Dividend Yield Calculator — Share Se Kitni Kamai
Ek share ₹500 ka hai aur saal me ₹25 ka dividend deta hai. Ye kitna return hua? Neeche bhaav aur saalana dividend daaliye — yield saamne aa jayega.
Yield ka hisaab
₹500 ka share, ₹25 saalana dividend:
- Yield = 25 ÷ 500 × 100 = 5%
Yaani us share me lagaya har ₹100 aapko saal me ₹5 dividend de raha hai — bhaav badhne ya girne se alag.
Bharat me achhe dividend dene wale share ka yield aam taur par 1-4% ke beech rehta hai. Kuch sarkari company aur PSU me ye 5-7% tak bhi jaata hai.
Zyada yield hamesha achhi khabar nahi
Ye sabse zaroori baat hai. Yield ka formula dekhiye — bhaav neeche hai to yield apne aap upar chala jaata hai.
Company ki haalat kharab hui, bhaav girkar ₹250 ho gaya.
Ab yield 10% dikh raha hai — par company pehle se kamzor hai.
Ise "yield trap" kehte hain. 12-15% ka yield dikhne ka matlab aksar ye hota hai ki bazaar us company par bharosa kho chuka hai, aur agle saal dividend kat bhi sakta hai.
Isliye yield ke saath ye zaroor dekhiye:
- Company ka munafa — kya wo sach me kama rahi hai, ya karza lekar dividend de rahi hai?
- Payout ratio — munafe ka kitna hissa dividend me ja raha hai. 70-80% se upar ho to wo lambe samay tak nahi chal sakta.
- Pichhle 5-10 saal ka record — dividend lagataar diya ya beech me band kiya?
- Karza — bhaari karze wali company ka dividend sabse pehle katta hai.
Dividend par tax ka niyam
Ye niyam kuch saal pehle badla tha, aur bahut logon ko abhi bhi purana wala pata hai.
- Dividend ab aapki aay me judta hai aur aapke slab ke hisaab se tax lagta hai. Pehle company tax deti thi, ab aap dete hain.
- Ek seema se zyada dividend par TDS katta hai — aam taur par 10%. Wo aapke khaate me dikhta hai aur ITR me adjust ho jaata hai.
- PAN na hone par TDS zyada katta hai.
Agar aay tax ke daayre se neeche hai to Form 15G/15H dekar TDS rukwa sakte hain. Poora tarika TDS Calculator aur TDS Guide me hai.
Dividend ke liye nivesh — kiske liye theek hai
Ye achha hai unke liye jo:
- Retire ho chuke hain aur har kuch mahine me kuch aay chahiye
- Bazaar ke utaar-chadhav me bhi kuch aata rahe, ye chahte hain
- Lambe samay tak share rakhte hain aur baar-baar bechte nahi
Ye theek nahi hai unke liye jo:
- Oonche tax slab me hain — dividend par poora tax lagta hai
- Paisa badhana chahte hain — badhne wali company aksar dividend kam deti hai, kyunki wo munafa dobara karobar me lagati hai
- Sirf yield dekhkar share chun rahe hain — yahi sabse aam galti hai
Ye tool sirf hisaab ke liye hai — kisi share ki salah nahi hai. Hum SEBI-registered advisor nahi hain.
Poora return dekhne ke liye CAGR Calculator, charges ke liye Brokerage Calculator aur kiraye ke yield ke liye Rental Yield Calculator dekhiye.
Aksar pooche jaane wale sawaal
Dividend yield kaise nikalta hai?
(Saalana dividend ÷ share ka bhaav) × 100. 500 ke share par 25 dividend matlab 5% yield.
Zyada yield achha hota hai?
Zaroori nahi. Bhaav girne par yield apne aap badh jaata hai — 12-15% ka yield aksar ye batata hai ki bazaar us company par bharosa kho chuka hai. Isse yield trap kehte hain.
Dividend par tax lagta hai?
Haan. Ab wo aapki aay me judta hai aur slab ke hisaab se tax lagta hai. Ek seema se upar TDS bhi katta hai — aam taur par 10%.
Dividend milne par share ka bhaav girta hai?
Haan, ex-dividend date par bhaav lagbhag utna hi gir jaata hai. Isliye dividend muft ka paisa nahi hai — wo aapke apne share ki value se aata hai.