Hybrid Fund – Dividend Option
Why it stands out:
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India’s most trusted fund houses me se ek
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Low volatility due to hybrid structure
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Good payout consistency
Best for: Beginners + moderate risk investors
4. Aditya Birla Sun Life Equity Hybrid 95 Fund – Dividend
Why this fund works well:
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Aggressive hybrid, growth + income dono
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Positive dividend distribution pattern
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Suitable for 3–5 years horizon
Best for: Medium risk-takers
5. Kotak Equity Hybrid Fund – Dividend Option
Why it’s reliable:
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Steady performance over multiple cycles
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Diversified portfolio
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Good for disciplined regular payout expectations
Best for: Long-term wealth + periodic income
Comparison Table: Best Dividend-Paying Mutual Funds (General Overview)
| Mutual Fund | Category | Ideal For | Risk | Key Benefit |
|---|---|---|---|---|
| ICICI Pru Equity & Debt Fund | Hybrid | Retirees | Moderate | Consistent payouts |
| HDFC Hybrid Equity Fund | Hybrid | Long-term investors | Moderate | Stable track record |
| SBI Equity Hybrid Fund | Hybrid | Beginners | Moderate | Trusted AMC |
| ABSL Equity Hybrid 95 Fund | Aggressive Hybrid | Medium risk takers | High | Growth + Income |
| Kotak Equity Hybrid Fund | Hybrid | Balanced investors | Moderate | Diversified portfolio |
Dividend Paying Funds Kaise Kaam Karte Hain?
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Fund profit kamata hai →
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AMC decide karti hai ki kitna dividend distribute karna hai →
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Dividend aapke bank account me aa jata hai
Note: Dividend NAV se cut hota hai. Iska matlab payout aapke own capital me se bhi adjust hota hai.
Real-Life Example
Rohit ek retired school teacher hai. Wo monthly ₹25,000 pension ke saath extra ₹5,000–₹7,000 ka side income chahte hain.
Unhone ICICI Prudential Equity & Debt Fund (Dividend Option) me invest kiya, jisse unko periodic dividends milne lage.
Isse unko:
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Regular cashflow
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Market growth ka benefit
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Savings account se zyada flexibility mila
Yahi reason hai ki dividend-paying funds retirees ke liye kaafi beneficial hote hain.
Pros & Cons of Dividend Paying Mutual Funds
Pros
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Regular possible income
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Suitable for senior citizens
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Hybrid structure = lower volatility
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Easy to withdraw anytime
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Portfolio diversification
Cons
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Dividend guarantee nahi hota
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NAV decline hota hai after payout
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Long-term returns growth option se kam ho sakti hai
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Taxation complex ho sakta hai
Most Important FAQs
1. Dividend guaranteed hota hai?
Nahi. Dividend kabhi guaranteed nahi hota. AMC ke profit aur policy ke basis par diya jata hai.
2. Dividend mutual fund monthly income deta hai?
Some funds monthly, quarterly, ya annual payouts dete hain, par regular fixed income guarantee nahi hoti.
3. Best fund retirees ke liye kaunsa hai?
ICICI Pru Equity & Debt, HDFC Hybrid Equity — reliable choices.
4. Kya dividend option zyada safe hota hai?
Hybrid categories comparatively safer hoti hain, par equity exposure risk rakhta hai.
5. Taxation kaise lagta hai?
Dividend par TDS + income tax slab apply hota hai.
Growth option tax efficient hota hai.
6. Dividend option better hai ya growth option?
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Income chahiye → Dividend option
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Wealth creation → Growth option
7. Minimum investment kitna hai?
SIP ₹100–₹500 minimum hota hai (fund par depend karta hai).
Conclusion
Dividend-paying mutual funds un investors ke liye best hote hain jo regular payout + moderate market exposure chahte hain. Hybrid category ke funds especially retirees, salaried individuals aur income-seekers ke liye perfect fit hain.
Lekin yaad rakho: dividends guaranteed nahi hote.
Isliye long-term stability ke liye aap apne financial goal ke hisaab se fund choose karein.
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