Axis SWP Plan
Systematic Withdrawal Plan (SWP) from Axis Mutual Funds allows investors
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SIP Plan Benefits
Start SIP with as low as ₹1000
No hidden charges
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax¶
Disciplined & worry-free investing
What is the Axis SWP Plan?
Axis Mutual Fund offers Systematic Withdrawal Plans (SWPs) as a tool for investors seeking regular income from their mutual fund investments. Axis SWP Plan lets you withdraw a fixed amount from your Axis Mutual Fund investment at regular intervals, like monthly, quarterly, or annually. Your remaining investment stays invested and can continue to grow.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
22.19% |
|
| Tata AIA |
30.96% |
22.84% |
|
| Bajaj Allianz |
23.63% |
13.87% |
|
| HDFC Standard |
25.19% |
15.94% |
|
| Canara HSBC Oriental Bank |
19.43% |
11.22% |
|
| Bharti AXA |
23.07% |
15.89% |
|
| Birla Sun Life |
26.07% |
15.44% |
|
| ICICI Prudential |
23.04% |
14.48% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24.23% |
17.63% |
|
Fund rating powered by
Last updated: Jun 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
Example of Axis SWP Plan
Let us consider an example where an investor invests ₹50 lakhs in an Axis Mutual Fund scheme with an average annual return of 10%. If the investor sets up an SWP to withdraw ₹20,000 monthly, this plan would provide a steady income while allowing the remaining investment to grow.
| Month |
NAV |
Withdrawal Amount (₹) |
Units Redeemed |
Units Left |
Remaining Fund Value (₹) |
| January |
500 |
20,000 |
40 |
960 |
480,000 |
| February |
510 |
20,000 |
39 |
921 |
470,310 |
| March |
520 |
20,000 |
38 |
883 |
459,560 |
This example illustrates how an SWP helps maintain a consistent income flow while managing market volatility.
Your total Investment
₹5,00,000
Total amount withdrawn
₹6,00,000
Benefits of Axis SWP Plans
The key advantages offered by the Axis Bank SWP Plans are as follows:
-
Regular Income:
Provides a steady income stream, ideal for retirees or those needing regular financial support.
-
Flexibility:
Offers the flexibility to adjust withdrawal amounts based on changing financial needs.
-
Rupee Cost Averaging:
Helps mitigate market volatility by redeeming units at different prices, thus averaging out returns over time.
-
Liquidity:
Allows easy access to funds when needed.
Tax Implications of Axis Bank SWP Plans in 2025
| Type of Fund |
Holding Period |
Type of Gain |
Tax Rate (2025) |
| Equity Mutual Funds |
More than 12 months |
Long-term Capital Gain (LTCG) |
12.5% on gains above ₹1.25 lakh |
| Less than 12 months |
Short-term Capital Gain (STCG) |
15% |
| Debt Mutual Funds |
Purchased after April 1, 2023 |
Short-term Capital Gain (STCG) |
As per investor’s income slab |
| Purchased before April 1, 2023 (Held for 3+ years) |
Long-term Capital Gain (LTCG) |
20% with indexation |
| TDS |
Not applicable |
No tax deducted at source |
- |
| Tax on Withdrawals |
Only capital gains taxed |
- |
- |
Axis SWP Calculator
The Axis SWP Calculator is a helpful tool for planning and managing regular withdrawals from Axis Mutual Fund investments. It makes complex calculations easy by considering factors like your total investment, monthly withdrawal amount, expected return rate, and investment duration. With this calculator, you can check if your withdrawals are sustainable, adjust the amount or period if needed, and ensure your funds last longer.
Steps to Start Axis Bank SWP Plans in 2025
-
Choose an Axis Mutual Fund Scheme –
Select a suitable Axis Bank Mutual Fund for your investment, based on your risk and return goals.
-
Invest Lump Sum Amount –
Make a one-time investment in the chosen Axis Mutual Fund.
-
Set Withdrawal Amount & Frequency –
Decide how much you want to withdraw and how often (monthly, quarterly, etc.).
-
Submit SWP Request to Axis Mutual Fund –
Fill and submit the Axis Bank SWP form online or offline.
-
Track & Review Regularly –
Monitor your withdrawals and fund performance to adjust if needed.
Benefits of Investing in HDFC SWP Plans
The key advantages offered by the HDFC Bank SWP Plans are listed below:
-
Offers regular income, making it suitable for retirees and those needing steady cash flow.
-
Provides flexibility to choose withdrawal amount and frequency as per personal needs.
-
Keeps the remaining money invested, giving chances for long-term capital growth.
-
Works well with both debt and equity funds, ensuring tax efficiency and balanced returns.
-
Easy to manage through HDFC Mutual Fund’s online platform, allowing hassle-free setup and tracking.
Common Mistakes to Avoid in Axis Bank SWP Plans
-
Choosing Very High-Risk Funds for SWP:
Avoid starting SWP from highly volatile equity funds if you need steady income. Balanced or debt-oriented Axis Mutual Funds are better for regular withdrawals.
-
Ignoring Tax Rules:
Always check if your withdrawals will attract Short-Term Capital Gains (STCG) or Long-Term Capital Gains (LTCG) tax based on your holding period.
-
Withdrawing Too Much Too Soon:
Keep your withdrawals reasonable, ideally 4-6% of the investment per year, to avoid exhausting your money too quickly.
-
Not Reviewing Your Plan:
Review your Axis Bank Mutual Fund’s performance at least once a year and adjust your SWP if needed.
Conclusion
Axis Bank SWP Plans offer a reliable way to generate regular income from mutual fund investments while allowing the remaining corpus to grow. By understanding the benefits, types, and tax implications of SWP, investors can make informed decisions about their financial and retirement planning. Choosing the right Axis Mutual Fund is crucial for maximizing returns and ensuring a stable income stream.
FAQs
-
Who should invest in Axis Bank SWP Plan?
Axis SWP Plan is suitable for retirees, investors needing regular income, and those looking for a flexible way to manage their mutual fund withdrawals.
-
How can I set up Axis SWP Plan in 2025?
You can set up an Axis SWP Plan by choosing an Axis Mutual Fund scheme, investing a lump sum, selecting withdrawal amount and frequency, and submitting an SWP request online or offline.
-
What are the tax rules for Axis Bank SWP Plan in 2025?
Axis SWP Plan withdrawals are taxed based on fund type and holding period — equity funds above 12 months attract 12.5% LTCG tax (beyond ₹1.25 lakh gains), and debt funds follow your income tax slab.
-
Is Axis SWP Plan flexible?
Yes, Axis SWP Plan offers flexibility to change withdrawal amounts, switch schemes, or even stop the plan anytime based on your needs.
-
Which Axis Mutual Funds are best for Axis Bank SWP Plan in 2025?
Balanced funds, hybrid funds, and low-risk debt funds from Axis Mutual Fund are better choices for regular withdrawals under Axis SWP Plan.
-
How does Axis SWP Calculator help?
Axis Bank SWP Calculator helps you plan withdrawals, check how long your money will last, and adjust your withdrawal amount or period to match your goals.
-
Is Axis SWP Plan better than fixed deposits?
Axis Bank SWP Plan is often more tax-efficient than fixed deposits because only capital gains are taxed, not the entire withdrawal amount.
