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Total amount withdrawn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

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.07 17.82 17.02 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.19 14.52 14.74 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.74 15.04 14.46 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.23 12.28 13.82 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.52 13.5 13.81 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.17 13.14 13.54 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.44 11.92 13.49 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.82 13.01 13.17 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.89 11.52 12.98 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.93 12.39 12.75 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.19 14.52 14.74 %

View Fund

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.74 15.04 14.46 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.23 12.28 13.82 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.17 13.14 13.54 %

View Fund

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.82 13.01 13.17 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.89 11.52 12.98 %

View Fund

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.93 12.39 12.75 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,314

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.39 12.33 12.75 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.19 10.68 12.23 %

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Maximiser

AUM (Cr)

₹3,060

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.61 10.53 11.99 %

View Fund

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.07 17.82 17.02 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.52 13.5 13.81 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.44 11.92 13.49 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,938

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21 19.25 22 %

View Fund

High Growth Fund

AUM (Cr)

₹12,572

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.11 19.74 17.84 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.62 13.29 14.32 %

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Classic Opportunities Fund

AUM (Cr)

₹13,553

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11 12.14 12.72 %

View Fund

Flexi Cap

AUM (Cr)

₹1,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.04 12.03 12.38 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,551

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.51 11.8 12.11 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹526

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.24 10.52 10.82 %

View Fund

Asset Allocation

AUM (Cr)

₹242

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.36 8.55 9.86 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹823

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.6 6.77 7.25 %

View Fund

Debt Fund

AUM (Cr)

₹499

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.2 6.72 6.99 %

View Fund

Bond Fund

AUM (Cr)

₹117

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.95 6.54 6.9 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹171

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.13 6.31 6.82 %

View Fund

Steady Money Fund

AUM (Cr)

₹77

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.34 6.32 6.77 %

View Fund

Bond Fund

AUM (Cr)

₹16,781

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.21 6.19 6.58 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.15 6.38 6.56 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹172

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.5 5.87 6.55 %

View Fund

Secure Fund

AUM (Cr)

₹1,013

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.57 6.15 6.52 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹904

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.57 14.89 14.96 %

View Fund

Balanced Fund

AUM (Cr)

₹354

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.63 9.49 10 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹62

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.71 8.49 9.69 %

View Fund

Creator

AUM (Cr)

₹460

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.52 8.57 9.61 %

View Fund

Balanced Fund

AUM (Cr)

₹5,072

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.55 8.52 9.61 %

View Fund

Balanced Fund

AUM (Cr)

₹21,160

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.07 8.39 9.36 %

View Fund

Balancer II

AUM (Cr)

₹807

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.29 8.89 9.34 %

View Fund

Growth Fund

AUM (Cr)

₹6,860

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.65 8.61 9.21 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹272

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.67 8.27 9.16 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,775

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.37 8.52 8.98 %

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	8.75%	9.92%	11.02% View Plan
Opportunities Fund HDFC Life Rating	12.52%	13.5%	13.81% View Plan
High Growth Fund Axis Max Life Rating	18.11%	19.74%	17.84% View Plan
Opportunities Fund ICICI Prudential Life Rating	11.51%	11.8%	12.11% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	19.25%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	12.44%	11.92%	13.49% View Plan
Multiplier Birla Sun Life Rating	14.57%	13.67%	15% View Plan
Virtue II PNB MetLife Rating	12.74%	15.04%	14.46% View Plan
Growth Plus Fund Canara HSBC Life Rating	8.9%	9.11%	10.26% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.66%	8.51%	9.89% View Plan

Fund rating powered by

Last updated: Mar 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	₹1,748.84 Crs	29.74%	N/A	N/A	₹500	29.63%
Bandhan Small Cap Fund Regular-Growth	₹20,474.12 Crs	27.65%	20.77%	N/A	₹1,000	26.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,689.20 Crs	18.96%	20.42%	15.88%	₹500	19.13%
ICICI Prudential Infrastructure Fund-Growth	₹8,097.89 Crs	21.51%	23.93%	17.68%	₹5,000	15.11%
Canara Robeco Large Cap Fund Regular-Growth	₹17,103.62 Crs	11.65%	9.73%	13.1%	₹100	11.73%
Mirae Asset Large Cap Fund Direct- Growth	₹40,184.41 Crs	11%	10.14%	13.7%	₹5,000	14.68%
Kotak Midcap Fund Regular-Growth	₹61,694.40 Crs	18.6%	16.45%	17.28%	₹100	14.16%
SBI Small Cap Fund-Growth	₹34,931.73 Crs	11.56%	13.34%	16.95%	₹5,000	17.8%
SBI Gold ETF	₹24,897.99 Crs	33.01%	25.38%	16.25%	₹5,000	13.42%

Updated as of Mar 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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