HDFC SWP Plan

HDFC Systematic Withdrawal Plan (SWP) offers a structured way to generate regular income from investments made in HDFC Mutual Fund schemes. It allows investors to withdraw a fixed amount at regular intervals while keeping the remaining corpus invested for potential growth. This option is suitable for retirees, income seekers, and goal-based investors looking for long-term income stability with capital preservation in 2026.

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

Best HDFC SWP Plans in Mutual Funds 2026

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
HDFC Silver ETF FoF Regular - Growth	₹4,734.74 Crs	44.05%	N/A	N/A	₹100	46.62%
HDFC Gold ETF Fund of Fund Regular-Growth	₹11,766.04 Crs	32.79%	25.25%	16.39%	₹100	10.72%
HDFC Infrastructure Fund Regular-Growth	₹2,417.41 Crs	22.11%	21.54%	11.68%	₹100	8.25%
HDFC Mid Cap Fund Regular-Growth	₹94,256.90 Crs	21.79%	19.67%	17.39%	₹100	16.65%
HDFC Focused Fund Regular-Growth	₹27,136.20 Crs	16.62%	18.65%	14.18%	₹100	15.14%
HDFC Flexi Cap Fund Regular-Growth	₹100,455.32 Crs	17.44%	17.9%	15.86%	₹100	18.1%
HDFC ELSS Tax Saver Fund Regular-Growth	₹16,618.14 Crs	16.24%	16.47%	13.46%	₹500	22.2%
HDFC NIFTY Next 50 Index Fund Regular - Growth	₹2,249.05 Crs	16.69%	N/A	N/A	₹100	7.9%
HDFC Large and Mid Cap Fund Regular- Growth	₹28,580.03 Crs	15.93%	15.4%	13.82%	₹100	12.19%
HDFC Multi Cap Fund Regular - Growth	₹19,528.31 Crs	15.36%	N/A	N/A	₹100	12.38%

Details of Top 10 HDFC SWP Plans in 2026

Below are the details of the best SWP plans that are offered by HDFC:

HDFC Silver ETF FoF Regular - Growth

HDFC Silver ETF FoF Regular - Growth seeks capital appreciation by investing predominantly in units of the HDFC Silver ETF. It provides exposure to physical silver prices in domestic markets, subject to tracking errors, without the hassle of holding physical assets.

Parameters	Details
Fund Name	HDFC Silver ETF FoF Regular - Growth
NAV	₹ 36.97 (as on 31st March, 2026)
AUM	₹4,734.74 Crs
Expense Ratio	0.55%
Return 5 Years	N/A
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	28th October, 2022
Asset Allocation	Others: 1.78%, Commodities: 98.22%
Top Sectors	NA
Top Holdings	HDFC Silver ETF Regular - Growth Repo Net Payables
Fund Managers	Arun Agarwal Nandita Menezes
Fund Type	Open-ended

HDFC Gold ETF Fund of Fund Regular-Growth

HDFC Gold ETF Fund of Fund Regular-Growth aims to generate returns closely aligned with domestic gold prices by investing primarily in units of the HDFC Gold ETF. This Fund of Funds offers a convenient way to track gold performance through mutual fund units.

Parameters	Details
Fund Name	HDFC Gold ETF Fund of Fund Regular-Growth
NAV	₹ 43.43 (as on 31st March, 2026)
AUM	₹11,766.04 Crs
Expense Ratio	0.47%
Return 5 Years	25.25%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at high risk
Launch Date	1st November, 2011
Asset Allocation	Others: 1.4%, Commodities: 98.6%
Top Sectors	NA
Top Holdings	HDFC Gold ETF Repo Net Payables
Fund Managers	Arun Agarwal Nandita Menezes
Fund Type	Open-ended

HDFC Infrastructure Fund Regular-Growth

HDFC Infrastructure Fund Regular-Growth focuses on long-term capital appreciation by investing mainly in equity and equity-related securities of infrastructure and infrastructure-related companies. It targets growth from sectors like construction, energy, and transportation.

Parameters	Details
Fund Name	HDFC Infrastructure Fund Regular-Growth
NAV	₹ 41.91 (as on 31st March, 2026)
AUM	₹2,417.41 Crs
Expense Ratio	2.11%
Return 5 Years	21.54%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	10th March, 2008
Asset Allocation	Equity: 95.36%, Others: 2.07%
Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd Kalpataru Power Transmission Ltd J Kumar Infraprojects Ltd Interglobe Aviation Ltd State Bank of India NTPC Ltd Reliance Industries Ltd
Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
Fund Type	Open-ended

Start An Sip Today Watch Your Money Grow

HDFC Mid Cap Fund Regular-Growth

HDFC Mid Cap Fund Regular-Growth strives for capital appreciation over the long term through investments in mid-cap stocks and equity-related instruments. The fund selects promising mid-sized companies for high growth potential with managed diversification.

Parameters	Details
Fund Name	HDFC Mid Cap Fund Regular-Growth
NAV	₹ 180.28 (as on 31st March, 2026)
AUM	₹94,256.90 Crs
Expense Ratio	1.37%
Return 5 Years	19.67%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	25th June, 2007
Asset Allocation	Equity: 94.24%, Others: 5.76%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Repo Max Financial Services Ltd AU Small Finance Bank Ltd The Federal Bank Ltd Indian Bank Balkrishna Industries Ltd Coforge Ltd Fortis Healthcare Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd
Fund Managers	Chirag Setalvad Dhruv Muchhal
Fund Type	Open-ended

HDFC Focused Fund Regular-Growth

HDFC Focused Fund Regular-Growth pursues long-term capital growth by investing in a concentrated portfolio of up to 30 equity and equity-related securities across market caps. It emphasizes high-conviction choices for superior returns.

Parameters	Details
Fund Name	HDFC Focused Fund Regular-Growth
NAV	₹ 208.55 (as on 31st March, 2026)
AUM	₹27,136.20 Crs
Expense Ratio	1.62%
Return 5 Years	18.65%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	17th September, 2004
Asset Allocation	Equity: 89.84%, Debt: 0.19%, Others: 8.18%
Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Repo HDFC Bank Ltd ICICI Bank Ltd Axis Bank Ltd State Bank of India Kotak Mahindra Bank Ltd HCL Technologies Ltd Maruti Suzuki India Ltd Cipla Ltd SBI Life Insurance Company Ltd
Fund Managers	Roshi Jain Dhruv Muchhal
Fund Type	Open-ended

HDFC Flexi Cap Fund Regular-Growth

HDFC Flexi Cap Fund Regular-Growth targets long-term capital appreciation by flexibly investing across large, mid, and small-cap stocks based on market opportunities. Fund managers dynamically adjust allocations without rigid constraints for optimal performance.

Parameters	Details
Fund Name	HDFC Flexi Cap Fund Regular-Growth
NAV	₹ 1,817.59 (as on 31st March, 2026)
AUM	₹100,455.32 Crs
Expense Ratio	1.35%
Return 5 Years	17.9%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	1st January, 1995
Asset Allocation	Equity: 90.92%, Debt: 0.51%, Others: 8.56%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Repo ICICI Bank Ltd HDFC Bank Ltd Axis Bank Ltd State Bank of India SBI Life Insurance Company Ltd Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Cipla Ltd HCL Technologies Ltd
Fund Managers	Roshi Jain Dhruv Muchhal
Fund Type	Open-ended

HDFC ELSS Tax Saver Fund Regular-Growth

HDFC ELSS Tax Saver Fund Regular-Growth aims to achieve long-term capital growth while providing tax benefits under Section 80C with a 3-year lock-in. It invests primarily in equities to blend wealth creation with tax savings.

Parameters	Details
Fund Name	HDFC ELSS Tax Saver Fund Regular-Growth
NAV	₹ 1,252.90 (as on 31st March, 2026)
AUM	₹16,618.14 Crs
Expense Ratio	1.72%
Return 5 Years	16.47%
Minimum Investment	SIP ₹1000 & Lumpsum ₹500
Risk Level	Principal at very high risk
Launch Date	31st March, 1996
Asset Allocation	Equity: 98.3%, Debt: 0.31%, Others: 1.39%
Top Sectors	Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology Consumer Discretionary
Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Axis Bank Ltd Repo SBI Life Insurance Company Ltd Maruti Suzuki India Ltd Cipla Ltd State Bank of India Kotak Mahindra Bank Ltd Bharti Airtel Ltd
Fund Managers	Roshi Jain Dhruv Muchhal
Fund Type	Open-ended

Start Small & Build Your Wealth For A Brighter Tomorrow

HDFC NIFTY Next 50 Index Fund Regular - Growth

HDFC NIFTY Next 50 Index Fund Regular - Growth seeks to replicate the total returns of the NIFTY Next 50 Index by investing in its securities, subject to tracking errors. It offers passive exposure to India's next tier of large-cap growth stocks.

Parameters	Details
Fund Name	HDFC NIFTY Next 50 Index Fund Regular - Growth
NAV	₹ 13.98 (as on 31st March, 2026)
AUM	₹2,249.05 Crs
Expense Ratio	0.66%
Return 5 Years	N/A
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	3rd November, 2021
Asset Allocation	Equity: 100%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	Vedanta Ltd Interglobe Aviation Ltd Hindustan Aeronautics Ltd TVS Motor Company Ltd Divi's Laboratories Ltd Bharat Petroleum Corporation Ltd Cholamandalam Investment & Finance Company Ltd Britannia Industries Ltd Varun Beverages Ltd Indian Oil Corporation Ltd
Fund Managers	Arun Agarwal Nandita Menezes
Fund Type	Open-ended

HDFC Large and Mid Cap Fund Regular- Growth

HDFC Large and Mid Cap Fund Regular- Growth generates long-term capital appreciation by investing in a mix of large-cap and mid-cap equities. This blend provides stability from blue-chips alongside expansion from mid-sized firms.

Parameters	Details
Fund Name	HDFC Large and Mid Cap Fund Regular- Growth
NAV	₹ 299.39 (as on 31st March, 2026)
AUM	₹28,580.03 Crs
Expense Ratio	1.64%
Return 5 Years	15.4%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	18th February, 1994
Asset Allocation	Equity: 98.9%, Others: 0.76%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Bharti Airtel Ltd Axis Bank Ltd Infosys Ltd State Bank of India Fortis Healthcare Ltd Max Financial Services Ltd Mphasis Ltd Repo
Fund Managers	Gopal Agrawal Dhruv Muchhal
Fund Type	Open-ended

HDFC Multi Cap Fund Regular - Growth

HDFC Multi Cap Fund Regular - Growth focuses on long-term growth through diversified investments across large, mid, and small-cap stocks in a balanced manner. It aims for consistent returns by capturing opportunities across market segments.

Parameters	Details
Fund Name	HDFC Multi Cap Fund Regular - Growth
NAV	₹ 16.53 (as on 31st March, 2026)
AUM	₹19,528.31 Crs
Expense Ratio	1.69%
Return 5 Years	N/A
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	10th December, 2021
Asset Allocation	Equity: 98.3%, Others: 1.22%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	HDFC Bank Ltd Repo ICICI Bank Ltd Reliance Industries Ltd Axis Bank Ltd Britannia Industries Ltd Bharti Airtel Ltd Infosys Ltd Larsen & Toubro Ltd ITC Ltd
Fund Managers	Gopal Agrawal Dhruv Muchhal
Fund Type	Open-ended

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Top 300 Fund SBI Life Rating	8.88%	10.5%	11.55% View Plan
Opportunities Fund HDFC Life Rating	12.42%	13.27%	13.64% View Plan
High Growth Fund Axis Max Life Rating	17.85%	19.5%	17.59% View Plan
Opportunities Fund ICICI Prudential Life Rating	11.28%	11.53%	11.84% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	18.96%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	12.27%	11.54%	13.22% View Plan
Multiplier Birla Sun Life Rating	14.37%	13.37%	14.74% View Plan
Virtue II PNB MetLife Rating	12.61%	14.79%	14.23% View Plan
Equity II Fund Canara HSBC Life Rating	8.46%	8.24%	9.73% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.49%	8.34%	9.68% View Plan

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Last updated: Mar 2026

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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	₹1,748.84 Crs	28.91%	N/A	N/A	₹500	28.94%
Bandhan Small Cap Fund Regular-Growth	₹20,474.12 Crs	26.07%	20.2%	N/A	₹1,000	25.81%
Motilal Oswal Midcap Fund Regular-Growth	₹33,689.20 Crs	17.76%	19.95%	15.5%	₹500	18.83%
ICICI Prudential Infrastructure Fund-Growth	₹8,097.89 Crs	20.26%	23.55%	17.35%	₹5,000	14.94%
Canara Robeco Large Cap Fund Regular-Growth	₹17,103.62 Crs	11.03%	9.6%	12.89%	₹100	11.61%
Mirae Asset Large Cap Fund Direct- Growth	₹40,184.41 Crs	10.21%	9.85%	13.44%	₹5,000	14.5%
Kotak Midcap Fund Regular-Growth	₹61,694.40 Crs	17.96%	16.27%	17.08%	₹100	14.06%
SBI Small Cap Fund-Growth	₹34,931.73 Crs	10.62%	13.02%	16.74%	₹5,000	17.62%
SBI Gold ETF	₹24,897.99 Crs	33.28%	25.87%	16.3%	₹5,000	13.46%

Updated as of Mar 2026

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How Does the HDFC SWP Plan Work?

Let us understand the working of the HDFC SWP Plans from the following example:

Consider a retired individual aged 60 who has accumulated a lump sum after retirement and wants a predictable monthly income to manage household expenses, without locking money into fixed deposits or annuity products. Instead of withdrawing the entire amount or relying solely on interest income, the investor opts for HDFC SWP to balance income and for retirement planning.

If the HDFC SWP Plan details are as follows:

Initial Investment: ₹20 lakh
Selected Fund Type: Hybrid / Equity Savings Fund
Expected Annual Return: 8%
Monthly Withdrawal: ₹15,000
Withdrawal Frequency: Monthly

The HDFC SWP Calculator Outcome:

Annual Withdrawal: ₹1.8 lakh
Total Income in 10 Years: ₹18 lakh
Remaining Corpus After 10 Years: ₹18–19 lakh

How This Works:

Even after regular withdrawals, the remaining corpus continues to earn returns.
Over time, these returns partially offset the withdrawals, helping the investment last longer than traditional fixed-income options.

SWP Calculator

Total Investment

₹

Withdrawal per month

₹

Expected annual returns(p.a.)

Time period

Years

Your total Investment

₹5,00,000

Total amount withdrawn

₹6,00,000

Final value

5,218

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Investment Strategy for HDFC SWP Plan

Balance Risk and Growth: Prefer hybrid, equity savings, or conservative equity funds
Target Returns: 7%–10% annually for sustainable withdrawals
Tax Efficiency:
- Equity-oriented SWPs taxed under capital gains rules
- Only the gains portion is taxed, not the full withdrawal amount
Flexibility: Withdrawal amount and frequency can be modified or stopped anytime

Who Should Invest in HDFC SWP Plan?

Retirees seeking a monthly income
Freelancers and self-employed individuals who need a predictable cash flow
Investors transitioning from SIP to the income phase
Conservative investors wanting better post-tax returns than FDs

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 a 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 a 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

What is the HDFC SWP Plan?

HDFC SWP allows investors to withdraw a fixed amount periodically from HDFC Mutual Fund investments while keeping the balance invested.
Is HDFC SWP better than FD for regular income?

For long-term income, HDFC SWP can be more tax-efficient than FDs, especially for investors in higher tax slabs.
What is the minimum amount required for HDFC SWP?

Most HDFC SWP setups require a minimum investment of ₹25,000–₹50,000, depending on the fund.
What are the key things to consider before investing in the HDFC SWP Plan?
- Fund volatility
- Withdrawal sustainability
- Tax treatment
- Inflation impact
Can I stop or modify HDFC SWP anytime?

Yes, HDFC SWP offers complete flexibility to change or stop withdrawals without penalties.