How to Invest & Withdraw
SWP — Systematic Withdrawal Plan
Regular income from your mutual fund corpus.
Updated 30 September 2026 · SEBI rules as of 2026
Frequency
Monthly / quarterly
How to Invest & WithdrawOverview
An SWP redeems a fixed amount at regular intervals, useful for retirees seeking monthly income. Only the capital-gain portion of each withdrawal is taxed, which can make SWP more tax-efficient than IDCW.
| Particular | Details |
|---|---|
| Frequency | Monthly / quarterly |
| Tax | Only gains in each redemption |
| Risk | Withdrawing too much can deplete corpus |
Sustainable withdrawal
- Keep withdrawal rate below expected long-term return
- Hold 2–3 years of withdrawals in debt/hybrid funds
- Review annually
Plan your investment
Frequently asked questions
SWP or IDCW?
SWP gives predictable cash flow and taxes only gains; IDCW is fully taxed at slab and is not guaranteed.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Information is educational and may change with SEBI / tax rules — verify with the AMC, AMFI or SEBI. FinancePortal is not an investment adviser.