1. 🏢 Invest in Commercial Real Estate (Fractionally)

You don’t need ₹50 lakh to buy a property.

With platforms like Lemivest, you can invest from ₹10,000 in high-quality office buildings and retail spaces.

You earn monthly rental income and also benefit from long-term property growth.

No landlord duties. No hassle.

2. 📈 Dividend Stocks or REITs

Some stocks give you a share of profits every quarter.

These are called dividends.

You can also invest in REITs, which are like mutual funds for real estate.

They give steady income and are easy to buy through apps like Groww or Zerodha.

3. 🧠 Sell a Digital Product

You can earn from your skills.

If you know Excel, cooking, Canva, finance, or even how to crack interviews — package your knowledge into an eBook or a small course.

Sell it on sites like Gumroad or Udemy.

Work once. Get paid many times.

4. 🌐 Start a Blog or YouTube Channel

It takes time, but once it picks up, the money keeps flowing.

Write or talk about what you know. Use ads, affiliate links, or brand deals to earn.

Even ₹2,000 from a blog post you wrote last year counts as passive income.

5. 🏦 Peer-to-Peer Lending

You lend small amounts to verified borrowers online.

They pay you back with interest.

It’s higher risk, but can give 9–12% returns if you diversify.

Use trusted platforms like LendBox or Faircent.

Final Thought

You don’t need a big budget to start.

Pick one idea. Start small.

Let your money do the work — even while you sleep.