HDFC SWP Plan
HDFC Systematic Withdrawal Plan (SWP) offers a reliable way to receive
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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 HDFC SWP Plan?
SWP HDFC Plan is a smart option for regular withdrawals from your mutual fund investment. SWP means Systematic Withdrawal Plan. It allows you to withdraw a fixed amount at regular intervals, like monthly, quarterly, or yearly, from your HDFC mutual fund scheme. This helps you manage expenses while keeping your money invested. You can customise the withdrawal amount and frequency as per your needs. It is useful for retirement income or extra cash flow.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
21.07% |
|
| Tata AIA |
30.99% |
21.69% |
|
| Bajaj Allianz |
24.23% |
12.8% |
|
| HDFC Standard |
25.77% |
14.87% |
|
| Canara HSBC Oriental Bank |
17.51% |
10.29% |
|
| Bharti AXA |
23.03% |
15.02% |
|
| Birla Sun Life |
26.67% |
14.18% |
|
| ICICI Prudential |
22.68% |
13.38% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24% |
16.86% |
|
Fund rating powered by
Last updated: May 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% |
|
Best HDFC SWP Plans in Mutual Funds 2025
| Fund Name |
3-Year Returns |
5-Year Returns |
Returns Since Inception (RSI) |
AUM (in ₹ Crores) |
| HDFC Small Cap Fund |
20.80% |
25.90% |
19.10% |
₹31,230 Cr |
| HDFC Infrastructure Fund |
26.70% |
24.80% |
12.00% |
₹2,341 Cr |
| HDFC Flexi Cap Fund |
23.30% |
23.60% |
16.60% |
₹65,966 Cr |
| HDFC Retirement Savings Fund |
19.90% |
22.70% |
19.90% |
₹5,897 Cr |
| HDFC Large and Midcap Fund |
19.90% |
21.80% |
13.40% |
₹23,139 Cr |
| HDFC ELSS Tax Saver Fund |
22.30% |
21.50% |
15.00% |
₹15,413 Cr |
| HDFC Balanced Advantage Fund |
20.50% |
20.40% |
15.40% |
₹94,251 Cr |
| HDFC Hybrid Equity Fund |
12.40% |
15.50% |
14.60% |
₹23,353 Cr |
| HDFC Banking and Financial Services Fund |
4.50% |
15.20% |
12.40% |
₹3,569 Cr |
| HDFC Equity Savings Fund |
10.50% |
11.80% |
10.30% |
₹5,584 Cr |
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.57%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.58%
Growth Plus Fund
13.35%
Accelerator Fund
14.61%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.48%
Equity Top 250 Fund
13.31%
Future Apex Fund
12.32%
Opportunities Fund
14.24%
Frontline Equity Fund
15.03%
Virtue II
10.88%
Pension Dynamic Equity Fund
11.8%
Equity Fund
10.32%
Blue-Chip Equity Fund
Details of Top 5 HDFC SWP Plans in Mutual Funds 2025
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HDFC Small Cap Fund
This plan allows regular withdrawals from investments focused on smaller companies, offering income while tapping into the growth potential of the small-cap sector.
-
Fund Objective:
Seeks long-term growth by investing mainly in small-cap stocks (65%+), focusing on companies with strong growth potential and sound financials.
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Inception Date:
10 December 1999
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Benchmark:
BSE 250 Smallcap TRI
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NAV:
₹131.76
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Fund Manager:
Chirag Setalvad and Dhruv Mucchal
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HDFC Infrastructure Fund
With this plan, you can make regular withdrawals from investments in infrastructure-related sectors, helping you benefit from the growth in this area.
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Fund Objective:
Invests in infrastructure sectors like power and construction, aiming for long-term capital appreciation.
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Inception Date:
10 December 1999
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Benchmark:
BSE India Infrastructure TRI
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NAV:
₹44.21
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Fund Manager:
Srinivasan Ramamurthy and Dhruv Mucchal
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HDFC Flexi Cap Fund
This plan offers regular withdrawals from a diversified portfolio with flexible equity allocation, providing both income stability and growth potential.
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Fund Objective:
Aims for growth by investing in a mix of large, mid, and small-cap stocks, with flexible allocations based on market conditions.
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Inception Date:
10 December 1999
-
Benchmark:
Nifty 500 TRI
-
NAV:
₹1,924.79
-
Fund Manager:
Roshi Jain and Dhruv Mucchal
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HDFC Retirement Savings Fund
Designed specifically for retirees, this plan ensures a steady income stream from investments tailored to meet your post-retirement financial needs.
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Fund Objective:
Helps build retirement wealth by balancing equity and debt for long-term growth and risk management.
-
Inception Date:
10 December 1999
-
Benchmark:
Nifty 500 TRI
-
NAV:
₹51.03
-
Fund Manager:
Shobhit Mehrotra, Srinivasan Ramamurthy, and Dhruv Mucchal
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HDFC Large and Midcap Fund
This plan allows you to make regular withdrawals from a mix of large and mid-sized companies, balancing stability with the potential for growth.
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Fund Objective:
Focuses on long-term growth through a mix of large and mid-cap stocks, balancing risk and returns.
-
Inception Date:
10 December 1999
-
Benchmark:
Nifty Large Midcap 250 TRI
-
NAV:
₹308.55
-
Fund Manager:
Gopal Aggarwal and Dhruv Mucchal
Best HDFC SWP Plans in ULIP for 2025
| Fund Name |
3-Year Returns |
5-Year Returns |
Returns Since Inception |
Assets Under Management (AUM) |
| HDFC Life Discovery Fund |
16.7% |
27.4% |
23.2% |
₹7,967 Cr |
| HDFC Life Flexi Cap Fund |
– |
– |
22.9% |
₹2,302 Cr |
| HDFC Life Equity Advantage Fund |
13% |
18.6% |
15.8% |
₹925 Cr |
| HDFC Life Diversified Equity Fund |
11.1% |
10.1% |
12.9% |
₹3,398 Cr |
| HDFC Life Balanced Fund |
8.3% |
11.3% |
9.3% |
₹6,049 Cr |
| HDFC Life Blue Chip Fund |
10.1% |
14.8% |
10.4% |
₹8,351 Cr |
| HDFC Life Opportunities Fund |
14% |
18% |
13.1% |
₹35,955 Cr |
| HDFC Life Bond Fund |
5.5% |
5.2% |
6.9% |
₹449 Cr |
Details of Top 5 HDFC SWP Plans in ULIP for 2025
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HDFC Life Discovery Fund
HDFC Life Discovery Fund aims to achieve long-term capital growth by mainly investing in mid-cap companies. It focuses on stocks within the market cap range of the Nifty Midcap 100 index. The fund can also invest a part of its portfolio in stocks outside this range, along with limited exposure to fixed income instruments and cash for liquidity.
-
Fund Objective:
To achieve long-term capital growth by investing predominantly in mid-cap companies, with flexibility to invest a part in other stocks, fixed income instruments, and cash for liquidity.
-
Inception Date:
03 September 2018
-
Benchmark:
Nifty MidCap 100
-
NAV:
₹34.55
-
Fund Manager:
Nishit Dholakia
-
HDFC Life Flexi Cap Fund
HDFC Life Flexi Cap Fund aims to generate superior long-term returns by investing in companies across large-cap, mid-cap, and small-cap segments. This flexibility helps the fund capture growth opportunities across different market sizes and sectors.
-
HDFC Life Equity Advantage Fund
HDFC Life Equity Advantage Fund aims to deliver long-term capital growth by investing in a diversified portfolio of companies across large-cap, mid-cap, and small-cap segments. It also has the flexibility to invest up to 20% in fixed income instruments, money market instruments, cash, deposits, and liquid mutual funds for stability.
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HDFC Life Diversified Equity Fund
HDFC Life Diversified Equity Fund aims to generate long-term capital appreciation by investing in high-potential companies across large-cap, mid-cap, and small-cap segments. The fund also actively manages asset allocation across equities, government securities, money market instruments, and cash for balanced growth.
-
HDFC Life Balanced Fund
HDFC Life Balanced Fund aims to provide a balance between stability and growth by investing in both debt and equity securities. The debt portion offers stability, while the equity portion helps in achieving long-term capital appreciation.
-
Fund Objective:
To combine stability of debt instruments with long-term capital appreciation from equities.
-
Inception Date:
08 September 2010
-
Benchmark:
BSE-100 (60%) + CRISIL Composite Bond Fund (40%) Index
-
NAV:
₹36.32
-
Fund Manager:
Abhishek Agarwal and Pranav Parekh
HDFC SWP Calculator
HDFC SWP Calculator is a helpful tool. It calculates how much money investors can withdraw every month or year from their HDFC mutual fund investment.This calculator helps plan steady cash flow while keeping track of investment value. It also shows the impact of withdrawals on future returns, helping smart financial and retirement planning.
Benefits of Investing in HDFC SWP Plans
The key advantages offered by the Systematic Withdrawal Plan HDFC 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.
Conclusion
SWP HDFC Plan is a smart way to get regular income from your investments while keeping your money growing. It works well for retirees, freelancers, or anyone who wants monthly cash flow. HDFC Mutual Funds continue to offer flexible SWP options across equity, debt, and hybrid funds, making it a reliable choice for steady income.
FAQs
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How does HDFC SWP Plan work?
HDFC SWP Plan works by letting you withdraw a fixed amount at regular intervals like monthly, quarterly, or yearly from your mutual fund.
-
Who can invest in HDFC SWP Plan?
HDFC SWP Plan is open to all mutual fund investors. It is useful for retirees, freelancers, and anyone needing regular income.
-
What are the benefits of HDFC SWP Plan?
HDFC SWP Plan offers regular income, flexible withdrawal options, tax efficiency, and potential long-term growth by keeping money invested.
-
Can I stop or change my HDFC SWP Plan?
Yes, HDFC SWP Plan allows you to stop or change the withdrawal amount and frequency anytime based on your needs.
-
Is HDFC SWP Plan good for retirees?
Yes, HDFC SWP Plan is ideal for retirees who want regular income without withdrawing their entire investment.
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How is tax calculated in HDFC SWP Plan?
In HDFC SWP Plan, only the profit part of each withdrawal is taxed, making it more tax-efficient than withdrawing all at once.
