SWP Mutual Funds In India

The below table shows a list Of the SWP Mutual Funds In India Based on AUM, NAV and minimum SIP.

Name	AUM (Cr)	NAV (Rs)	Minimum SIP (Rs)
HDFC Balanced Advantage Fund	95,569.87	538.23	100
SBI Equity Hybrid Fund	72,428.38	305.58	500
ICICI Pru Balanced Advantage Fund	60,544.87	77.2	100
SBI Long Term Equity Fund	27,847.49	458.87	500
DSP Aggressive Hybrid Fund	10,379.44	381.04	100
Aditya Birla SL Balanced Advantage Fund	7,400.23	112.81	100
Kotak Equity Hybrid Fund	6,815.47	71.21	100
Tata Hybrid Equity Fund	4,150.45	477.5	100
Franklin India Balanced Advantage Fund	2,351.98	14.57	500
Mirae Asset Equity Savings Fund	1,374.07	20.55	99

Introduction To SWP In Mutual Fund

HDFC Balanced Advantage Fund

HDFC Balanced Advantage Fund Direct Plan-Growth is a Dynamic Asset Allocation mutual fund scheme from Hdfc Mutual Fund. This fund has been in existence for 11 years 11 months, having been launched on 01/01/2013.

HDFC Balanced Advantage Fund falls under the Balanced Advantage Fund category with an AUM of ₹95,569.87 crores, a 5-year CAGR of 20.95%, an exit load of 1%, and an expense ratio of 0.75%. The SEBI risk category is Very High.

The distribution of holdings includes 53.34% in equity, 29.91% in debt and 16.75% in others.

SBI Equity Hybrid Fund

SBI Equity Hybrid Fund Direct Plan-Growth is a Aggressive Hybrid mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 11 years 11 months, having been launched on 01/01/2013.

SBI Equity Hybrid Fund falls under the Aggressive Hybrid Fund category with an AUM of ₹72,428.38 crores, a 5-year CAGR of 14.69%, an exit load of 1%, and an expense ratio of 0.73%. The SEBI risk category is Very High.

The distribution of holdings includes 73.01% in equity, 19.26% in debt and 7.73% in others.

ICICI Pru Balanced Advantage Fund

ICICI Prudential Balanced Advantage Direct-Growth is a Dynamic Asset Allocation mutual fund scheme from Icici Prudential Mutual Fund. This fund has been in existence for 11 years 11 months, having been launched on 01/01/2013.

ICICI Pru Balanced Advantage Fund falls under the Balanced Advantage Fund category with an AUM of ₹60,544.87 crores, a 5-year CAGR of 13.54%, an exit load of 1%, and an expense ratio of 0.87%. The SEBI risk category is Very High.

The distribution of holdings includes 50.31% in equity, 19.26% in debt and 30.43% in others.

SBI Long Term Equity Fund

SBI Long Term Equity Fund Direct Plan-Growth is a ELSS mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 11 years 11 months, having been launched on 01/01/2013.

SBI Long Term Equity Fund falls under the Equity Linked Savings Scheme (ELSS) category with an AUM of ₹27,847.49 crores, a 5-year CAGR of 25.36%, an exit load of 0%, and an expense ratio of 0.93%. The SEBI risk category is Very High.

The distribution of holdings includes 90.17% in equity, Nil in debt and 9.83% in others.

DSP Aggressive Hybrid Fund

DSP Aggressive Hybrid Fund Direct-Growth is a Aggressive Hybrid mutual fund scheme from Dsp Mutual Fund. This fund has been in existence for 11 years 11 months, having been launched on 01/01/2013.

DSP Aggressive Hybrid Fund falls under the Aggressive Hybrid Fund category with an AUM of ₹10,379.44 crores, a 5-year CAGR of 17.05%, an exit load of 1%, and an expense ratio of 0.73%. The SEBI risk category is Very High.

The distribution of holdings includes 68.68% in equity, 28.42% in debt and 2.9% in others.

Aditya Birla SL Balanced Advantage Fund

Aditya Birla Sun Life Balanced Advantage Fund Direct-Growth is a Dynamic Asset Allocation mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 11 years 11 months, having been launched on 01/01/2013.

Aditya Birla SL Balanced Advantage Fund falls under the Balanced Advantage Fund category with an AUM of ₹7,400.23 crores, a 5-year CAGR of 13.9%, an exit load of 0.25%, and an expense ratio of 0.72%. The SEBI risk category is Very High.

The distribution of holdings includes 42.06% in equity, 21.79% in debt and 36.15% in others.

Kotak Equity Hybrid Fund

Kotak Equity Hybrid Fund Direct-Growth is a Aggressive Hybrid mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 10 years 1 months, having been launched on 01/11/2014.

Kotak Equity Hybrid Fund falls under the Aggressive Hybrid Fund category with an AUM of ₹6,815.47 crores, a 5-year CAGR of 19.75%, an exit load of 1%, and an expense ratio of 0.45%. The SEBI risk category is Very High.

The distribution of holdings includes 70.35% in equity, 22.55% in debt and 1.10% in others.

Tata Hybrid Equity Fund

Tata Hybrid Equity Fund Direct Plan-Growth is a Aggressive Hybrid mutual fund scheme from Tata Mutual Fund. This fund has been in existence for 11 years 11 months, having been launched on 01/01/2013.

Tata Hybrid Equity Fund falls under the Aggressive Hybrid Fund category with an AUM of ₹4,150.45 crores, a 5-year CAGR of 15.46%, an exit load of 1%, and an expense ratio of 0.98%. The SEBI risk category is Very High.

The distribution of holdings includes 75.3% in equity, 22.15% in debt and 2.56% in others.

Franklin India Balanced Advantage Fund

Franklin India Balanced Advantage Fund Direct – Growth is a Dynamic Asset Allocation mutual fund scheme from Franklin Templeton Mutual Fund. This fund has been in existence for 2 years 4 months, having been launched on 16/08/2022.

Franklin India Balanced Advantage Fund falls under the Dynamic Asset Allocation Fund category with an AUM of ₹2,351.98 crores, an exit load of 1%, and an expense ratio of 0.45%. The SEBI risk category is Very High.

The distribution of holdings includes 53.78% in equity, 28.28% in debt and 17.95% in others.

Mirae Asset Equity Savings Fund

Mirae Asset Equity Savings Fund Direct – Growth is a Equity Savings mutual fund scheme from Mirae Asset Mutual Fund. This fund has been in existence for 6 years 1 months, having been launched on 26/11/2018.

Mirae Asset Equity Savings Fund falls under the Equity Savings category with an AUM of ₹1,374.07 crores, a 5-year CAGR of 12.85%, an exit load of 1%, and an expense ratio of 0.32%. The SEBI risk category is Very High.

The distribution of holdings includes 26.77% in equity, 25.92% in debt and 37.3% in others.

What Is SWP In Mutual Fund?

Systematic Withdrawal Plan (SWP) in mutual funds is a facility that allows investors to withdraw a fixed amount or number of units from their mutual fund investment at regular intervals. It provides a structured way to generate periodic income from mutual fund investments.

SWP works by automatically redeeming a specified number of units or amounts from the investor’s mutual fund holdings at predetermined intervals. This can be monthly, quarterly, or as per the investor’s preference.

SWP is particularly useful for retirees or those seeking regular income from their investments. It allows investors to benefit from potential capital appreciation while also receiving a steady stream of income.

Features Of SWP In Mutual Fund 

The main features of SWP in Mutual Funds include regular income generation, flexibility in withdrawal amount and frequency, potential for capital appreciation, tax efficiency and the ability to customize the plan according to individual needs.

1. Regular Income: SWP provides a structured way to generate periodic income from mutual fund investments, ideal for retirees or those needing regular cash flow.

2. Flexibility: Investors can choose the withdrawal amount and frequency (monthly, quarterly, etc.) based on their income needs and investment goals.

3. Capital Appreciation: While providing regular withdrawals, the remaining investment continues to potentially grow, benefiting from market appreciation.

4. Tax Efficiency: SWP can be more tax-efficient compared to interest income, as only the capital gains portion of the withdrawal is taxable.

5. Customization: Investors can adjust the withdrawal amount or frequency as per changing needs, providing adaptability to life changes.

Top And Best Performing SWP Mutual Funds In India

The table below shows the Top And best-performing SWP Mutual Funds In India based on the lowest to highest expense ratio.

Name	Expense Ratio (%)	Minimum SIP (Rs)
Mirae Asset Equity Savings Fund	0.32	99
Kotak Equity Hybrid Fund	0.45	100
Franklin India Balanced Advantage Fund	0.45	500
Aditya Birla SL Balanced Advantage Fund	0.72	100
SBI Equity Hybrid Fund	0.73	500.00
DSP Aggressive Hybrid Fund	0.73	100
HDFC Balanced Advantage Fund	0.75	100
ICICI Pru Balanced Advantage Fund	0.87	100
SBI Long Term Equity Fund	0.93	500
Tata Hybrid Equity Fund	0.98	100

Best SWP Mutual Fund In India 2024

The table below shows the Best SWP Mutual Fund In India 2024 based on the Highest 3Y CAGR.

Name	CAGR 3Y (Cr)	Minimum SIP (Rs)
SBI Long Term Equity Fund	25.87	500
HDFC Balanced Advantage Fund	23.42	100
Kotak Equity Hybrid Fund	17.67	100
DSP Aggressive Hybrid Fund	14.54	100
Tata Hybrid Equity Fund	14.21	100
ICICI Pru Balanced Advantage Fund	13.36	100
Aditya Birla SL Balanced Advantage Fund	12.85	100
SBI Equity Hybrid Fund	12.35	500
Mirae Asset Equity Savings Fund	11.1	99

Top SWP In Mutual Fund

The table below shows the Top SWP In Mutual Funds Based on exit load, i.e., the fee that the AMC charges investors when they exit or redeem their fund units.

Name	AMC	Exit Load (%)
SBI Long Term Equity Fund	SBI Funds Management Limited	0
Aditya Birla SL Balanced Advantage Fund	Aditya Birla Sun Life AMC Limited	0.25
Franklin India Balanced Advantage Fund	Franklin Templeton Asset Management (India) Private Limited	1
HDFC Balanced Advantage Fund	HDFC Asset Management Company Limited	1
Kotak Equity Hybrid Fund	Kotak Mahindra Asset Management Company Limited	1
DSP Aggressive Hybrid Fund	DSP Investment Managers Private Limited	1
Tata Hybrid Equity Fund	Tata Asset Management Private Limited	1
ICICI Pru Balanced Advantage Fund	ICICI Prudential Asset Management Company Limited	1
SBI Equity Hybrid Fund	SBI Funds Management Limited	1
Mirae Asset Equity Savings Fund	Mirae Asset Investment Managers (India) Private Limited	1

SWP In Mutual Fund Returns

The table below shows SWP In Mutual Fund Returns based on 1Y return

Name	Absolute Returns – 1Y (%)	Minimum SIP (Rs)
SBI Long Term Equity Fund	31.24	500
Kotak Equity Hybrid Fund	24.42	100
DSP Aggressive Hybrid Fund	20.18	100
HDFC Balanced Advantage Fund	18.48	100
Franklin India Balanced Advantage Fund	18.1	500
SBI Equity Hybrid Fund	16.88	500
Tata Hybrid Equity Fund	15.65	100
Aditya Birla SL Balanced Advantage Fund	15.63	100
ICICI Pru Balanced Advantage Fund	14.08	100
Mirae Asset Equity Savings Fund	13.35	99

Historical Performance Of SWP In Mutual Fund

The table below shows the Historical Performance Of SWP In Mutual Funds Based on 5Y return

Name	CAGR 5Y (Cr)	Minimum SIP (Rs)
SBI Long Term Equity Fund	25.36	500
HDFC Balanced Advantage Fund	20.95	100
Kotak Equity Hybrid Fund	19.75	100
DSP Aggressive Hybrid Fund	17.05	100
Tata Hybrid Equity Fund	15.46	100
SBI Equity Hybrid Fund	14.69	500
Aditya Birla SL Balanced Advantage Fund	13.9	100
ICICI Pru Balanced Advantage Fund	13.54	100
Mirae Asset Equity Savings Fund	12.85	99

Factors To Consider When Investing In SWP In Mutual Fund 

When investing in SWP, consider the fund’s performance, withdrawal rate, investment horizon, tax implications and income needs. These factors can significantly impact the sustainability of your withdrawals and overall investment performance.

1. Fund Performance: Choose a fund with consistent long-term performance to ensure sustainable withdrawals over time.

2. Withdrawal Rate: Set a withdrawal rate that balances your income needs with the fund’s potential returns to avoid depleting your investment too quickly.

3. Investment Horizon: Align your SWP strategy with your long-term financial goals and expected investment duration.

4. Tax Implications: Understand the tax consequences of your withdrawals, as they may impact your overall returns and income.

5. Income Needs: Assess your regular income requirements and adjust the SWP accordingly to meet your financial needs.

How To Invest In SWP Mutual Fund?

To invest in a SWP Mutual Fund, start by selecting a suitable mutual fund scheme that aligns with your investment goals and risk tolerance. Choose a fund with a good track record and consistent performance. Determine your desired withdrawal amount and frequency based on your income needs.

Open an account with Alice Blue or your preferred mutual fund platform. Complete the necessary KYC procedures and invest a lump sum amount in the chosen mutual fund scheme. Set up the SWP by specifying the withdrawal amount, frequency and start date.

Regularly monitor your investment and SWP to ensure it continues to meet your financial needs. Be prepared to adjust your withdrawal strategy if market conditions change or your income requirements shift over time.

Impact Of Market Trends On SWP In Mutual Fund

Market trends can significantly impact SWP in Mutual Funds. During bull markets, the underlying fund value may grow, potentially allowing for higher or more sustainable withdrawals. In bear markets, the fund value may decrease, which could affect the longevity of your investment if withdrawal amounts remain constant.

It’s important to regularly review and adjust your SWP strategy based on market conditions. In volatile markets, you may need to consider reducing withdrawal amounts to preserve capital or switch to funds with more stable returns.

How SWP In Mutual Funds Perform In Volatile Markets?

SWP performance in volatile markets depends on the underlying fund’s ability to weather market fluctuations. During high volatility, the fund’s value may fluctuate significantly, which can impact the sustainability of fixed withdrawals. If the market drops sharply, continued withdrawals could deplete the investment faster.

However, SWP can also benefit from rupee cost averaging in reverse during volatility. When markets are down, more units are sold to meet the fixed withdrawal amount, potentially leaving more units to appreciate when markets recover.

Benefits Of SWP In Mutual Fund

The main benefits of SWP in Mutual Funds include regular income generation, potential for capital appreciation, flexibility, tax efficiency and better management of market volatility. These features make SWP an attractive option for investors seeking steady cash flow.

1. Regular Income: SWP provides a structured way to generate periodic income from mutual fund investments, ideal for retirees or those needing regular cash flow.

2. Capital Appreciation: While providing regular withdrawals, the remaining investment continues to potentially grow, benefiting from market appreciation over time.

3. Flexibility: Investors can adjust the withdrawal amount and frequency based on their changing needs, providing adaptability to life circumstances.

4. Tax Efficiency: SWP can be more tax-efficient compared to interest income, as only the capital gains portion of the withdrawal is taxable.

5. Volatility Management: SWP can help manage market volatility through rupee cost averaging in reverse, potentially optimizing long-term returns.

Risks Of Investing In SWP In Mutual Fund

The main risks of investing in SWP in a Mutual Fund include potential capital erosion, market risk, liquidity risk, withdrawal sustainability risk and the impact of poor fund selection. Investors should be aware of these risks when implementing a SWP strategy.

1. Capital Erosion: If withdrawal rates are too high or market performance is poor, there’s a risk of depleting the investment principal over time.

2. Market Risk: Market downturns can significantly impact the fund’s value, affecting the sustainability of fixed withdrawals.

3. Liquidity Risk: In case of unexpected market events, there may be challenges in meeting large withdrawal requests.

4. Withdrawal Sustainability: There’s a risk that the chosen withdrawal rate may not be sustainable over the long term.

5. Fund Selection Risk: Poor fund selection can lead to underperformance, affecting the ability to maintain desired withdrawal levels.

Contribution Of SWP In Mutual Fund To Portfolio Diversification

SWP in Mutual Funds can contribute to portfolio diversification by allowing investors to maintain exposure to growth assets while generating regular income. It enables investors to potentially benefit from market appreciation while meeting their income needs, balancing growth and income objectives.

By choosing funds from different asset classes or sectors for SWP, investors can further enhance diversification. This strategy can help manage risk and potentially improve long-term returns while providing a steady income stream.

Who Should Invest In SWP In Mutual Fund?

SWP in Mutual Fund is suitable for investors seeking regular income from their investments, such as retirees, individuals with irregular income, or those looking to supplement their regular income. It’s also beneficial for investors who want to gradually redeem their mutual fund investments over time.

Investors should have a sizeable corpus and a long-term investment horizon to benefit from SWP. They should be comfortable with market risks and understand that the value of their investment may fluctuate. SWP is ideal for those who prefer a structured approach to generating income from their investments.

Impact Of Fund Manager Expertise On SWP In Mutual Fund Performance

Fund manager expertise significantly impacts SWP in Mutual Fund performance. A skilled manager can potentially generate better returns, which is crucial for sustaining regular withdrawals. Their ability to navigate market conditions and make informed investment decisions directly affects the fund’s performance and, consequently, the sustainability of the SWP.

Experienced managers may also better balance the fund’s liquidity needs with growth objectives, ensuring smooth execution of regular withdrawals while aiming for capital appreciation. Their expertise in risk management can help preserve capital during market downturns, which is vital for long-term SWP success.

FAQs – Best SWP In Mutual Fund

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Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change with respect to time The securities quoted are exemplary and are not recommendatory.