Systematic Withdrawal Plan (SWP)

A Systematic Withdrawal Plan (SWP) is a smart way to generate regular income from your mutual fund investments. Under SWP, you withdraw a fixed amount at regular intervals—monthly, quarterly, or yearly—while the remaining investment continues to stay invested and grow.

SWP is ideal for people who want steady cash flow without redeeming their entire investment at once. It is commonly used for retirement income, monthly expenses, or planned withdrawals, while still allowing your money to benefit from market growth.

One of the biggest advantages of SWP is that it helps you manage withdrawals efficiently, reduce the impact of market fluctuations, and provide better control over your finances. Since only a portion of your investment is withdrawn, the rest continues to earn potential returns.

Key Benefits of SWP

Regular and predictable income
Tax-efficient withdrawal option
Remaining funds continue to grow
Flexible withdrawal amount and frequency
Ideal for retirees and income planning

In simple terms, SWP lets you enjoy your money regularly while keeping the rest invested for the future.