Aditya Birla SWP Calculator

Planning for a steady income stream, especially during retirement, is a crucial aspect of financial planning. A Systematic Withdrawal Plan (SWP) can be a valuable tool in achieving this goal. Understanding how an SWP works, and utilizing tools like the SWP calculator Aditya Birla offers, is key to a comfortable financial future. This article will explain the benefits of SWPs and guide you on how to effectively use an SWP calculator Aditya Birla to plan your financial goals.

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SWP Calculator
Total Investment
Withdrawal per month
Expected annual returns(p.a.)
%
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Time period
Years
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Your total Investment
₹5,00,000
Total amount withdrawn
₹6,00,000
Final value
5,218
View plans

What is an SWP Calculator Aditya Birla?

An SWP calculator Aditya Birla is a user-friendly online tool provided by Aditya Birla Sun Life Mutual Fund. It helps you estimate the potential returns and income you can generate through a SWP. By inputting key details, you can project how your investment might grow (or deplete) and how much you can withdraw regularly without jeopardizing your principal amount. It's a powerful tool for visualizing your financial future.

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹2,773

NAV

75.93

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.08 17.63 16.59 %

Instant tax receipt
AUM (Cr)

₹36,263

NAV

77.67

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.5 16.13 15.9 %

Instant tax receipt
AUM (Cr)

₹3,330

NAV

70.33

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.96 17.09 15.75 %

Instant tax receipt
AUM (Cr)

₹446

NAV

71.07

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.12 15.09 15.68 %

Instant tax receipt
AUM (Cr)

₹4,789

NAV

71.01

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.18 16.13 15.36 %

Instant tax receipt
AUM (Cr)

₹237

NAV

50.71

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.63 16.01 15.06 %

Instant tax receipt
AUM (Cr)

₹5,680

NAV

80.93

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.21 14.43 14.85 %

Instant tax receipt
AUM (Cr)

₹121

NAV

58.23

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.35 15.98 14.8 %

Instant tax receipt
AUM (Cr)

₹2,208

NAV

68.22

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.5 13.48 14.02 %

Instant tax receipt
AUM (Cr)

₹12,943

NAV

84.02

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.04 13.6 14.01 %

Instant tax receipt
AUM (Cr)

₹2,773

NAV

75.93

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.08 17.63 16.59 %

AUM (Cr)

₹3,330

NAV

70.33

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.96 17.09 15.75 %

AUM (Cr)

₹446

NAV

71.07

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.12 15.09 15.68 %

AUM (Cr)

₹4,789

NAV

71.01

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.18 16.13 15.36 %

AUM (Cr)

₹237

NAV

50.71

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.63 16.01 15.06 %

AUM (Cr)

₹121

NAV

58.23

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.35 15.98 14.8 %

AUM (Cr)

₹2,208

NAV

68.22

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.5 13.48 14.02 %

AUM (Cr)

₹12,943

NAV

84.02

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.04 13.6 14.01 %

AUM (Cr)

₹1,031

NAV

46.61

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.81 14.09 13.85 %

AUM (Cr)

₹8,120

NAV

53.02

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.98 13.56 13.7 %

AUM (Cr)

₹36,263

NAV

77.67

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.5 16.13 15.9 %

AUM (Cr)

₹5,680

NAV

80.93

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.21 14.43 14.85 %

AUM (Cr)

₹9,815

NAV

64.7

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29 23.3 21.44 %

AUM (Cr)

₹12,246

NAV

114.69

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29.43 23.7 18.4 %

AUM (Cr)

₹1,053

NAV

75.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.66 16.01 15.96 %

AUM (Cr)

₹13,777

NAV

71.38

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.84 14.88 14.5 %

AUM (Cr)

₹1,137

NAV

56.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.72 14.83 13.92 %

AUM (Cr)

₹3,622

NAV

61.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.52 14.66 13.78 %

AUM (Cr)

₹541

NAV

58.23

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.16 13.01 12.4 %

AUM (Cr)

₹258

NAV

28.76

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.53 10.59 11.43 %

AUM (Cr)

₹810

NAV

41.07

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.83 7.28 7.65 %

AUM (Cr)

₹512

NAV

38.67

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.61 7.4 7.44 %

AUM (Cr)

₹179

NAV

35.13

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.42 6.85 7.26 %

AUM (Cr)

₹76

NAV

41.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.58 6.88 7.1 %

AUM (Cr)

₹181

NAV

47.27

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.79 6.46 7.1 %

AUM (Cr)

₹120

NAV

30.02

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6 6.88 7.06 %

AUM (Cr)

₹93

NAV

39.18

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.39 6.88 7.01 %

AUM (Cr)

₹1,022

NAV

47.1

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.95 6.71 6.94 %

AUM (Cr)

₹6,870

NAV

32.48

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.01 6.47 6.94 %

AUM (Cr)

₹935

NAV

102.01

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.64 17.05 16.25 %

AUM (Cr)

₹363

NAV

48.82

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.49 11.39 11.23 %

AUM (Cr)

₹5,378

NAV

40.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.49 10.73 11.01 %

AUM (Cr)

₹64

NAV

61.61

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.03 10.03 10.65 %

AUM (Cr)

₹478

NAV

105.09

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.03 10.25 10.62 %

AUM (Cr)

₹276

NAV

32.24

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.56 10.26 10.49 %

AUM (Cr)

₹22,084

NAV

74.3

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.67 10.17 10.46 %

AUM (Cr)

₹833

NAV

40.3

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.93 10.67 10.41 %

AUM (Cr)

₹7,213

NAV

111.58

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.31 10.27 10.31 %

AUM (Cr)

₹18

NAV

33.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.8 9.85 10.25 %

AUM (Cr)

₹1,309

NAV

80.64

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.94 14.56 13.98 %

AUM (Cr)

₹7,449

NAV

158.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.39 14.66 13.73 %

AUM (Cr)

₹3,075

NAV

69.55

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.52 13.99 13.26 %

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How Can an Aditya Birla SWP Calculator Help You?

An SWP calculator Aditya Birla offers several key benefits:

  • Estimation: This online tool helps you estimate potential returns and withdrawal amounts from your SWP investments with Aditya Birla Sun Life Mutual Fund.

  • Factors Considered: The SWP calculator Aditya Birla takes into account your investment amount, expected rate of return, and withdrawal frequency to project your future cash flow.

  • Visualization: It allows you to visualize how your investment might grow (or deplete) over time, giving you a clearer picture of your financial future.

  • Scenario Analysis: You can experiment with different scenarios, adjusting variables like withdrawal amount and frequency to find the optimal strategy that aligns with your financial goals.

  • Informed Decision Making: By providing clear projections, the SWP calculator Aditya Birla empowers you to make informed decisions about your investment strategy.

Example of a Systematic Withdrawal Plan

Let's explain how SWP works.

Suppose you invest ₹10,00,000 in an Aditya Birla Sun Life mutual fund and decide to start an SWP. You choose to withdraw ₹5,000 monthly. If your investment earns an average annual return of 8%, the SWP will allow you to receive a consistent monthly income while your principal continues to grow (or decrease, depending on market conditions). Over time, you will receive a steady stream of income. This is a simplified example, and the actual returns can vary based on market fluctuations. The SWP calculator Aditya Birla helps you model such scenarios with greater precision.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
11.64% 12.92%
12.86%
View Plan
Opportunities Fund HDFC Life
Rating
19.5% 16.13%
15.9%
View Plan
High Growth Fund Axis Max Life
Rating
29.43% 23.7%
18.4%
View Plan
US Growth Fund ICICI Prudential Life
Rating
15.25% -
18.03%
View Plan
Multi Cap Fund Tata AIA Life
Rating
29% 23.3%
21.44%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
15.21% 14.43%
14.85%
View Plan
Multiplier Birla Sun Life
Rating
19.5% 16.65%
15.9%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
31.41% 24.68%
18.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
11.39% 11.75%
11.88%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
14.54% -
14.6%
View Plan
Fund rating powered by
Last updated: Jan 2026
Compare more funds

Fund Name AUM Return 3 Years Return 5 Years Return 10 Years Minimum Investment Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth ₹822.00 Crs 35.31% N/A N/A ₹500 35.07%
Bandhan Small Cap Fund Regular-Growth ₹14,062.19 Crs 29.34% 30.26% N/A ₹1,000 31.59%
Motilal Oswal Midcap Fund Regular-Growth ₹33,608.53 Crs 25.97% 33.24% 17.66% ₹500 22.31%
ICICI Prudential Infrastructure Fund-Growth ₹7,941.20 Crs 28.79% 37.23% 17.14% ₹5,000 15.97%
Canara Robeco Large Cap Fund Regular-Growth ₹16,406.92 Crs 16.08% 17.34% 13.87% ₹100 12.99%
Mirae Asset Large Cap Fund Direct- Growth ₹39,975.32 Crs 14.85% 17.48% 14.46% ₹5,000 16.26%
Kotak Midcap Fund Regular-Growth ₹57,375.20 Crs 22.42% 27.51% 18.07% ₹100 15.26%
SBI Small Cap Fund-Growth ₹35,562.96 Crs 13.89% 23.99% 18.17% ₹5,000 19.25%
SBI Gold ETF ₹8,810.86 Crs 31.81% 17.85% 15.14% ₹5,000 12.57%

Updated as of Jan 2026

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

How to Use an SWP Calculator Aditya Birla?

While the specifics might vary slightly between calculators, the general process for using an SWP calculator Aditya Birla is typically as follows:

  • Access the Calculator: Visit the Policybazaar’s Aditya Birla SWP calculator on this page.

  • Enter Key Details:

    • Amount Invested: The total initial investment.

    • Expected Rate of Return: The estimated annual return on your investment. Be realistic with this figure.

    • Withdrawal Amount/Frequency: The sum you wish to withdraw periodically (monthly, quarterly, annually, etc.).

  • Click on “Calculate”: Once all details are filled in, click the Calculate button.

  • Review Results: The SWP calculator will display:

    • Projected future value of your investment.

    • Total withdrawals over the investment period.

    • Other relevant information depending on the calculator.

Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow

Benefits of Using an SWP Calculator Aditya Birla

  • Financial Planning: It helps you plan your retirement income or any other long-term financial goal by providing an estimate of your future cash flow.

  • Scenario Analysis: You can experiment with different investment amounts, rates of return, and withdrawal frequencies to find the optimal SWP strategy that suits your needs.

  • Informed Decision Making: By providing you with clear projections, the SWP calculator Aditya Birla empowers you to make informed decisions about your investment strategy.

  • Easy to Use: SWP Calculators are generally user-friendly and require no specialized financial knowledge.

FAQs

  • Is the estimated return guaranteed?

    No, the estimated return is not guaranteed. Market conditions can significantly impact actual returns. Treat the calculator's results as projections, not promises.
  • Can I adjust my withdrawals later?

    In most cases, yes. However, it's essential to check with Aditya Birla Sun Life Mutual Fund regarding the specific terms and conditions of their SWP plans.

SIP Hub

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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