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Systematic Withdrawal Plan (SWP)

A smart facility that allows you to withdraw a fixed amount from your mutual fund investment at regular intervals.

What is a Systematic Withdrawal Plan (SWP)?

A Systematic Withdrawal Plan (SWP) is a structured method of withdrawing a fixed amount from your mutual fund investment at regular intervals such as monthly, quarterly, or annually. It allows investors to generate a steady income stream while keeping the remaining investment actively invested in the market.

SWP is especially useful for individuals who want predictable cash flow without liquidating their entire investment. As only a portion of the invested amount is withdrawn periodically, the balance continues to participate in market growth, helping manage inflation over the long term.

  • Provides a regular and predictable income flow
  • Tax-efficient withdrawal compared to traditional income options
  • Remaining investment continues to grow over time
  • Flexible withdrawal amount and frequency
  • Suitable for retirees and income-focused investors

Why Choose SWP?

• Regular Income Stream
Provides a steady and predictable income at fixed intervals such as monthly or quarterly.

• Tax-Efficient Withdrawals
Only the capital gains portion of each withdrawal is taxable, making SWP more efficient than many traditional income options.

• Continued Growth Potential
The remaining invested amount stays in the market, allowing potential long-term capital appreciation.

• Flexible & Customizable
You can choose the withdrawal amount, frequency, and duration based on your income needs.

• Better Cash Flow Management
Helps manage expenses and lifestyle needs without redeeming the entire investment at once.

Benefits of SWP

Why Choose Systematic Withdrawal Plan?

Regular Income

SWP allows you to receive a fixed and predictable income at regular intervals.

Tax-Efficient Withdrawals

Only the capital gains portion of withdrawals is taxable, which can be more efficient.

Capital Preservation

You withdraw systematically without redeeming the entire investment at once.

Continued Investment Growth

Remaining corpus stays invested, offering potential long-term growth.

Flexible & Customizable

You can change or stop withdrawal amount and frequency anytime.

Our Process

Our Structured AIF Investment Process

Understand Income Requirements

We first understand your regular income needs, financial goals, and investment horizon.

Risk Profiling & Assessment

Your risk appetite is evaluated to ensure the SWP is sustainable and comfortable.

Fund Selection

Suitable debt, hybrid, or equity-oriented funds are selected based on income stability and growth needs.

SWP Setup

Withdrawal amount, frequency (monthly/quarterly), and start date are set up smoothly.

Monitor & Review

The SWP is regularly monitored and reviewed to ensure long-term stability and alignment with goals.

Create a Reliable Income with SWP

Plan systematic withdrawals that match your income needs while keeping your investments working for long-term growth.

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FAQ'S

Frequently Asked Questions

An SWP allows you to withdraw a fixed amount from your mutual fund investment at regular intervals, providing steady income.

SWP is suitable for retirees, income-seeking investors, and anyone who needs regular cash flow from investments.

SWP can be more flexible and tax-efficient than fixed deposits, depending on the fund type and holding period.

You can choose monthly, quarterly, or other intervals based on your income requirements.

Yes, SWP is flexible. You can modify the withdrawal amount, frequency, or stop it whenever needed.

Only the capital gains portion of each withdrawal is taxable as per applicable tax laws.

Yes, the remaining invested amount stays in the market and can continue to grow over time.

The minimum investment depends on the mutual fund scheme selected for the SWP.