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Total amount withdrawn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

View plans

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

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.08 17.63 16.59 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.13 15.9 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.96 17.09 15.75 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.12 15.09 15.68 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.18 16.13 15.36 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.63 16.01 15.06 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.21 14.43 14.85 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.35 15.98 14.8 %

View Fund

Instant tax receipt

Super 20

AUM (Cr)

₹2,208

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.5 13.48 14.02 %

View Fund

Instant tax receipt

Growth Super Fund

AUM (Cr)

₹12,943

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.04 13.6 14.01 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.08 17.63 16.59 %

View Fund

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.96 17.09 15.75 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.12 15.09 15.68 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.18 16.13 15.36 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.63 16.01 15.06 %

View Fund

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.35 15.98 14.8 %

View Fund

Super 20

AUM (Cr)

₹2,208

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.5 13.48 14.02 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,943

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.04 13.6 14.01 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹1,031

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.81 14.09 13.85 %

View Fund

Blue Chip Fund

AUM (Cr)

₹8,120

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.98 13.56 13.7 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.13 15.9 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.21 14.43 14.85 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,815

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 21.44 %

View Fund

High Growth Fund

AUM (Cr)

₹12,246

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29.43 23.7 18.4 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,053

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.66 16.01 15.96 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,777

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.84 14.88 14.5 %

View Fund

Flexi Cap

AUM (Cr)

₹1,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.72 14.83 13.92 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,622

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.52 14.66 13.78 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹541

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.16 13.01 12.4 %

View Fund

Asset Allocation

AUM (Cr)

₹258

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.53 10.59 11.43 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹810

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.83 7.28 7.65 %

View Fund

Debt Fund

AUM (Cr)

₹512

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.61 7.4 7.44 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹179

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.42 6.85 7.26 %

View Fund

Steady Money Fund

AUM (Cr)

₹76

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.58 6.88 7.1 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹181

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.79 6.46 7.1 %

View Fund

Bond Fund

AUM (Cr)

₹120

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6 6.88 7.06 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.39 6.88 7.01 %

View Fund

Secure Fund

AUM (Cr)

₹1,022

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.95 6.71 6.94 %

View Fund

Income Fund

AUM (Cr)

₹6,870

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.01 6.47 6.94 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹935

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.64 17.05 16.25 %

View Fund

Balanced Fund

AUM (Cr)

₹363

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.49 11.39 11.23 %

View Fund

Balanced Fund

AUM (Cr)

₹5,378

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.49 10.73 11.01 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹64

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.03 10.03 10.65 %

View Fund

Creator

AUM (Cr)

₹478

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.03 10.25 10.62 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹276

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.56 10.26 10.49 %

View Fund

Balanced Fund

AUM (Cr)

₹22,084

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.67 10.17 10.46 %

View Fund

Balancer II

AUM (Cr)

₹833

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.93 10.67 10.41 %

View Fund

Growth Fund

AUM (Cr)

₹7,213

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.31 10.27 10.31 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.8 9.85 10.25 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

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	11.64%	12.92%	12.86% View Plan
Opportunities Fund HDFC Life Rating	19.5%	16.13%	15.9% View Plan
High Growth Fund Axis Max Life Rating	29.43%	23.7%	18.4% View Plan
US Growth Fund ICICI Prudential Life Rating	15.25%	-	18.03% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	21.44% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	15.21%	14.43%	14.85% View Plan
Multiplier Birla Sun Life Rating	19.5%	16.65%	15.9% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	11.39%	11.75%	11.88% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	14.54%	-	14.6% View Plan

Fund rating powered by

Last updated: Jan 2026

Compare more funds

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	₹822.00 Crs	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Updated as of Jan 2026

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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