Kotak SWP Calculator

Planning for a steady income stream, especially during retirement, is a crucial aspect of financial planning. A Systematic Withdrawal Plan (SWP) can be a valuable tool in achieving this. Understanding how an SWP works is key, and a Kotak SWP calculator can be a powerful tool in this process. This article will explain the benefits of using a Kotak SWP calculator and guide you on how to effectively use it to plan your financial future.

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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Total amount withdrawn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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What is a Kotak SWP Calculator?

A Kotak SWP calculator is a user-friendly online tool provided by Kotak Mutual Fund. It helps you estimate the potential returns and income you can generate through a SWP. By inputting some key details, you can project how your investment might grow and how much you can withdraw regularly without jeopardizing your principal amount. It's a valuable tool for anyone considering a Kotak SWP.

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

High Growth Fund

AUM (Cr)

₹10,929

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,606

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.7 17.74 16 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,292

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.75 17.7 15.24 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,507

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.66 16.54 14.75 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.84 14.57 14.53 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹426

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.55 15.42 14.53 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,466

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.36 16.66 14.37 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,538

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 14.76 14.05 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹232

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.22 16.57 14.02 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹108

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.17 16.28 13.74 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,606

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.7 17.74 16 %

View Fund

Virtue II

AUM (Cr)

₹3,292

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.75 17.7 15.24 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹426

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.55 15.42 14.53 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,466

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.36 16.66 14.37 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,538

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 14.76 14.05 %

View Fund

Accelerator Fund

AUM (Cr)

₹232

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.22 16.57 14.02 %

View Fund

Future Apex Fund

AUM (Cr)

₹108

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.17 16.28 13.74 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,238

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.44 14.55 13.55 %

View Fund

Pure Equity

AUM (Cr)

₹2,922

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.48 14.65 13.33 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,581

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.3 14.28 13.17 %

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High Growth Fund

AUM (Cr)

₹10,929

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,507

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.66 16.54 14.75 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.84 14.57 14.53 %

View Fund

Multi Cap Fund

AUM (Cr)

₹8,754

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.46 22.63 20.59 %

View Fund

Pension India Consumption Fund

AUM (Cr)

₹9

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.5 15.5 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,006

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.33 16.07 14.72 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,497

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.64 15.36 13.45 %

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Flexi Cap

AUM (Cr)

₹1,104

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.15 14.8 12.78 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹523

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.82 13.68 11.61 %

View Fund

Asset Allocation

AUM (Cr)

₹264

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.24 11.09 10.87 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹823

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.01 7.68 7.57 %

View Fund

Debt Fund

AUM (Cr)

₹480

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.66 7.87 7.41 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹151

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.47 7.32 7.22 %

View Fund

Bond Fund

AUM (Cr)

₹122

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.01 7.13 7.14 %

View Fund

Steady Money Fund

AUM (Cr)

₹76

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.56 7.26 7.11 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.91 7.05 6.97 %

View Fund

Bond Fund

AUM (Cr)

₹18,605

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.48 7.17 6.94 %

View Fund

Income Fund

AUM (Cr)

₹7,201

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.04 6.92 6.93 %

View Fund

Debt Fund

AUM (Cr)

₹91

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.42 7.3 6.9 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹883

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.55 17.32 15.48 %

View Fund

Balanced Fund

AUM (Cr)

₹354

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.21 11.91 10.65 %

View Fund

Pension Growth

AUM (Cr)

₹228

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.26 11.69 10.47 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹64

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.95 10.47 10.17 %

View Fund

Balanced Fund

AUM (Cr)

₹5,437

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.24 10.98 10.11 %

View Fund

Creator

AUM (Cr)

₹478

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.11 10.65 10.07 %

View Fund

Balanced Fund

AUM (Cr)

₹22,111

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.98 10.62 10 %

View Fund

Balancer II

AUM (Cr)

₹821

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.24 10.92 9.88 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹278

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.08 10.57 9.88 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,915

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.76 10.7 9.68 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,295

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.4 15.02 13.82 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,238

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.81 14.65 13.62 %

View Fund

Pure Equity

AUM (Cr)

₹2,922

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.76 14.72 13.34 %

View Fund

How Can a Kotak SWP Calculator Help You?

Kotak SWP Calculator: This online tool, provided by Kotak Mutual Fund, helps you estimate potential returns and withdrawal amounts from your SWP investments.
Factors Considered: A Kotak SWP calculator takes into account your investment amount, expected rate of return, and withdrawal frequency to project your future cash flow.
Visualization: It allows you to visualize how your investment might grow (or deplete) over time, giving you a clearer picture of your financial future.
Scenario Analysis: You can experiment with different scenarios, adjusting variables like withdrawal amount and frequency, to find the optimal strategy that aligns with your financial goals.

Example of a Systematic Withdrawal Plan

Let's illustrate how a SWP works with an example.

Suppose you invest ₹10,00,000 in a Kotak mutual fund and decide to start an SWP. You choose to withdraw ₹5,000 monthly. If your investment earns an average annual return of 8%, the SWP will allow you to receive a consistent monthly income while your principal continues to grow (or decrease, depending on market conditions). Over time, you will receive a steady stream of income. This is a simplified example, and the actual returns can vary based on market fluctuations. The Kotak SWP calculator helps you model such scenarios with greater precision.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	16.44%	13.57%	11.99% View Plan
Global Equity Index Funds Strategy HDFC Life Rating	15.72%	-	16.14% View Plan
High Growth Fund Axis Max Life Rating	29.3%	22.69%	17.8% View Plan
Pension India Consumption Fund ICICI Prudential Life Rating	20.5%	-	15.5% View Plan
Multi Cap Fund Tata AIA Life Rating	25.46%	22.63%	20.59% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	20.84%	14.57%	14.53% View Plan
Multiplier Birla Sun Life Rating	23.48%	16.95%	15.97% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	16.09%	12.05%	10.83% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	14.69%	-	13.87% View Plan

Fund rating powered by

Last updated: Oct 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: August 2025

Compare more funds

Buying the Dip Results in Higher Returns

How to Use a Kotak SWP Calculator?

While the specifics might vary slightly between calculators, the general process is usually as follows:

Find the Kotak SWP Calculator: Visit the Policybazaar’s Kotak SWP calculator on this page.
Enter Key Details:
- Amount Invested: The total initial investment.
- Withdrawal Amount: The sum you wish to withdraw periodically (monthly, quarterly, etc.).
- Expected Rate of Return: The estimated average annual return on your investment.
- Tenure of Investment/Withdrawal Period: The duration for which you plan to withdraw funds.
Click on “Calculate”: Once all details are filled in, hit the Calculate button.
Get Your Results: The Kotak SWP calculator will typically display:
- Projected total investment amount at the end of the withdrawal period.
- Total withdrawals over the investment period.
- Final value of your investment (if any remains).

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How Can a Kotak SWP Calculator Benefit You?

The Kotak SWP calculator offers several key benefits:

Financial Planning: It helps you plan your retirement income or any other long-term financial goal by providing an estimate of your future cash flow.
Scenario Analysis: You can experiment with different investment amounts, rates of return, and withdrawal frequencies to find the optimal SWP strategy that suits your needs.
Informed Decision Making: By providing you with clear projections, the Kotak SWP calculator empowers you to make informed decisions about your investment strategy.
Easy to Use: Kotak SWP calculators are generally user-friendly and require no specialized financial knowledge.

Kotak SWP Calculator

What is a Kotak SWP Calculator?

Best SIP Funds

How Can a Kotak SWP Calculator Help You?

Example of a Systematic Withdrawal Plan

How to Use a Kotak SWP Calculator?

How Can a Kotak SWP Calculator Benefit You?

SIP plans articles

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