Best SWP In Mutual Funds 2026: Fund Performance, NAV & Returns
Top SWP in Mutual Funds - Best Funds, Benefits & Risks
Showing 1 - 20 of 96 results
| NameMFs (96)↓ | ↓Sub CategorySub Category↓ | ↓PlanPlan↓ | ↓AUMAUM↓ | ↓NAVNAV↓ | ↓Absolute Returns - 3MAbsolute Ret. - 3M↓ | ↓Absolute Returns - 1YAbsolute Ret. - 1Y↓ | ↓CAGR 3YCAGR 3Y↓ | ↓Expense RatioExpense Ratio↓ | ↓Exit LoadExit Load↓ | ||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | SBI Gold SBI Gold | FoFs - Gold FoFs - Gold | Growth Growth | 16,532.94 16,532.94 | 44.77 44.77 | -8.42 -8.42 | 50.50 50.50 | 33.47 33.47 | 0.25 0.25 | 1.00 1.00 | |
| 2. | Kotak Multi Asset Allocation Fund Kotak Multi Asset Allocation Fund | Multi Asset Allocation Fund Multi Asset Allocation Fund | Growth Growth | 13,958.01 13,958.01 | 16.04 16.04 | -1.46 -1.46 | 18.66 18.66 | - - | 0.52 0.52 | 1.00 1.00 | |
| 3. | HDFC Gold ETF FoF HDFC Gold ETF FoF | FoFs - Gold FoFs - Gold | Growth Growth | 12,121.18 12,121.18 | 45.75 45.75 | -8.18 -8.18 | 50.50 50.50 | 33.37 33.37 | 0.20 0.20 | 1.00 1.00 | |
| 4. | DSP Multi Asset Allocation Fund DSP Multi Asset Allocation Fund | Multi Asset Allocation Fund Multi Asset Allocation Fund | Growth Growth | 9,241.13 9,241.13 | 16.32 16.32 | 0.02 0.02 | 16.55 16.55 | - - | 0.28 0.28 | 1.00 1.00 | |
| 5. | Motilal Oswal Nasdaq 100 FOF Motilal Oswal Nasdaq 100 FOF | FoFs (Overseas) FoFs (Overseas) | Growth Growth | 8,583.28 8,583.28 | 68.47 68.47 | 44.83 44.83 | 77.55 77.55 | 40.46 40.46 | 0.19 0.19 | 1.00 1.00 | |
| 6. | Nippon India Gold Savings Fund Nippon India Gold Savings Fund | FoFs - Gold FoFs - Gold | Growth Growth | 7,553.43 7,553.43 | 58.39 58.39 | -8.38 -8.38 | 50.03 50.03 | 33.27 33.27 | 0.05 0.05 | 1.00 1.00 | |
| 7. | Kotak Gold Fund Kotak Gold Fund | FoFs - Gold FoFs - Gold | Growth Growth | 7,064.81 7,064.81 | 59.02 59.02 | -8.60 -8.60 | 50.13 50.13 | 33.16 33.16 | 0.11 0.11 | 1.00 1.00 | |
| 8. | ICICI Pru Gold ETF FOF ICICI Pru Gold ETF FOF | FoFs - Gold FoFs - Gold | Growth Growth | 6,855.77 6,855.77 | 46.84 46.84 | -8.41 -8.41 | 50.34 50.34 | 33.41 33.41 | 0.16 0.16 | 1.00 1.00 | |
| 9. | Quant Multi Asset Allocation Fund Quant Multi Asset Allocation Fund | Multi Asset Allocation Fund Multi Asset Allocation Fund | Growth Growth | 5,615.03 5,615.03 | 178.69 178.69 | 3.71 3.71 | 17.38 17.38 | 24.63 24.63 | 0.61 0.61 | 1.00 1.00 | |
| 10. | Franklin U.S. Opportunities Equity Active FOF Franklin U.S. Opportunities Equity Active FOF | FoFs (Overseas) FoFs (Overseas) | Growth Growth | 5,190.02 5,190.02 | 101.10 101.10 | 12.38 12.38 | 21.50 21.50 | 23.16 23.16 | 0.50 0.50 | 1.00 1.00 | |
| 11. | SBI Automotive Opportunities Fund SBI Automotive Opportunities Fund | Sectoral Fund - Auto Sectoral Fund - Auto | Growth Growth | 5,177.78 5,177.78 | 11.70 11.70 | 3.52 3.52 | 19.61 19.61 | - - | 0.86 0.86 | 1.00 1.00 | |
| 12. | Motilal Oswal S&P 500 Index Fund Motilal Oswal S&P 500 Index Fund | Index Fund Index Fund | Growth Growth | 4,580.36 4,580.36 | 31.94 31.94 | 11.17 11.17 | 34.30 34.30 | 25.36 25.36 | 0.58 0.58 | 1.00 1.00 | |
| 13. | Edelweiss US Technology Equity FOF Edelweiss US Technology Equity FOF | FoFs (Overseas) FoFs (Overseas) | Growth Growth | 4,556.98 4,556.98 | 40.71 40.71 | 24.39 24.39 | 41.30 41.30 | 31.28 31.28 | 1.48 1.48 | 1.00 1.00 | |
| 14. | Kotak US Specific Equity Passive FOF Kotak US Specific Equity Passive FOF | FoFs (Overseas) FoFs (Overseas) | Growth Growth | 4,214.61 4,214.61 | 27.80 27.80 | 18.37 18.37 | 46.93 46.93 | 31.72 31.72 | 0.24 0.24 | - - | |
| 15. | Axis Greater China Equity FoF Axis Greater China Equity FoF | FoFs (Overseas) FoFs (Overseas) | Growth Growth | 4,168.37 4,168.37 | 12.11 12.11 | 7.84 7.84 | 44.17 44.17 | 19.31 19.31 | 0.40 0.40 | 1.00 1.00 | |
| 16. | ICICI Pru US Bluechip Equity Fund ICICI Pru US Bluechip Equity Fund | Thematic Fund - Global Thematic Fund - Global | Growth Growth | 3,698.71 3,698.71 | 82.65 82.65 | 1.21 1.21 | 18.43 18.43 | 13.95 13.95 | 0.97 0.97 | 1.00 1.00 | |
| 17. | ICICI Pru NASDAQ 100 Index Fund ICICI Pru NASDAQ 100 Index Fund | Index Fund Index Fund | Growth Growth | 3,629.63 3,629.63 | 23.62 23.62 | 18.14 18.14 | 44.23 44.23 | 31.46 31.46 | 0.43 0.43 | - - | |
| 18. | Edelweiss Greater China Equity Off-shore Fund Edelweiss Greater China Equity Off-shore Fund | FoFs (Overseas) FoFs (Overseas) | Growth Growth | 3,250.54 3,250.54 | 72.72 72.72 | 15.67 15.67 | 56.12 56.12 | 21.94 21.94 | 1.49 1.49 | 1.00 1.00 | |
| 19. | Edelweiss Gold and Silver ETF FoF Edelweiss Gold and Silver ETF FoF | FoFs - Gold FoFs - Gold | Growth Growth | 3,212.45 3,212.45 | 33.71 33.71 | -10.99 -10.99 | 81.73 81.73 | 39.64 39.64 | 0.20 0.20 | 0.10 0.10 | |
| 20. | Axis Gold Fund Axis Gold Fund | FoFs - Gold FoFs - Gold | Growth Growth | 3,092.33 3,092.33 | 45.99 45.99 | -8.71 -8.71 | 49.46 49.46 | 32.88 32.88 | 0.18 0.18 | 1.00 1.00 |
Selection criteria:Filters: Volatility - Low, Expense Ratio - Low | AUM: Sorted from Highest to Lowest
What is SWP in Mutual Funds?
SWP full form is Systematic Withdrawal Plan. It is a facility where an investor withdraws a fixed amount from their mutual fund investment at regular intervals, such as monthly, quarterly, or yearly. Each withdrawal happens by redeeming some mutual fund units based on the Net Asset Value (NAV) on that day. The remaining investment continues to stay invested, allowing potential growth over time. However, returns depend on market performance and are not guaranteed.
Overview of the Top SWP in Mutual Funds
SBI Banking & Financial Services Fund
SBI Banking & Financial Services Fund is managed by SBI Mutual Fund. It invests mainly in companies from the banking, financial services, and insurance sectors. The fund focuses on capturing growth opportunities within India’s expanding financial industry.
Invesco India Midcap Fund
Invesco India Midcap Fund invests in mid-sized Indian companies with growth potential. Managed by Invesco Mutual Fund, it focuses on businesses that are established but still growing, offering a balance between risk and return compared to large-cap and small-cap funds.
Nippon India Multi Asset Allocation Fund
Nippon India Multi Asset Allocation Fund spreads its investments across equity, debt, and other asset classes like commodities. This helps balance risk and stability by diversifying across multiple investment types within a single fund.
SBI Gold
SBI Gold Fund, managed by SBI Mutual Fund, invests in gold and gold-related instruments. It allows investors to gain exposure to gold as an asset class without holding physical gold, offering a convenient way to track gold prices.
HDFC Defence Fund
HDFC Defence Fund is a thematic fund managed by HDFC Mutual Fund. It focuses on companies engaged in defence and related industries. The fund aims to benefit from the sector’s long-term growth driven by government initiatives and increased defence spending.
How to Set Up an SWP in Mutual Funds?
An SWP is not a separate mutual fund scheme. It is a withdrawal facility that lets you redeem a fixed amount from an existing mutual fund investment at regular intervals. Here’s how you can review mutual funds and set up an SWP:
- Visit the Tickertape Mutual Fund Screener.
- Select the mutual fund category based on your risk profile, such as debt, hybrid, or equity.
- Compare funds using filters such as returns, expense ratio, AUM, risk, volatility, and fund category.
- After choosing a fund that aligns with your investment needs, invest through lumpsum or SIP, where available.
- Once you have an existing investment corpus, set up the SWP facility through the AMC, broker, or investment platform where the fund is held.
- Select the withdrawal amount, frequency, and start date based on your cash flow needs.
With Tickertape Mutual Fund Screener, you can compare mutual funds using 50+ filters before investing. You can also connect your portfolio to analyse your holdings, track performance, and review whether your investments align with your financial goals.
Taxation of SWP in Mutual Funds
In a Systematic Withdrawal Plan (SWP), each withdrawal is treated as the sale of mutual fund units. The tax on these withdrawals depends on the type of mutual fund, equity or debt, and how long the units were held before being sold
| Type of Fund | Capital Gains Type | Holding Period | Tax Rate / Description |
|---|---|---|---|
| Equity Mutual Funds | Short-Term Capital Gains (STCG) | Less than 12 months | Taxed at 15%. |
| Long-Term Capital Gains (LTCG) | 12 months or more | Taxed at 10% on gains exceeding ₹1 lakh in a financial year. | |
| Debt Mutual Funds | Short-Term Capital Gains (STCG) | Less than 36 months (for units purchased before 1 April 2023) All holding periods (for units purchased on or after 1 April 2023) | Taxed as per the investor’s income tax slab rate. |
| Long-Term Capital Gains (LTCG) | More than 36 months (for units purchased before 1 April 2023) | Taxed at 12.5% without indexation for redemptions after 23 July 2024, or 20% with indexation for earlier cases. |
Types of Systematic Withdrawal Plans (SWP) in Mutual Funds
Fixed Withdrawal SWP
In this type, a fixed amount is withdrawn from the mutual fund at regular intervals, such as monthly, quarterly, or annually. The number of units redeemed depends on the fund’s Net Asset Value (NAV) on the withdrawal date.
Appreciation Withdrawal SWP
Here, only the profit or appreciation earned on the investment is withdrawn at regular intervals. The principal amount remains invested, allowing it to continue generating returns.
Capital Withdrawal SWP
This plan allows the investor to withdraw a specific amount that includes both the capital and the gains. Over time, the capital reduces as part of it is redeemed during each withdrawal.
Customised SWP
Some fund houses offer flexible or customised SWPs, where the investor can choose variable withdrawal amounts or change the withdrawal frequency as per their needs.
Advantages of Investing in SWP in Mutual Funds
Regular Cash Flow
Flexible Withdrawal Structure
Remaining Corpus Stays Invested
Useful for Retirement Income
Tax Applies Only on Gains
Risks of Investing in SWP in Mutual Funds
Corpus Depletion Risk
Market Risk
Sequence of Returns Risk
No Guaranteed Income
Receive real-time market alerts for timely decisions
Monitor your portfolio from the palm of your hands
Watchlist stocks and mutual funds to stay updated
Factors to Consider Before Investing in SWP in Mutual Funds
Withdrawal Amount
Fund Category
Withdrawal Frequency
Market Conditions
Tax Treatment
Exit Load
Conclusion
A Systematic Withdrawal Plan (SWP) helps investors receive regular income from their mutual fund investments while keeping the remaining amount invested. The outcome of an SWP depends on factors like the type of fund, withdrawal amount, market performance, and tax rules. Although it provides flexibility and steady cash flow, it also carries market-related risks that can affect returns. Investors should do thorough research, understand how SWPs work, and check the fund’s performance before starting one.
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Frequently Asked Questions About SWP in Mutual Funds
What is SWP in mutual funds?
A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount from their mutual fund investment at regular intervals, monthly, quarterly, or yearly, while the remaining investment continues to stay in the fund.What are the top and best-performing SWP mutual funds in India?
As of 19th May 2026, here are the top, top, and best performing SWP mutual funds in India based on their 5Y CAGR:
- Mirae Asset NYSE FANG+ETF FoF
- Bank of India Credit Risk Fund
- Motilal Oswal Nasdaq 100 FOF
- SBI Children's Fund-Investment Plan
- LIC MF Gold ETF FoF
Disclaimer: Please note that the above SWP mutual fund list is not a recommendation. Please do your own research or consult your financial advisor before investing.How to set up an SWP in mutual funds?
Investors can set up an SWP after investing in a mutual fund scheme. They need to select the withdrawal amount, frequency, and start date through the AMC, broker, or investment platform where the fund is held. The fund house then redeems units at regular intervals and credits the amount to the registered bank account.What is the 4% rule of SWP?
The 4% rule suggests withdrawing around 4% of your total investment every year to maintain a regular income without depleting the capital too quickly. It is a general guideline, not a fixed rule.Is it good to do SWP in mutual funds?
SWP in mutual funds can be useful for investors who want regular cash flow from an existing corpus. However, SWP does not provide a guaranteed income. Withdrawals happen by redeeming mutual fund units, so the corpus can be reduced if withdrawals are higher than fund returns or if markets fall.Disclaimer: This is for educational purposes only and should not be treated as investment advice. Investors should consult a financial advisor before setting up an SWP.
Is SWP better than FD?
SWPs and Fixed Deposits (FDs) work differently. SWPs provide market-linked returns and flexibility, while FDs offer fixed interest and capital protection. The choice depends on individual preferences and risk tolerance.Is SWP taxable?
No, SWP withdrawals are not tax-free. Each withdrawal is treated as a redemption of mutual fund units and taxed in accordance with the applicable capital gains tax rules for equity or debt funds.Can I stop my SWP anytime?
Yes, investors can modify, pause, or stop their SWP at any time without penalties. This flexibility helps manage withdrawals based on changing financial needs.What are the risks of an SWP?
SWPs face risks like market fluctuations, capital depletion, and inflation, reducing purchasing power. Timing of withdrawals during market downturns can also affect returns.Do SWPs guarantee returns?
No, SWPs do not guarantee fixed returns. The withdrawn amount depends on the mutual fund’s performance and market conditions at the time of redemption.How to invest in SWP?
Investors can invest in SWP by first choosing a mutual fund scheme and building an investment corpus through a lump sum or SIP. After that, they can set up a Systematic Withdrawal Plan through the AMC, broker, or investment platform by selecting the withdrawal amount, frequency, and start date. The fund house then redeems units at regular intervals and credits the amount to the registered bank account.
