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Top SWP in Mutual Funds - Best Funds, Benefits & Risks

A Systematic Withdrawal Plan (SWP) can be termed as the opposite of a Systematic Investment Plan (SIP), where instead of investing your money smartly, you withdraw the same amount systematically. The main objective of SWP is to create a steady income substitute through the debt and money market.

Top SWP in Mutual Funds in 2025

SWP Mutual Funds Screener

Here's the list of top SWP in mutual fund schemes in India (2025).

Created by

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Showing 1 - 20 of 101 results

last updated at 8:00 AM IST 
NameMFs (101)↓↓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.ICICI Pru Multi-Asset Fund
ICICI Pru Multi-Asset Fund
Multi Asset Allocation Fund
Multi Asset Allocation Fund
Growth
Growth
71,900.48
71,900.48
895.00
895.00
6.11
6.11
15.78
15.78
19.75
19.75
0.69
0.69
1.00
1.00
2.SBI Multi Asset Allocation Fund
SBI Multi Asset Allocation Fund
Multi Asset Allocation Fund
Multi Asset Allocation Fund
Growth
Growth
11,306.23
11,306.23
71.51
71.51
7.76
7.76
16.07
16.07
18.28
18.28
0.62
0.62
1.00
1.00
3.Kotak Multi Asset Allocation Fund
Kotak Multi Asset Allocation Fund
Multi Asset Allocation Fund
Multi Asset Allocation Fund
Growth
Growth
9,429.18
9,429.18
15.36
15.36
9.77
9.77
15.70
15.70
-
-
0.48
0.48
1.00
1.00
4.SBI Banking & Financial Services Fund
SBI Banking & Financial Services Fund
Sectoral Fund - Banks & Financial Services
Sectoral Fund - Banks & Financial Services
Growth
Growth
9,273.44
9,273.44
50.69
50.69
8.73
8.73
17.02
17.02
20.34
20.34
0.76
0.76
0.50
0.50
5.Nippon India Multi Asset Allocation Fund
Nippon India Multi Asset Allocation Fund
Multi Asset Allocation Fund
Multi Asset Allocation Fund
Growth
Growth
8,722.27
8,722.27
25.25
25.25
6.92
6.92
16.85
16.85
20.79
20.79
0.28
0.28
1.00
1.00
6.SBI Gold
SBI Gold
FoFs - Gold
FoFs - Gold
Growth
Growth
8,456.78
8,456.78
39.27
39.27
20.98
20.98
65.96
65.96
32.30
32.30
0.10
0.10
1.00
1.00
7.HDFC Gold ETF FoF
HDFC Gold ETF FoF
FoFs - Gold
FoFs - Gold
Growth
Growth
7,092.09
7,092.09
40.18
40.18
21.09
21.09
66.07
66.07
32.38
32.38
0.18
0.18
1.00
1.00
8.Motilal Oswal Nasdaq 100 FOF
Motilal Oswal Nasdaq 100 FOF
FoFs (Overseas)
FoFs (Overseas)
Growth
Growth
6,634.95
6,634.95
49.84
49.84
15.85
15.85
28.46
28.46
34.72
34.72
0.21
0.21
1.00
1.00
9.DSP Multi Asset Allocation Fund
DSP Multi Asset Allocation Fund
Multi Asset Allocation Fund
Multi Asset Allocation Fund
Growth
Growth
4,985.07
4,985.07
15.62
15.62
9.43
9.43
19.95
19.95
-
-
0.25
0.25
1.00
1.00
10.Aditya Birla SL Multi Asset Allocation Fund
Aditya Birla SL Multi Asset Allocation Fund
Multi Asset Allocation Fund
Multi Asset Allocation Fund
Growth
Growth
4,973.93
4,973.93
16.68
16.68
7.25
7.25
15.68
15.68
-
-
0.54
0.54
1.00
1.00
11.Nippon India Gold Savings Fund
Nippon India Gold Savings Fund
FoFs - Gold
FoFs - Gold
Growth
Growth
4,545.14
4,545.14
51.38
51.38
21.14
21.14
66.01
66.01
32.22
32.22
0.13
0.13
1.00
1.00
12.Kotak Gold Fund
Kotak Gold Fund
FoFs - Gold
FoFs - Gold
Growth
Growth
4,539.90
4,539.90
51.88
51.88
20.71
20.71
65.32
65.32
32.23
32.23
0.16
0.16
1.00
1.00
13.WOC Multi Asset Allocation Fund
WOC Multi Asset Allocation Fund
Multi Asset Allocation Fund
Multi Asset Allocation Fund
Growth
Growth
4,530.34
4,530.34
15.59
15.59
5.50
5.50
17.77
17.77
-
-
0.34
0.34
1.00
1.00
14.Motilal Oswal S&P 500 Index Fund
Motilal Oswal S&P 500 Index Fund
Index Fund
Index Fund
Growth
Growth
4,091.74
4,091.74
28.46
28.46
8.86
8.86
20.88
20.88
23.51
23.51
0.61
0.61
1.00
1.00
15.UTI Transportation & Logistics Fund
UTI Transportation & Logistics Fund
Thematic Fund
Thematic Fund
Growth
Growth
4,008.33
4,008.33
340.36
340.36
4.45
4.45
16.41
16.41
25.83
25.83
0.83
0.83
1.00
1.00
16.Motilal Oswal Nifty India Defence Index Fund
Motilal Oswal Nifty India Defence Index Fund
Index Fund
Index Fund
Growth
Growth
3,892.07
3,892.07
10.23
10.23
1.70
1.70
15.63
15.63
-
-
0.44
0.44
1.00
1.00
17.Kotak US Specific Equity Passive FOF
Kotak US Specific Equity Passive FOF
FoFs (Overseas)
FoFs (Overseas)
Growth
Growth
3,882.52
3,882.52
23.44
23.44
12.06
12.06
28.46
28.46
33.68
33.68
0.24
0.24
-
-
18.Edelweiss US Technology Equity FOF
Edelweiss US Technology Equity FOF
FoFs (Overseas)
FoFs (Overseas)
Growth
Growth
3,866.30
3,866.30
34.50
34.50
9.74
9.74
22.07
22.07
36.38
36.38
1.51
1.51
1.00
1.00
19.ICICI Pru Regular Gold Savings Fund
ICICI Pru Regular Gold Savings Fund
FoFs - Gold
FoFs - Gold
Growth
Growth
3,770.12
3,770.12
41.12
41.12
20.89
20.89
66.21
66.21
32.47
32.47
0.09
0.09
1.00
1.00
20.Tata Banking & Financial Services Fund
Tata Banking & Financial Services Fund
Sectoral Fund - Banks & Financial Services
Sectoral Fund - Banks & Financial Services
Growth
Growth
3,125.23
3,125.23
52.66
52.66
8.30
8.30
15.15
15.15
17.85
17.85
0.45
0.45
0.25
0.25
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Analyse SWP in Mutual Funds Further

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Disclaimer: Please note that the above table is for informational purposes only, and is not recommendatory. Please do your own research or consult your financial advisor before investing. The data is derived from Tickertape Mutual Fund Screener and is subject to real-time updates.

Selection criteria:Filters: Volatility - Low, Expense Ratio - Low | AUM: Sorted from Highest to Lowest

What is SWP in Mutual Funds

In a Systematic Withdrawal Plan (SWP), an investor withdraws a fixed amount from their mutual fund investment at regular intervals, monthly, quarterly, or yearly. The withdrawal happens by redeeming some mutual fund units each time, based on the Net Asset Value (NAV) on that day. The remaining investment continues to stay invested, allowing potential growth over time. The 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 Invest in SWP in Mutual Funds?

Here’s how you can identify and invest in top SWPs in mutual funds with Tickertape Mutual Fund Screener -

  1. Launch Tickertape Mutual Fund Screener.
  2. Under the category, select all
  3. Sort out the mutual funds based on over 50 fundamental and technical filters.
  4. After identifying the mutual fund that aligns with your investment thesis, click on “Place Order” to invest in the mutual fund.

With Tickertape Mutual Fund Screener, you can invest via ‘lumpsum’ or start a ‘SIP’ in SWP in mutual funds. Moreover, by connecting your portfolio, you can do a deep analysis of your portfolio and assess its performance.

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

SWP provides a steady stream of income at chosen intervals, monthly, quarterly, or annually. This helps create a predictable cash flow without redeeming the entire investment at once.

Flexibility

Flexibility Investors can choose the withdrawal amount and frequency based on their needs. The plan can also be modified or stopped anytime, offering flexibility in managing funds.

Capital Continuity

While a part of the investment is withdrawn regularly, the remaining amount stays invested in the market, allowing it to continue earning potential returns.

Risks of Investing in SWP in Mutual Funds

Market Risk

SWPs are linked to mutual fund performance, which depends on market conditions. If the market falls, the fund’s Net Asset Value (NAV) may drop, leading to lower returns or even capital erosion over time.

Capital Depletion Risk

If the withdrawal amount is higher than the fund’s actual growth, the capital may be reduced faster than expected. Over time, this can exhaust the investment corpus.

Timing Risk

Withdrawals during a market downturn can result in selling units at a lower NAV. This can lock in losses and affect future growth potential.

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Factors to Consider Before Investing in SWP in Mutual Funds

Investment Objective

It’s important to understand the purpose of starting an SWP, whether it’s for regular income, retirement needs, or gradual withdrawals. The chosen mutual fund should align with the intended goal.

Fund Type and Performance

The type of mutual fund selected for SWP: equity, hybrid, or debt, affects the risk and return pattern. Reviewing the fund’s past performance, consistency, and volatility helps set expectations.

Withdrawal Amount and Frequency

Setting a realistic withdrawal amount and interval (monthly, quarterly, or annually) is key. If withdrawals are too high, the corpus may shrink quickly, especially in a weak market.

Market Conditions

SWP returns depend on market movements since withdrawals happen based on the fund’s Net Asset Value (NAV) on that day. Prolonged downturns can impact returns or deplete capital faster.

Investment Horizon

A longer investment horizon allows the remaining units in the fund to stay invested and potentially recover from short-term volatility. Short-term SWPs may not allow enough time for this.

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

  1. 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.

  2. What are the best SWPs in mutual funds?

    Here are the top SWPs in mutual funds based on their 5Y CAGR:

    1. Invesco India Midcap Fund
    2. UTI Transportation & Logistics Fund
    3. Motilal Oswal Nasdaq 100 FOF
    4. SBI Banking & Financial Services Fund
    5. Invesco India - Invesco Global Equity Income FoF

    Disclaimer: Please note that this is not a recommendation. Please do your own research or consult your financial advisor before investing.

  3. 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.

  4. Is it good to do SWP in mutual funds?

    The suitability of an SWP depends on factors like financial goals, market conditions, and fund performance. It offers regular income but also carries market-related risks.
    Disclaimer: Please note that this is not a recommendation. Please do your own research or consult your financial advisor before investing.

  5. 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.
    Disclaimer: Please note that this is not a recommendation. Please do your own research or consult your financial advisor before investing.

  6. Is SWP tax-free?

    No, SWP withdrawals are not tax-free. Each withdrawal is treated as a redemption of mutual fund units and taxed as per the applicable capital gains tax rules for equity or debt funds.
    Disclaimer: You can check the latest information about taxation on SWPs on Tickertape Mutual Fund Screener.

  7. 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.

  8. 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.

  9. 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.

    Disclaimer: Please note that historical performance does not guarantee future returns, and investors should remain vigilant and consult a financial advisor when necessary..

Disclaimer: This article is for informational purposes only. The content of the article including securities/investment products mentioned if any, should not in any manner be construed as an investment advice, recommendation, offer, solicitation to buy/hold/sell any securities/investment products. The securities quoted if any, are for illustration only and are not recommendatory. Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Please consult a SEBI-registered financial advisor before investing.