Simulate a Systematic Withdrawal Plan from a lumpsum mutual fund investment — pick a scheme, set your withdrawal, get the full run-down on live NAV history.
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed sum (or a fixed percentage) from your mutual fund investment at regular intervals — monthly, quarterly or yearly — while the remaining corpus stays invested and keeps compounding. It is the withdrawal mirror of a SIP, and is widely used to generate a regular income stream from a built-up corpus, for example in early retirement.
Withdrawals use the nearest previous available NAV for each date (markets are closed on weekends and holidays). If a withdrawal would exceed the balance, the plan simply pays out whatever is left and ends.
Each SWP instalment counts as a redemption, so capital-gains tax applies only to the gain portion of each withdrawal, not the full amount. As a rough guide for units bought on or after 23 July 2024: equity-oriented funds held over 12 months face 12.5% LTCG above ₹1.25 lakh/year; shorter holdings face 20% STCG. Debt-oriented fund gains are taxed at your slab rate. Tax rules change — treat this as orientation, not tax advice, and confirm current rules before acting.
SWP keeps your money market-linked, so returns can beat a savings account over long periods — but unlike a savings account, the corpus can also fall. SWP suits money you won't need for several years.
A common rule of thumb is to keep annual withdrawals well below the fund's expected long-run return. Many planners use 3–4% per year as a conservative perpetual rate for equity-heavy portfolios.
Fixed amount gives predictable income but can drain the corpus in a prolonged downturn. Percent-of-balance never fully depletes the corpus, but your income fluctuates with the market.
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