HDFC SWP Plan

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.

Best HDFC SWP Plans in Mutual Funds 2025

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Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

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Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹22.4 L

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I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

12.61%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.59%

Multi Cap Fund

14.53%

Accelerator Mid-Cap Fund II

15.97%

Multiplier

14.37%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.83%

Equity II Fund

13.87%

US Equity Fund

14.72%

Growth Opportunities Plus Fund

11.61%

Equity Top 250 Fund

13.74%

Future Apex Fund

11.47%

Pension Dynamic Equity Fund

14.02%

Accelerator Fund

Details of Top 5 HDFC SWP Plans in Mutual Funds 2025

1. HDFC Small Cap Fund Regular - Growth

   Parameters	Details
   Fund Name	HDFC Small Cap Fund Regular-Growth
   NAV	₹ 144.20 (as on 4th November, 2025)
   AUM	₹36,353.10 Crs
   Investment Objective	The scheme seeks to provide long-term capital appreciation /income by investing predominantly in Small-Cap companies.
   Launch Date	3rd April, 2008
   Benchmark Index	457
   Fund Managers	Chirag Setalvad Dhruv Muchhal

2. HDFC Infrastructure Fund Regular - Growth

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 48.82 (as on 4th November, 2025)
   AUM	₹2,539.90 Crs
   Investment Objective	The scheme aims to invest predominantly in a diversified portfolio of equity and equity related securities of companies which are either engaged in or expected to benefit from the growth and development of infrastructure. The scheme may also invest upto 35% of the fund in non-infrastructure related companies. The scheme shall invest across all market capitalization.
   Launch Date	10th March, 2008
   Benchmark Index	365
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal

3. HDFC Flexi Cap Fund Regular - Growth

   Parameters	Details
   Fund Name	HDFC Flexi Cap Fund Regular-Growth
   NAV	₹ 2,062.42 (as on 4th November, 2025)
   AUM	₹80,642.30 Crs
   Investment Objective	The scheme seeks to generate capital appreciation / income from a portfolio, predominantly invested in equity & equity related instruments.
   Launch Date	1st January, 1995
   Benchmark Index	306
   Fund Managers	Roshi Jain Dhruv Muchhal

4. HDFC Retirement Savings Fund Equity Plan Regular - Growth

   Parameters	Details
   Fund Name	HDFC Retirement Savings Fund Equity Plan Regular-Growth
   NAV	₹ 51.50 (as on 4th November, 2025)
   AUM	₹6,611.80 Crs
   Investment Objective	The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.
   Launch Date	25th February, 2016
   Benchmark Index	306
   Fund Managers	Arun Agarwal Nandita Menezes Shobhit Mehrotra Srinivasan Ramamurthy Dhruv Muchhal

5. HDFC Large and Mid Cap Fund Regular - Growth

   Parameters	Details
   Fund Name	HDFC Large and Mid Cap Fund Regular- Growth
   NAV	₹ 350.70 (as on 4th November, 2025)
   AUM	₹26,406.25 Crs
   Investment Objective	The scheme seeks to generate long term capital appreciation/income from a portfolio, predominantly invested in equity and equity related instruments.
   Launch Date	18th February, 1994
   Benchmark Index	384
   Fund Managers	Gopal Agrawal Dhruv Muchhal

6. HDFC ELSS Tax Saver Fund Regular - Growth

   Parameters	Details
   Fund Name	HDFC ELSS Tax Saver Fund Regular-Growth
   NAV	₹ 1,452.44 (as on 4th November, 2025)
   AUM	₹16,579.03 Crs
   Investment Objective	The scheme seeks to generate capital appreciation / income from a portfolio, comprising predominantly of equity & equity related instruments.
   Launch Date	31st March, 1996
   Benchmark Index	306
   Fund Managers	Roshi Jain Dhruv Muchhal

7. HDFC Balanced Advantage Fund Regular - Growth

   Parameters	Details
   Fund Name	HDFC Balanced Advantage Fund Regular-Growth
   NAV	₹ 530.45 (as on 4th November, 2025)
   AUM	₹101,772.60 Crs
   Investment Objective	The Scheme seeks to provide long term capital appreciation / income from a dynamic mix of equity and debt investments.
   Launch Date	11th September, 2000
   Benchmark Index	465
   Fund Managers	Anil Bamboli Gopal Agrawal Arun Agarwal Srinivasan Ramamurthy Dhruv Muchhal Nandita Menezes

8. HDFC Hybrid Equity Fund Regular - Growth

   Parameters	Details
   Fund Name	HDFC Hybrid Equity Fund Regular-Growth
   NAV	₹ 120.19 (as on 4th November, 2025)
   AUM	₹24,510.90 Crs
   Investment Objective	The Scheme seeks to generate capital appreciation / income from a portfolio, predominantly of equity & equity related instruments
   Launch Date	6th April, 2005
   Benchmark Index	412
   Fund Managers	Dhruv Muchhal Anupam Joshi Srinivasan Ramamurthy

9. HDFC Banking & Financial Services Fund Regular - Growth

   Parameters	Details
   Fund Name	HDFC Banking & Financial Services Fund Regular - Growth
   NAV	₹ 17.61 (as on 4th November, 2025)
   AUM	₹4,186.79 Crs
   Investment Objective	The scheme seeks to provide long-term capital appreciation by investing predominantly in equity and equity related instruments of companies engaged in banking and financial services.
   Launch Date	1st July, 2021
   Benchmark Index	360
   Fund Managers	Anand Laddha Dhruv Muchhal

10. HDFC Equity Savings Fund Regular - Growth

    Parameters	Details
    Fund Name	HDFC Equity Savings Fund Regular-Growth
    NAV	₹ 67.12 (as on 4th November, 2025)
    AUM	₹5,673.94 Crs
    Investment Objective	The scheme seeks to provide capital appreciation by investing in Equity & equity related instruments, Arbitrage opportunities, and Debt & money market instruments.
    Launch Date	17th September, 2004
    Benchmark Index	461
    Fund Managers	Anil Bamboli Arun Agarwal Srinivasan Ramamurthy Dhruv Muchhal Nandita Menezes

Best HDFC SWP Plans in ULIP for 2025

Details of Top 5 HDFC SWP Plans in ULIP for 2025

1. 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

2. 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.

   • Fund Objective:

     To generate superior long-term returns by investing in large-cap, mid-cap, and small-cap companies.

   • Inception Date:

     26 October 2023

   • Benchmark:

     NSE Nifty 500

   • NAV:

     ₹13.2

   • Fund Manager:

     Priyank Singhal

3. 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.

   • Fund Objective:

     To achieve long-term capital growth through diversified investments across all market caps with limited exposure to fixed income and cash for liquidity.

   • Inception Date:

     07 February 2019

   • Benchmark:

     BSE-200 TRI

   • NAV:

     ₹24.39

   • Fund Manager: ]

     Priyank Singhal

4. 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.

   • Fund Objective:

     To generate long-term capital appreciation through diversified equity investments and active asset allocation across equity and debt instruments.

   • Inception Date:

     01 Jul 2014

   • Benchmark:

     BSE-100 TRI

   • NAV:

     ₹36.58

   • Fund Manager:

     Kailash Lalwani and Priyank Singhal

5. 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.