HDFC SWP Plan

Best HDFC SWP Plans in Mutual Funds 2025

Details of Top 5 HDFC SWP Plans in Mutual Funds 2025

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

1. HDFC Small Cap Fund Regular-Growth

   Fund Objective: Seeks long-term growth by investing mainly in small-cap stocks (65%+), focusing on companies with strong growth potential and sound financials.

   Parameters	Details
   Fund Name	HDFC Small Cap Fund Regular-Growth
   NAV	₹ 139.70 (as on 2nd January, 2026)
   AUM	₹36,353.10 Crs
   Expense Ratio	1.54%
   Return 5 Years	29.84%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	3rd April, 2008
   Asset Allocation	Equity: 89.76%, Others: 10.24%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Firstsource Solutions Ltd eClerx Services Ltd Aster DM Healthcare Ltd Bank Of Baroda Gabriel India Ltd Eris Lifesciences Ltd Fortis Healthcare Ltd Krishna Institute Of Medical Sciences Ltd Sudarshan Chemical Industries Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

2. HDFC Infrastructure Fund Regular-Growth

   Fund Objective: Invests in infrastructure sectors like power and construction, aiming for long-term capital appreciation.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 48.23 (as on 2nd January, 2026)
   AUM	₹2,539.90 Crs
   Expense Ratio	2.04%
   Return 5 Years	34.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 91.58%, Others: 5.94%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd J Kumar Infraprojects Ltd Kalpataru Power Transmission Ltd Interglobe Aviation Ltd Reliance Industries Ltd NTPC Ltd Bharti Airtel Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

   

3. HDFC Flexi Cap Fund Regular-Growth

   Fund Objective: Aims for growth by investing in a mix of large, mid, and small-cap stocks, with flexible allocations based on market conditions.

   Parameters	Details
   Fund Name	HDFC Flexi Cap Fund Regular-Growth
   NAV	₹ 2,091.01 (as on 2nd January, 2026)
   AUM	₹80,642.30 Crs
   Expense Ratio	1.37%
   Return 5 Years	28.76%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 1995
   Asset Allocation	Equity: 86.18%, Debt: 0.55%, Others: 10.78%
   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

4. HDFC Retirement Savings Fund - Hybrid Debt Plan Regular-Growth

   Fund Objective: Helps build retirement wealth by balancing equity and debt for long-term growth and risk management.

   Parameters	Details
   Fund Name	HDFC Retirement Savings Fund - Hybrid Debt Plan Regular-Growth
   NAV	₹ 21.99 (as on 2nd January, 2026)
   AUM	₹162.33 Crs
   Expense Ratio	2.14%
   Return 5 Years	8.53%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at moderately high risk
   Launch Date	26th February, 2016
   Asset Allocation	Equity: 23.31%, Debt: 42.67%, Others: 34.02%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Cash Margin Repo CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 Larsen & Toubro Ltd Tata Consultancy Services Ltd Reliance Industries Ltd MAHINDRA RURAL HOUSING FINANCE LIMITED SR AA 8.35 NCD 24SP32 FVRS10LAC TMF HOLDINGS LIMITED SR E 7.7505 NCD PERPETUAL FVRS10LAC CENTRAL GOVERNMENT LOAN 23202 GOI 16SP34 6.19 FV RS 100 CENTRAL GOVERNMENT LOAN 21658 GOI 17JU33 7.57 FV RS 100
   Fund Managers	Shobhit Mehrotra Srinivasan Ramamurthy Dhruv Muchhal Arun Agarwal Nandita Menezes
   Fund Type	Open-ended

5. HDFC Large and Mid Cap Fund Regular- Growth

   Fund Objective: Focuses on long-term growth through a mix of large and mid-cap stocks, balancing risk and returns.

   Parameters	Details
   Fund Name	HDFC Large and Mid Cap Fund Regular- Growth
   NAV	₹ 353.20 (as on 2nd January, 2026)
   AUM	₹26,406.25 Crs
   Expense Ratio	1.64%
   Return 5 Years	26.03%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	18th February, 1994
   Asset Allocation	Equity: 98.83%, Others: 0.84%
   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 Infosys Ltd Axis Bank Ltd Fortis Healthcare Ltd Mphasis Ltd Repo Max Financial Services Ltd Maruti Suzuki India Ltd
   Fund Managers	Gopal Agrawal Dhruv Muchhal
   Fund Type	Open-ended

   

6. HDFC ELSS Tax Saver Fund Regular-Growth

   Fund Objective: The scheme seeks to generate capital appreciation/income from a diversified portfolio, investing predominantly in equity and equity-related instruments with the added benefit of tax saving under Section 80C.

   Parameters	Details
   Fund Name	HDFC ELSS Tax Saver Fund Regular-Growth
   NAV	₹ 1,466.99 (as on 2nd January, 2026)
   AUM	₹16,579.03 Crs
   Expense Ratio	1.7%
   Return 5 Years	25.19%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	31st March, 1996
   Asset Allocation	Equity: 94.8%, Debt: 0.3%, Others: 4.9%
   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 Maruti Suzuki India Ltd SBI Life Insurance Company Ltd Cipla Ltd Kotak Mahindra Bank Ltd Bharti Airtel Ltd State Bank of India
   Fund Managers	Roshi Jain Dhruv Muchhal
   Fund Type	Open-ended

7. HDFC Balanced Advantage Fund Regular-Growth

   Fund Objective: This fund aims to provide long-term capital appreciation/income from a dynamic mix of equity and debt investments, with asset allocation being actively managed to increase or decrease equity exposure based on market conditions.

   Parameters	Details
   Fund Name	HDFC Balanced Advantage Fund Regular-Growth
   NAV	₹ 539.06 (as on 2nd January, 2026)
   AUM	₹101,772.60 Crs
   Expense Ratio	1.33%
   Return 5 Years	24.17%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	11th September, 2000
   Asset Allocation	Equity: 64.83%, Debt: 26.66%, Others: 7.06%
   Top Sectors	Real Estate Technology Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials
   Top Holdings	HDFC Bank Ltd Cash Margin ICICI Bank Ltd Reliance Industries Ltd Bharti Airtel Ltd State Bank of India Reverse Repo Infosys Ltd Larsen & Toubro Ltd Repo
   Fund Managers	Anil Bamboli Gopal Agrawal Arun Agarwal Srinivasan Ramamurthy Dhruv Muchhal Nandita Menezes
   Fund Type	Open-ended

8. HDFC Hybrid Equity Fund Regular-Growth

   Fund Objective: The fund's objective is to generate long-term capital appreciation by investing predominantly in a mix of equity and equity-related securities along with fixed income securities to manage risk through diversification.

   Parameters	Details
   Fund Name	HDFC Hybrid Equity Fund Regular-Growth
   NAV	₹ 121.03 (as on 2nd January, 2026)
   AUM	₹24,510.90 Crs
   Expense Ratio	1.68%
   Return 5 Years	17.04%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	6th April, 2005
   Asset Allocation	Equity: 70.59%, Debt: 25.76%, Others: 2.54%
   Top Sectors	Healthcare Materials Technology Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial
   Top Holdings	ICICI Bank Ltd HDFC Bank Ltd Reliance Industries Ltd State Bank of India Bharti Airtel Ltd Infosys Ltd Larsen & Toubro Ltd ITC Ltd Axis Bank Ltd GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
   Fund Managers	Dhruv Muchhal Anupam Joshi Srinivasan Ramamurthy
   Fund Type	Open-ended

9. HDFC Banking & Financial Services Fund Regular - Growth

   Fund Objective: The objective is to provide long-term capital appreciation by investing predominantly in equity and equity-related instruments of companies engaged in banking and financial services.

   Parameters	Details
   Fund Name	HDFC Banking & Financial Services Fund Regular - Growth
   NAV	₹ 18.22 (as on 2nd January, 2026)
   AUM	₹4,186.79 Crs
   Expense Ratio	1.91%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st July, 2021
   Asset Allocation	Equity: 99.22%, Others: 0.78%
   Top Sectors	Industrials Financial
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Axis Bank Ltd Kotak Mahindra Bank Ltd State Bank of India AU Small Finance Bank Ltd Bajaj Finance Ltd Shriram Transport Finance Company Ltd SBI Life Insurance Company Ltd Repo
   Fund Managers	Anand Laddha Dhruv Muchhal
   Fund Type	Open-ended

10. HDFC Equity Savings Fund Regular-Growth

    Fund Objective: This fund aims to generate income and capital appreciation through a combination of equity shares, arbitrage opportunities, and fixed income securities, focusing on equity savings with lower volatility.

    Parameters	Details
    Fund Name	HDFC Equity Savings Fund Regular-Growth
    NAV	₹ 68.10 (as on 2nd January, 2026)
    AUM	₹5,673.94 Crs
    Expense Ratio	1.87%
    Return 5 Years	12.4%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹100
    Risk Level	Principal at moderately high risk
    Launch Date	17th September, 2004
    Asset Allocation	Equity: 37.07%, Debt: 23.71%, Others: 37.19%
    Top Sectors	Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials
    Top Holdings	Cash Margin HDFC Bank Ltd Repo ICICI Bank Ltd Reliance Industries Ltd Larsen & Toubro Ltd Sun Pharmaceutical Industries Ltd Titan Company Ltd Infosys Ltd State Bank of India
    Fund Managers	Anil Bamboli Arun Agarwal Srinivasan Ramamurthy Dhruv Muchhal Nandita Menezes
    Fund Type	Open-ended

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.