Start with IT giants TCS, HCL, Wipro in January. February brings PSU power from ITC, ONGC, Coal India. March peaks with REC, PFC paying thirty two rupees.
April features Vedanta, Britannia, Nestlé. May combines ITC, HDFC Bank, SBI. June mixes Infosys, Bajaj Finserv, Tata Power, REC for summer cash flow consistently.
July delivers TCS, Hindustan Zinc, Castrol. August sees Coal India, BPCL, ONGC oil rush. September brings GAIL, HUDCO, NALCO infrastructure plays with stable yields.
October has TCS, Infosys festival payouts. November brings Coal India, ONGC heavy PSUs. December closes with Vedanta, NALCO year end specials for complete calendar coverage.
Vedanta leads with six to nine point nine percent yield. Coal India offers five point eight to six point nine percent. PFC and REC provide four to five point five percent.
Allocate twenty five to thirty percent commodity, twenty to twenty five percent finance, fifteen to twenty percent FMCG, fifteen percent IT, ten to fifteen percent utilities for balance.
Twenty five lakh portfolio at five percent yields one point two five lakh yearly. After tax, eight thousand three hundred monthly. Dividends not guaranteed, cyclical risks exist.