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Total amount withdrawn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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Cost of Delay Calculator

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Monthly SIP Amount

/Month

Invest For (in Years)

Years

Stay Invested For (in Years)

Years

Expected return

% Annually

If you start SIP after (in Months)

Months

Due to the delay of 10 Months

Your Target Wealth will reduce by 13.3%.

With loss of ₹13,87,249

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Invest Now

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)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 20.97 18.16 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.98 16.95 14.84 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.98 14.77 14.5 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.03 16.9 14.41 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.08 12.68 14.18 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.03 13.94 13.92 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.24 15.46 13.89 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.55 14.3 13.68 %

View Fund

Instant tax receipt

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.22 14.08 13.13 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.62 15.52 13.03 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.98 16.95 14.84 %

View Fund

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.03 16.9 14.41 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.03 13.94 13.92 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.24 15.46 13.89 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.55 14.3 13.68 %

View Fund

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.22 14.08 13.13 %

View Fund

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.62 15.52 13.03 %

View Fund

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.14 13.39 13.02 %

View Fund

Future Apex Fund

AUM (Cr)

₹95

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.92 15.54 12.98 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,305

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.05 13.76 12.49 %

View Fund

High Growth Fund

AUM (Cr)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 20.97 18.16 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.98 14.77 14.5 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.08 12.68 14.18 %

View Fund

Top 200 Fund

AUM (Cr)

₹2,188

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 32.29 21.64 17.6 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹969

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.12 15.17 14.28 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,357

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.88 13.79 12.73 %

View Fund

Pension Opportunities Fund

AUM (Cr)

₹155

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.35 13.6 12.14 %

View Fund

Flexi Cap

AUM (Cr)

₹1,178

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.94 13.48 12.02 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹535

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.9 12.11 11.13 %

View Fund

Builder

AUM (Cr)

₹221

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.88 8.63 8.52 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹872

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.49 8.21 7.99 %

View Fund

Debt Fund

AUM (Cr)

₹498

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.44 8.26 7.81 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹209

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.6 7.77 7.51 %

View Fund

Steady Money Fund

AUM (Cr)

₹71

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.87 7.5 7.45 %

View Fund

Debt Fund

AUM (Cr)

₹97

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.04 7.74 7.36 %

View Fund

Income Fund

AUM (Cr)

₹8,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.64 7.35 7.3 %

View Fund

Bond Fund

AUM (Cr)

₹110

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.28 7.15 7.3 %

View Fund

Secure Fund

AUM (Cr)

₹1,115

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.54 7.54 7.27 %

View Fund

Bond Fund

AUM (Cr)

₹20,041

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.03 7.48 7.26 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹849

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.41 16.39 14.96 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.72 11.49 10.6 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹63

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.44 10.09 9.89 %

View Fund

Creator

AUM (Cr)

₹500

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.16 10.45 9.88 %

View Fund

Balanced Fund

AUM (Cr)

₹5,909

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.14 10.48 9.78 %

View Fund

Balancer II

AUM (Cr)

₹858

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.72 10.61 9.74 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹297

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.31 9.89 9.41 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹2,007

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.9 9.64 9.37 %

View Fund

Stable Fund

AUM (Cr)

₹19

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.27 10.23 9.3 %

View Fund

Growth Plus Fund

AUM (Cr)

₹753

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.83 10.07 9.27 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,239

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.22 13.12 13.35 %

View Fund

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.22 14.08 13.13 %

View Fund

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.14 13.39 13.02 %

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
High Growth Fund Max Life Rating	27.23%	20.97%	18.16% View Plan
Top 200 Fund Tata AIA Rating	32.29%	21.64%	17.6% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	25.08%	12.68%	14.18% View Plan
Opportunities Fund HDFC Standard Rating	26.98%	14.77%	14.5% View Plan
Growth Plus Fund Canara HSBC Oriental Bank Rating	18.49%	10.44%	10.33% View Plan
Growth Opportunities Plus Fund Bharti AXA Rating	24.12%	15.17%	14.28% View Plan
Multiplier Birla Sun Life Rating	28.04%	13.84%	15.21% View Plan
Pension Opportunities Fund ICICI Prudential Rating	24.35%	13.6%	12.14% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	24.98%	16.95%	14.84% View Plan

Fund rating powered by

Last updated: May 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: Mar 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.