Swp Mutual Fund: Systematic Withdrawal Plan (SWP) is a financial tool that allows investors to regularly withdraw a fixed amount of money from their mutual funds. It is a reliable source of income that acts as a salary for retirement or other financial goals. SWP provides financial protection by allowing structured withdrawals while preserving capital, which allows retirees to withdraw investment money at low risk.
Everyone dreams of a steady income after long years of hard work. Best Systematic Withdrawal Plan (SWP) Mutual Funds in India can help at this time. They provide a smart way to make regular payments from your investments while also helping to grow residual funds.
In this blog, we will explain what Systematic Withdrawal Plan (SWP) is and how it works. Also, we will also share a list of Best SWP Mutual Funds in India for 2025. These funds aim to provide you with a stable income while protecting your investment.
How Does SWP Mutual Fund Work
- Investment: The first step in setting up an SWP is to invest lampSam money in a mutual fund.
- Setting up SWP: You then instruct the mutual fund to withdraw a fixed amount at regular intervals such as monthly or quarterly.
- Withdrawal Process : At every interval the fund house sells a portion of your mutual fund units equal to the withdrawal amount and deposits cash into your account.
- Continuous Withdrawal: This process continues till you either decide to cancel the SWP or your investment balance is completely depleted.
- Example: Suppose you invest Rs 1,00,000 in a mutual fund with a net asset value (NAV) of Rs 100 per unit. You set up an SWP to withdraw Rs 5,000 per month. Every month the fund sells units based on the current NAV to pay you Rs 5,000, adjusting the number of units sold as the NAV changes.
Best Swp Mutual Fund
Here’s a comparison of different mutual fund schemes based on their performance under a Systematic Withdrawal Plan (SWP):
| Scheme Name | AMC Name | No of Instalments | Total Withdrawal Amount (Rs) | Current Value (Rs) | Return XIRR (%) |
|---|---|---|---|---|---|
| SBI Equity Hybrid Reg Gr | SBIMF | 68 | 2,04,000 | 1,267 | 22.36 |
| ICICI Pru Equity & Debt Gr | ICICIMF | 65 | 1,95,000 | 829 | 21.4 |
| Tata Hybrid Equity Reg Gr | TataMF | 64 | 1,92,000 | 1,616 | 21.16 |
| HDFC Hybrid Equity Gr | HDFCMF | 62 | 1,86,000 | 2,457 | 20.56 |
| Nippon India Equity Hybrid Gr | NipponIndiaMF | 62 | 1,86,000 | 1,233 | 20.42 |
SBI Equity Hybrid Reg Gr
SBI Equity Hybrid Regular Growth Fund is managed by SBIMF and was launched on December 1, 1995. With an initial lump sum investment of Rs. 1,00,000, this fund offers consistent returns through a Systematic Withdrawal Plan (SWP). Investors have a time limit to withdraw Rs. 2,04,000 in 68 monthly installments. Despite this withdrawal, the current value of the investment stands at Rs. 1,267, which provides an impressive XIRR return of 22.36%. The fund has successfully balanced growth and cash flow, making it an attractive option for capital appreciation as well as regular income.
ICICI Pru Equity & Debt Gr
ICICI Prudential Equity and Debt Growth Fund, managed by ICICIMF and launched on 5th November 1999, has shown strong performance over the years. With a single investment of Rs 1,00,000, this fund offers regular withdrawals through a Systematic Withdrawal Plan (SWP) from January 1, 2013 to July 1, 2025. With a total withdrawal amount of Rs 195000 over 65 monthly installments, the present value of the investment stands at Rs 829, reflecting a strong XIRR return of 21.4%. This fund effectively combines equity and debt to offer a balanced approach, making it a reliable option for investors seeking fixed income and long-term growth.
Tata Hybrid Equity Reg Gr
Tata Hybrid Equity Regular Growth Fund managed by TataMF has shown consistent performance with an effective balance between equity and debt investments. There have been a total of 64 investments. Investors have withdrawn a total of Rs 1,92,000. Despite these withdrawals, the current value of the investment stands at Rs1616 which gives an appreciable XIRR return of 21.16%. The fund offers financial stability and growth potential in the long term, providing a solid option for investors looking for a mix of growth and regular cash flow.
HDFC Hybrid Equity Gr
The HDFC Hybrid Equity Growth Fund, managed by HDFCMF, has shown good performance by balancing investments in both equity and debt. Over 62 months, investors have withdrawn a total of Rs 1,86,000. Even after these withdrawals, the current value of the investment is Rs 2,457, with an impressive XIRR return of 20.56%. This fund offers a good option for those looking for regular income and growth, making it a reliable choice for steady financial gains.
Nippon India Equity Hybrid Gr
The Nippon India Equity Hybrid Growth Fund, managed by Nippon India MF, has delivered strong returns by combining equity and debt investments. Over a period of 62 months, investors have withdrawn a total of Rs 1,86,000. Despite these withdrawals, the current value of the investment stands at Rs 1,233, with an XIRR return of 20.42%. This fund provides a balanced approach, making it a good option for investors seeking both regular income and growth potential.
ConclusionÂ
In 2025, Systematic Withdrawal Plans (SWP) have continued to gain popularity among investors as a reliable source of income and a way to keep investments active. The top SWP mutual funds in India balance regular income with capital appreciation, making them ideal for supplementing retirement income or managing daily expenses.
The best SWP mutual funds in India for 2025 include SBI Equity Hybrid Reg Gr, ICICI Prudential Equity & Debt, Tata Hybrid Equity Reg Gr, and HDFC Hybrid Equity Gr. These funds are known for their strong performance, diversified portfolio, and relatively low risk, making them suitable for regular withdrawals as well as long-term wealth preservation.
Overall, SWPs provide an effective method that ensures monthly income while maintaining the potential for capital appreciation. It is a versatile tool for meeting various financial goals such as retirement, education, or living expenses, making it an excellent option for disciplined investors looking for a regular cash flow.
Want to plan for a steady income from your investments? Estimate your withdrawal amount using our SWP calculator and start planning for a sustainable financial future. Start calculating today!