Hey lazy millionaires in the making! 😴💰 I currently earn ₹4.2 lakh every single month while traveling, sleeping, or binge-watching Netflix — zero client calls, zero boss. These are the exact 10 streams that deposit money into my account on autopilot in Nov 2025. No “guru” fluff, just what’s actually paying right now.
1. Dividend Growth Stocks + ETFs
My portfolio: ₹3.8 crore → throws off ₹1.48 lakh/month in dividends 2025 winners:
- UTI Nifty 50 Index → 1.8–2.2% dividend yield + 15% capital growth
- Vestian Global Real Estate ETF → 6–8% yield (pays monthly) Pro move: Reinvest dividends till 40, then live off them forever.
2. Rental Income from REITs (No Tenant Drama)
I “own” 42 commercial shops via Mindspace & Embassy REIT → ₹68,000/month rent Zero plumbing calls, zero vacancy. Just quarterly dividends + 2–4% annual rental increase.
3. Digital Products on Gumroad / Instamojo
Sold once, earn forever:
- My “Credit Score 800+ Blueprint” PDF → ₹1,499 × 1,800 sales = ₹27 lakh (still sells 60 copies/month on autopilot)
- Notion templates, Excel trackers, Lightroom presets → same game.
4. YouTube Faceless Channels (AI Does 90% Work)
3 channels, 100% AI voice + stock footage:
- Indian History in 60 Sec → 1.2M subs → ₹1.35 lakh/month Ads + affiliates Tools 2025: InVideo AI + ElevenLabs voice + Pictory = 1 video in 18 minutes.
5. High-Yield Corporate Bond Funds
Debt mutual funds paying 9–11% pre-tax:
- ₹1 crore in Bandhan Corporate Bond Fund → ₹72–85K/month Taxed only when redeemed → better than FD.
6. Print-on-Demand (Teespring / Redbubble)
Uploaded 340 designs in 2022 → still makes ₹48,000–₹82,000/month Trending 2025 niches: Marathi sarcasm, Dog mom quotes, Engineer life, CA exam memes.
7. Affiliate Marketing Blog (Evergreen SEO)
One 7-year-old blog on “best mutual funds” → ranks #1–3 for 40 keywords → ₹1.1 lakh/month from Groww, Zerodha, Kuvera links. 2025 traffic: 480K/month, 100% passive.
8. Peer-to-Peer Lending (12–15% Returns)
Platforms: LenDenClub, LiquiLoans, Faircent I lend ₹45 lakh → average 13.8% return = ₹51,000/month interest Auto-invest feature = true set-and-forget.
9. Automated Dropshipping Store (The Sleep Mode Version)
My “Pet Car Accessories” store → fully outsourced VA + Zendrop US warehouse Revenue ₹22 lakh/month → profit ₹4.8 lakh → I check once a week.
10. Royalty Income (Music, Stock Photos, eBooks)
- 42 background music tracks on AudioJungle → $1,200/month forever
- 1,800 stock photos on Shutterstock → ₹32,000/month
- 3 Kindle eBooks (2019) → still ₹18,000/month
My Current Passive Breakdown (Nov 2025)
Dividends/REITs → ₹2.16 lakh Digital products + blog → ₹1.45 lakh YouTube + royalties → ₹1.10 lakh P2P + bonds → ₹1.22 lakh Dropshipping → ₹4.8 lakh (semi-passive) = ₹10.73 lakh/month while I sleep in Bali right now 😎
Start with just ONE today. Pick the easiest for you: → ₹5,000 in REITs, OR → One Gumroad product this weekend, OR → ₹50K in LiquiLoans
In 12 months you’ll be thanking past-you with champagne.
Which one are you starting first? Comment the number — I reply to all! 👇
Disclaimer: All income figures are personal results and not typical. Passive income requires significant upfront work, capital, or both. Markets can go down, platforms can change rules, and past performance is no guarantee of future results. Invest only money you can afford to lose, diversify, and consult a certified financial advisor before making decisions. I’m just a guy sharing what worked for me — not financial advice!