Fixed deposits in India provide safety and insured returns, with banks such as Axis and ICICI offering 6.6%. However, dividend yields from companies such as Vedanta and Jagran Prakashan exceed these rates, making them attractive to investors seeking regular income despite fluctuations. Fixed deposits in India provide safety and insured returns, with banks such as Axis and ICICI offering 6.6%. However, dividend yields from companies such as Vedanta and Jagran Prakashan exceed these rates, making them attractive to investors seeking regular income despite fluctuations. Fixed deposits (FDs) remain one of the most popular investment choices in India due to their safety and insured returns. At the moment, popular banks such as Axis Bank and ICICI Bank offer about 6.6 percent to three years of deposits, while the largest PSU Farmers Stapless State Bank of India offers about 6.15 percent. In FY25, however, several listed companies have delivered dividend returns comfortably above these levels, making them attractive options for investors looking for regular income. Top shares with dividends that declared the foreign bank FDS Vedanta Vedanta Vedanta total dividends of £ 43.50 per share in FY25 through multiple interim payments, which means a 9.8 percent dividend yield. This reflects its strong shareholders’ focus, although the return is lower than FY23 and FY24 when it stood 29.7 percent and 23 percent respectively, thanks to higher payments and a lower share price. The script has risen by 1 percent over the past year, but has dropped by 1.5 percent over the past six months. Jagran Prakashan Jagran Prakashan’s dividend yield was 8.32 percent for FY25, based on the last payout and the current share price of £ 72.11. The company declared an interim dividend of £ 6 per share in May 2025, which contributed to its strong return. However, the share struggled over the past year and fell by 23 percent, although it has achieved a profit of 5 percent over the past six months. MSTC MSTC delivered an impressive dividend payout of nearly £ 40.50 per share in FY25, resulting in a dividend yield of about 7.5-8 percent at current market levels. The company has distributed dividends through various interim payments, the latest of which was £ 4.50 in April 2025. While the share has lost by 25 percent over the past six months, it has fallen by 13 percent over the past six months. PTC India PTC India rewarded shareholders with a total dividend of £ 11.70 per share in FY25, consisting of £ 5.00 and the final dividend of £ 6.70. At a market price of around £ 174-175, it is a yield of 7.6-8 percent. The company’s consistent dividend payouts highlight its strong cash flow and commitment to investors. However, the share has fallen by 27 percent over the past year, although it has regained 10 percent over the past six months. Coal India Coal India maintained its reputation as a PSU dividend giant. For FY25, it declared dividends of £ 26.50 per share, higher than £ 25.50 in FY24, which is a return of about 7.1 percent. The share was under pressure and fell 18 percent over the past year, although it has risen by 1 percent over the past six months. What investors should keep in mind dividend returns is very dependent on share prices, which means that the return can change, even if payouts remain the same. Unlike fixed deposits, dividends are not guaranteed and can be influenced by the performance of the company, cash flow or broader economic conditions. Investors should also compare returns after tax, as dividend taxes and transaction costs can reduce effective returns. For investors who are willing to take some stock risk in exchange for higher returns than fixed deposits, dividend-paying shares remain a strong option. Vedanta and Coal India provide stability among major caps, while Jagran Prakashan, MSTC and PTC India offer attractive returns in the mid-capitalization space. As always, investors need to monitor financial results and market prices before making long -term decisions. Disclaimer: The views and recommendations above are those of individual analysts or brokerage companies, and not of currency. We advise investors to check with certified experts before making investment decisions.
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