From Zero to 6.75 Lakhs Per Year — My Covered Call Journey as a Beginner

In January 2025, I had never traded options. I had a ₹90 lakh equity portfolio sitting idle — no income generation, just hoping for capital appreciation.

By December 2025, I was earning ₹56,250 per month from selling covered calls on the same stocks. That's ₹6.75 lakhs per year — a 7.5% yield on top of any price appreciation. Here's exactly how I started.

Month 1: Learning the basics

The Income Engine in White Stallion AI scanned my portfolio and showed which stocks were eligible for covered calls (stocks where I held at least 1 lot worth of shares). My first trade: VEDL (held 3,453 shares, lot size 2,200). I sold 1 lot of 750 CE for ₹12.78 per share = ₹28,116 premium collected.

Month 2-3: Building the habit

Every month after expiry, I'd check the Make Money tab for updated opportunities. I added covered calls on TATAMOTORS, SBIN, and COALINDIA. Monthly income grew to ₹35,000.

Month 4-6: Optimizing with Strategy Lab

I started using the Strategy Lab to simulate different strikes before selling. A 5% OTM strike gives less premium but gets called away less often. A 2% OTM strike gives more premium but higher assignment risk. The P&L heatmap helped me visualize the trade-offs.

Current state: ₹56,250/month

I now sell covered calls on 6 stocks monthly. Total annual income: ₹6.75 lakhs. The Strategy Lab helps me pick strikes, the Income Engine tracks my yield, and the F&O Operations tab monitors all active legs.