Plan your regular monthly income from your mutual fund investments. Ideal for retirement planning and generating passive income.
Plan Details
Min ₹1 Lakh
₹50.00 L
Min ₹500
₹25,000
1% - 30%
1 - 30 Years
Total Withdrawn
₹60.00 L
over 20 years
Final Value
₹1.32 Cr
remaining balance
Balance Projection
Yearly Breakdown
| Year | Withdrawn | Interest Earned | Balance |
|---|---|---|---|
| 1 | ₹3,00,000 | +₹4,54,000 | ₹51,54,000 |
| 2 | ₹6,00,000 | +₹4,68,446 | ₹53,22,446 |
| 3 | ₹9,00,000 | +₹4,84,247 | ₹55,06,693 |
| 4 | ₹12,00,000 | +₹5,01,531 | ₹57,08,224 |
| 5 | ₹15,00,000 | +₹5,20,436 | ₹59,28,660 |
| 6 | ₹18,00,000 | +₹5,41,114 | ₹61,69,774 |
| 7 | ₹21,00,000 | +₹5,63,733 | ₹64,33,507 |
| 8 | ₹24,00,000 | +₹5,88,472 | ₹67,21,979 |
| 9 | ₹27,00,000 | +₹6,15,533 | ₹70,37,512 |
| 10 | ₹30,00,000 | +₹6,45,132 | ₹73,82,645 |
| 11 | ₹33,00,000 | +₹6,77,508 | ₹77,60,153 |
| 12 | ₹36,00,000 | +₹7,12,921 | ₹81,73,074 |
| 13 | ₹39,00,000 | +₹7,51,656 | ₹86,24,730 |
| 14 | ₹42,00,000 | +₹7,94,024 | ₹91,18,754 |
| 15 | ₹45,00,000 | +₹8,40,367 | ₹96,59,121 |
| 16 | ₹48,00,000 | +₹8,91,057 | ₹1,02,50,178 |
| 17 | ₹51,00,000 | +₹9,46,503 | ₹1,08,96,681 |
| 18 | ₹54,00,000 | +₹10,07,149 | ₹1,16,03,830 |
| 19 | ₹57,00,000 | +₹10,73,484 | ₹1,23,77,314 |
| 20 | ₹60,00,000 | +₹11,46,043 | ₹1,32,23,357 |
What is SWP?
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investments at regular intervals (usually monthly). It is the opposite of SIP. While SIP helps you create wealth, SWP helps you consume wealth systematically.
Why choose SWP?
- ✓Regular Income: Get a fixed monthly inflow to meet your expenses, just like a salary or pension.
- ✓Tax Efficiency: You only pay tax on the capital gains part of the withdrawal, making it more efficient than FDs.
- ✓Capital Growth: If your withdrawal rate is lower than the fund's return, your capital continues to grow.
SWP vs Dividend
- ✓Certainty: SWP guarantees a fixed cash flow. Dividends are uncertain and depend on the fund house.
- ✓Control: You decide how much to withdraw in SWP. In Dividend options, you have no control.
- ✓Taxation: Dividends are taxed at your slab rate. SWP gains are taxed as Capital Gains (often lower).