ICICI SWP Plan
ICICI Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount
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What is the ICICI SWP Plan?
The ICICI SWP Plan lets you withdraw a fixed amount from your mutual fund at regular intervals, like monthly or quarterly. It allows them to withdraw a fixed amount while the remaining money stays invested. This SWP plan is helpful for retirees or anyone needing a steady income. You don’t have to withdraw everything at once, and your money stays invested to earn returns. It’s a smart way to manage expenses while keeping your investment growing.
Insurance Companies
Mutual Funds
Returns
Fund Name 5 Years
7 Years
10 Years
SBI Life
10.1% 11.32%
HDFC Life
14.27% 14.55%
Axis Max Life
19.76% 20.8%
ICICI Prudential Life
12.86% 12.62%
Tata AIA Life
21% 20.21%
Bajaj Life
13.88% 12.78%
Birla Sun Life
16.28% 14.73%
PNB MetLife
14.1% 15.61%
Canara HSBC Life
10% 9.46%
Star Union Dai-ichi Life
8.73% 9.24%
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Last updated: Feb 2026
Best ICICI SWP Plans in Mutual Funds 2026
Fund Name 3-Year Returns 5-Year Returns Returns Since Inception (RSI) AUM (in ₹ Crores)
ICICI Prudential India Opportunities Fund 24.90%
27.80%
22.60%
₹24,746 Cr
ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund 24.00%
27.40%
22.00%
₹4,917 Cr
ICICI Prudential Midcap Fund 19.60%
22.30$
18.80%
₹5,975 Cr
ICICI Prudential Equity & Debt Fund 17.90%
21.70%
17.20%
₹39,886 Cr
ICICI Prudential Infrastructure Fund 29.10%
29.20%
16.50%
₹7,434 Cr
ICICI Prudential Multicap Fund 19.80%
20.50%
16.40%
₹13,850 Cr
ICICI Prudential Balanced Advantage Fund 12.30%
13.00%
12.80%
₹60,347 Cr
ICICI Prudential Credit Risk Fund 7.60%
7.80%
8.90%
₹6,215 Cr
ICICI Prudential Gilt Fund 7.70%
7.40%
8.60%
₹6,360 Cr
ICICI Prudential Floating Interest Fund 7.80%
7.30%
8.30%
₹7,198 Cr
Details of Top 5 ICICI SWP Plans in Mutual Funds 2026
ICICI Prudential India Opportunities Fund
This plan provides steady withdrawals while investing in special situations like corporate restructuring. It balances regular income with long-term capital growth.
Fund Objective: This fund aims to generate long-term capital growth by investing in special situations like corporate restructuring and regulatory changes.
Inception Date: 12 October 1993
Benchmark: Nifty 500 TRI
NAV: ₹34.75
Fund Manager: Sankaran Naren, Roshan Chutkey, and Sharmila D’mello
ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund
This SWP helps you earn regular payouts while benefiting from the booming healthcare and pharma sectors. Ideal for stable returns in a high-growth industry.
Fund Objective: The fund seeks to capitalize on growth opportunities in the pharmaceutical, healthcare, and diagnostics sectors.
Inception Date: 12 October 1993
Benchmark: BSE Healthcare TRI
NAV: ₹37.26
Fund Manager: Dharmesh Kakkad and Sharmila D’mello
ICICI Prudential Midcap Fund
It allows systematic withdrawals while tapping into the high-growth potential of midcap stocks. Aims for wealth creation with steady income.
Fund Objective: This fund targets long-term capital appreciation by investing primarily in mid-cap stocks.
Inception Date: 12 October 1993
Benchmark: Nifty Midcap 150 TRI
NAV: ₹279.24
Fund Manager: Lalit Kumar and Sharmila D’mello
ICICI Prudential Equity & Debt Fund
This plan offers regular income with a balanced mix of equity and debt investments. Perfect for investors seeking both growth and stability.
Fund Objective: The fund aims to provide a balanced investment approach by allocating assets between equity and debt.
Inception Date: 12 October 1993
Benchmark: CRISIL Hybrid 35 + 65 Aggressive Index
NAV: ₹390.45
Fund Manager: Sankaran Naren, Manish Banthia, Mittul Kalawadia, Akhil Kakkar, Sri Sharma, Sharmila D’mello, and Nitya Mishra
ICICI Prudential Infrastructure Fund
It provides periodic withdrawals while investing in India’s growing infrastructure sector. Ideal for long-term investors looking for steady cash flow.
Fund Objective: This fund invests in infrastructure-related sectors to capitalize on India's growth in this area.
Inception Date: 12 October 1993
Benchmark: BSE India Infrastructure TRI
NAV: ₹180.74
Fund Manager: Ihab Dalwai and Sharmila D’mello
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Monthly Investment
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Top Funds with High Returns (Past 7 Years)
12.25%
Equity Pension
14.28%
Opportunities Fund
18.16%
High Growth Fund
12.38%
Opportunities Fund
22%
Multi Cap Fund
13.85%
Accelerator Mid-Cap Fund II
15.38%
Multiplier
13.93%
Frontline Equity Fund
14.61%
Virtue II
10.28%
Equity II Fund
10.12%
Blue-Chip Equity Fund
14.64%
Growth Opportunities Plus Fund
11.27%
Equity Top 250 Fund
13%
Future Apex Fund
11.06%
Pension Dynamic Equity Fund
13.45%
Accelerator Fund
Best ICICI SWP Plans in ULIP for 2026
Fund Name 3-Year Returns 5-Year Returns Returns Since Inception Assets Under Management (AUM)
ICICI Pru Life Bluechip Fund 10.64%
14.45%
10.11%
₹4,306 Cr
ICICI Pru Life Maximiser V Fund 12.55%
15.30%
12.80%
₹51,872 Cr
ICICI Pru Life Multi Cap Growth Fund 12.54%
15.05%
11.40%
₹18,675 Cr
ICICI Pru Life Opportunities Fund 13.80%
16.53%
11.86%
₹3,200 Cr
ICICI Pru Life Maximise India Fund 12.39%
15.98%
10.57%
₹ 954 Cr
ICICI Pru Life Value Enhancer Fund 15.96%
17.86%
12.58%
₹7,535 Cr
ICICI Pru Life Multi Cap Balanced Fund 9.79%
11.34%
9.67%
₹1,991 Cr
ICICI Pru Life Active Asset Allocation Balanced Fund 9.03%
10.94%
8.73%
₹2,733 Cr
ICICI Pru Life Income Fund 5.72%
5.94%
7.74%
₹7,913 Cr
ICICI Pru Life Money Market Fund 5.88%
5.15%
6.85%
₹2,411 Cr
Details of Top 5 ICICI SWP Plans in ULIP for 2026
This plan allows investors to withdraw a fixed amount regularly while their investment in blue-chip stocks continues to grow. It is ideal for those looking for stable returns from top companies.
Fund Objective: Aims to provide long-term capital growth by investing mainly in large-cap equity stocks.
Inception Date: November 24, 2009
Benchmark: NIFTY 50
NAV: ₹43.20
Fund Manager: Jitendra Arora
ICICI Pru Life Maximiser V Fund
This plan helps investors balance growth and income by withdrawing a regular amount from their equity investments. It is suitable for those who want to benefit from large and mid-cap stocks.
Fund Objective: Seeks to achieve long-term wealth creation through investments in equity and equity-related instruments of large and mid-cap companies.
Inception Date: August 29, 2011
Benchmark: BSE 100
NAV: ₹50.45
Fund Manager: Manish Kumar
ICICI Pru Life Multi Cap Growth Fund
This plan provides a diversified income stream by investing across large, mid, and small-cap stocks. It ensures balanced growth with regular withdrawals.
Fund Objective: Focuses on delivering high long-term returns through a diversified portfolio of equity and equity-related instruments across large, mid, and small-cap stocks.
Inception Date: November 24, 2009
Benchmark: NIFTY 500
NAV: ₹51.56
Fund Manager: Gautam Sinha Roy
ICICI Pru Life Multi Cap Balanced Fund
This plan combines equity and debt investments to offer a stable income through systematic withdrawals. It is perfect for investors seeking a balanced approach.
Fund Objective: Strives to balance capital appreciation and stable returns by investing in equity and debt instruments across large, mid, and small-cap companies.
Inception Date: November 24, 2009
Benchmark: 55% NIFTY 500 & 45% CRISIL Composite Bond Fund Index
NAV: ₹40.67
Fund Manager: Gautam Sinha Roy and Vidya Iyer
ICICI Pru Life Income Fund
This plan focuses on generating steady income by investing in debt securities. It is ideal for those who prefer low-risk, regular withdrawals over market-linked growth.
Fund Objective: Aims to generate income accumulation by investing in a variety of fixed-income securities while ensuring capital appreciation, safety, and liquidity.
Inception Date: November 24, 2009
Benchmark: CRISIL Composite Bond Fund Index
NAV: ₹31.02
Fund Manager: Arun Srinivasan
ICICI SWP Calculator
The ICICI SWP Calculator helps you to plan systematic withdrawals from ICICI Mutual Funds while ensuring steady cash flow. It allows you to easily estimate monthly withdrawals and the final matured sum based on the withdrawal amount and expected returns.
This SWP calculator can optimize your withdrawals while keeping the remaining capital invested for growth. It ensures financial stability while benefiting from market-linked returns.
Benefits of Investing in ICICI SWP Plans
Following are the key benefits of investing in ICICI SWP Plans in India:
Regular Income Flow – ICICI SWP plans provide a steady income by withdrawing fixed amounts from ICICI Mutual Funds at chosen intervals.
Customizable Withdrawals – Investors can select withdrawal frequency (monthly, quarterly, or annually) based on their financial needs.
Tax-Efficient Returns – Long-term capital gains on equity funds up to ₹1 lakh are tax-free, while debt funds have indexation benefits.
Market-Linked Growth – Investments continue to grow in ICICI Mutual Funds, offering potential capital appreciation.
Flexibility & Liquidity – Withdraw anytime without penalty while keeping the remaining amount invested.
Rupee Cost Averaging – Withdrawals during market fluctuations help manage risk effectively.
Ideal for Retirees – Ensures financial stability by converting lump sum investments into a regular income stream.
Conclusion
The ICICI Systematic Withdrawal Plan (SWP) is a flexible investment option that allows you to withdraw a fixed amount regularly from your mutual fund investments. It provides a steady income stream while keeping your investments intact. A diversified portfolio often includes investments from the best SIP plans available in the market, and with options for monthly, quarterly, or annual withdrawals, it suits retirees and helps with their retirement planning , investors seeking regular income, or anyone looking for financial flexibility. The ICICI SWP is ideal for balancing long-term growth with short-term liquidity.
FAQs
How does an ICICI SWP Plan work? An ICICI SWP Plan systematically withdraws a set amount from your ICICI Mutual Fund investment and credits it to your bank account on a chosen frequency.
What are the benefits of an ICICI SWP Plan? An ICICI SWP Plan provides regular income, tax efficiency, capital appreciation, and flexibility in withdrawals without a lock-in period.
Who should invest in an ICICI SWP Plan? An ICICI SWP Plan is ideal for retirees, individuals seeking passive income, and investors who want steady returns while staying invested in ICICI Mutual Funds.
Is there any tax on an ICICI SWP Plan? Yes, withdrawals from an ICICI SWP Plan are subject to
capital gains tax based on the type of ICICI Mutual Fund and the holding period.
Can I change the withdrawal amount in an ICICI SWP Plan? Yes, an ICICI SWP Plan allows investors to modify the withdrawal amount and frequency as per financial needs.
