What is SWP in mutual funds?

SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from your mutual fund monthly. The remaining corpus continues earning returns. Only the gains portion is taxed at LTCG rates (12.5%), making it highly tax-efficient vs FD interest.

How much SWP can I take from ₹1 crore?

From ₹1 crore at 14 percent annual return, you can sustainably withdraw ₹80,000-90,000/month indefinitely. At ₹1.5 lakh/month, the corpus depletes in ~10 years.

Is SWP taxable in India?

Only the 'gains' portion of each SWP withdrawal is taxable. If 80% of your NAV is principal, only 20% of the withdrawal is taxed. Equity funds held 1+ year: 12.5% LTCG (above ₹1.25L exemption). This is far lower than FD interest taxed at full slab rate.

SWP Calculator

Plan your Systematic Withdrawal Plan — see how long your corpus lasts when you withdraw monthly from a mutual fund.

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Quick Summary: SWP Calculator

An SWP (Systematic Withdrawal Plan) calculator helps you generate a regular income from your mutual fund investments while the remaining balance continues to grow. In FY 2026-27, SWPs are highly tax-efficient compared to FDs, as only the 'gains' portion of the withdrawal is taxed at 12.5% LTCG (after the ₹1.25L annual exemption).

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.