SBI SWP Plans

SBI SWP Plans make it easier to turn your mutual fund investments into a steady stream of income. Instead of withdrawing a large amount at once, you can take out money in small, regular instalments while the rest of your investment keeps working for you.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry free investing

SBI SWP Calculator

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Total amount withdrawn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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List of Best SBI SWP Plans

Below is the list of the best SIP plans that offer the systematic withdrawal facility:

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
SBI Gold Direct Plan-Growth	₹4,739.69 Crs	31.62%	24.4%	16.31%	₹5,000	11%
SBI PSU Fund-Growth	₹5,278.16 Crs	31.36%	25.98%	14.9%	₹5,000	7.94%
SBI Children's Fund - Investment Plan Regular-Growth	₹4,034.89 Crs	19.89%	23.25%	N/A	₹5,000	29.06%
SBI ELSS Tax Saver Fund Regular -Growth	₹30,271.16 Crs	20.42%	17.47%	14.36%	₹500	16.25%
SBI Banking & Financial Services Fund Regular-Growth	₹8,450.07 Crs	19.17%	12.87%	16.4%	₹5,000	13.53%
SBI Infrastructure Fund Direct-Growth	₹4,969.18 Crs	18.72%	19.33%	16.23%	₹5,000	13.89%
SBI Contra Fund-Growth	₹46,947.01 Crs	15.84%	17.83%	15.51%	₹5,000	18.24%
SBI Multi Asset Allocation Fund-Growth	₹9,440.30 Crs	17.35%	13.92%	11.3%	₹5,000	9.51%
SBI Healthcare Opportunities Fund-Growth	₹4,026.55 Crs	23.81%	16.5%	11.56%	₹5,000	16%
SBI Nifty Midcap 150 Index Fund Regular - Growth	₹890.91 Crs	20.85%	N/A	N/A	₹5,000	16.57%

Details of SBI SWP Plans

SBI Gold Direct Plan-Growth

The SBI Gold Direct Plan- Growth is an investment option that aims to track domestic gold prices and deliver returns similar to gold, with minor differences due to tracking error.

Parameters	Details
Fund Name	SBI Gold Direct Plan-Growth
NAV	₹ 42.73 (as on 24th March, 2026)
AUM	₹4,739.69 Crs
Expense Ratio	0.24%
Return 5 Years	24.4%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at high risk
Launch Date	NA
Asset Allocation	Others: 1.54%, Commodities: 98.46%
Top Sectors	NA
Top Holdings	SBI ETF Gold Repo Net Payables
Fund Managers	Pradeep Kesavan Raviprakash Sharma
Fund Type	Open-ended

SBI PSU Fund-Growth

This investment plan focuses on long-term capital growth by investing mainly in public sector companies, PSU banks, and firms involved in disinvestment or privatisation.

Parameters	Details
Fund Name	SBI PSU Fund-Growth
NAV	₹ 33.27 (as on 24th March, 2026)
AUM	₹5,278.16 Crs
Expense Ratio	1.86%
Return 5 Years	25.98%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	7th July, 2010
Asset Allocation	Equity: 95.84%, Debt: 0.07%, Others: 4.09%
Top Sectors	Industrials Energy & Utilities Financial Materials
Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
Fund Managers	NA
Fund Type	Open-ended

SBI Children's Fund - Investment Plan Regular - Growth

This fund aims to build long-term wealth by investing primarily in equity funds across different sectors of the Indian economy.

Parameters	Details
Fund Name	SBI Children's Fund - Investment Plan Regular-Growth
NAV	₹ 40.50 (as on 24th March, 2026)
AUM	₹4,034.89 Crs
Expense Ratio	1.83%
Return 5 Years	23.25%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	29th September, 2020
Asset Allocation	Equity: 84.02%, Debt: 0.18%, Others: 15.8%
Top Sectors	Energy & Utilities Technology Unspecified Consumer Staples Financial Materials Consumer Discretionary Industrials
Top Holdings	Repo Net Receivables Alphabet Inc Forgn. Eq (GOOGL) Hatsun Agro Products Ltd Thangamayil Jewellery Ltd Muthoot Finance Ltd State Bank of India Renew Energy Global PLC Forgn. Eq (RNW) Le Travenues Technology Ltd. HDFC Bank Ltd
Fund Managers	Pradeep Kesavan Lokesh Mallya Rama Iyer Srinivasan
Fund Type	Open-ended

SBI ELSS Tax Saver Fund Regular -Growth

This fund invests in a diversified equity portfolio and comes with a three-year lock-in, helping investors save tax under Section 80C while aiming for capital growth.

Parameters	Details
Fund Name	SBI ELSS Tax Saver Fund Regular -Growth
NAV	₹ 401.40 (as on 24th March, 2026)
AUM	₹30,271.16 Crs
Expense Ratio	1.6%
Return 5 Years	17.47%
Minimum Investment	SIP ₹1000 & Lumpsum ₹500
Risk Level	Principal at very high risk
Launch Date	NA
Asset Allocation	Equity: 97.81%, Debt: 0.12%, Others: 2.07%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	HDFC Bank Ltd Repo ICICI Bank Ltd Reliance Industries Ltd State Bank of India Axis Bank Ltd Kotak Mahindra Bank Ltd Tata Steel Ltd Cipla Ltd Mahindra & Mahindra Ltd
Fund Managers	NA
Fund Type	Open-ended

Start An Sip Today Watch Your Money Grow

SBI Banking & Financial Services Fund Regular-Growth

This mutual fund scheme seeks long-term capital appreciation by investing mainly in banking and financial services companies.

Parameters	Details
Fund Name	SBI Banking & Financial Services Fund Regular-Growth
NAV	₹ 40.80 (as on 24th March, 2026)
AUM	₹8,450.07 Crs
Expense Ratio	1.76%
Return 5 Years	12.87%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	26th February, 2015
Asset Allocation	Equity: 97.71%, Debt: 0.04%, Others: 2.25%
Top Sectors	Industrials Financial
Top Holdings	HDFC Bank Ltd ICICI Bank Ltd State Bank of India Axis Bank Ltd Kotak Mahindra Bank Ltd Bajaj Finserv Ltd SBI Life Insurance Company Ltd Muthoot Finance Ltd HDFC Life Insurance Co Ltd Repo
Fund Managers	Pradeep Kesavan Milind Agrawal
Fund Type	Open-ended

SBI Infrastructure Fund Direct-Growth

This fund aims to generate long-term capital growth by actively investing in companies linked to India’s infrastructure development, along with selective debt and money market exposure.

Parameters	Details
Fund Name	SBI Infrastructure Fund Direct-Growth
NAV	₹ 48.36 (as on 24th March, 2026)
AUM	₹4,969.18 Crs
Expense Ratio	1.03%
Return 5 Years	19.33%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	NA
Asset Allocation	Equity: 94.07%, Debt: 1.17%, Others: 4.76%
Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology Unspecified
Top Holdings	Larsen & Toubro Ltd Reliance Industries Ltd Repo Shree Cement Ltd Bharti Airtel Ltd HDFC Bank Ltd Torrent Power Ltd Adani Transmission Ltd Adani Ports and Special Economic Zone Ltd Ultratech Cement Ltd
Fund Managers	Pradeep Kesavan Bhavin Vithlani
Fund Type	Open-ended

SBI Contra Fund-Growth

This Systematic Withdrawal Plan (SWP) fund follows a contrarian approach, investing in undervalued stocks with the aim of generating capital appreciation over the medium to long term.

Parameters	Details
Fund Name	SBI Contra Fund-Growth
NAV	₹ 349.19 (as on 24th March, 2026)
AUM	₹46,947.01 Crs
Expense Ratio	1.52%
Return 5 Years	17.83%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	NA
Asset Allocation	Equity: 90.83%, Debt: 5.32%, Others: 2.94%
Top Sectors	Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology Consumer Discretionary
Top Holdings	Repo Nifty Index 28-OCT-25 NIFTY 25500 Put Dec25 Nifty Index 25-11-2025 NIFTY 27-JAN-26 FUT NIFTY 26000 Put Feb26 HDFC Bank Ltd Nifty Index 28-Aug-25 NIFTY 25000 Put Mar26 Reliance Industries Ltd
Fund Managers	Dinesh Balachandran Pradeep Kesavan
Fund Type	Open-ended

SBI Multi Asset Allocation Fund-Growth

This fund aims to provide income and capital growth by investing across multiple asset classes such as equity, debt, gold, and other permitted instruments.

Parameters	Details
Fund Name	SBI Multi Asset Allocation Fund-Growth
NAV	₹ 63.10 (as on 24th March, 2026)
AUM	₹9,440.30 Crs
Expense Ratio	1.38%
Return 5 Years	13.92%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	21st December, 2005
Asset Allocation	Equity: 40.82%, Debt: 35.89%, Others: 8.13%, Commodities: 10.47%
Top Sectors	Consumer Staples Industrials Consumer Discretionary Real Estate Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Repo SBI Silver ETF-Growth SBI ETF Gold Brookfield India Real Estate Trust REIT GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 Nippon India Silver ETF - Growth GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 HDFC Bank Ltd Reliance Industries Ltd
Fund Managers	Vandna Soni Dinesh Balachandran Mansi Sajeja Pradeep Kesavan
Fund Type	Open-ended

Start Small & Build Your Wealth For A Brighter Tomorrow

SBI Healthcare Opportunities Fund-Growth

This fund focuses on long-term capital appreciation by investing mainly in healthcare and related sector companies.

Parameters	Details
Fund Name	SBI Healthcare Opportunities Fund-Growth
NAV	₹ 408.20 (as on 24th March, 2026)
AUM	₹4,026.55 Crs
Expense Ratio	1.93%
Return 5 Years	16.5%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	5th July, 1999
Asset Allocation	Equity: 97%, Debt: 0.07%, Others: 2.93%
Top Sectors	Healthcare Materials
Top Holdings	Sun Pharmaceutical Industries Ltd Divi's Laboratories Ltd Max Healthcare Institute Ltd Apollo Hospitals Enterprise Ltd Ami Organics Ltd Lupin Ltd Cipla Ltd Repo Torrent Pharmaceuticals Ltd Lonza Group Ag
Fund Managers	Tanmaya Desai Pradeep Kesavan
Fund Type	Open-ended

SBI Nifty Midcap 150 Index Fund Regular - Growth

The SBI Nifty Midcap 150 Index Fund aims to mirror the performance of the Nifty Midcap 150 Index by investing in the same stocks, subject to tracking error.

Parameters	Details
Fund Name	SBI Nifty Midcap 150 Index Fund Regular - Growth
NAV	₹ 17.04 (as on 24th March, 2026)
AUM	₹890.91 Crs
Expense Ratio	0.8%
Return 5 Years	N/A
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	3rd October, 2022
Asset Allocation	Equity: 99.86%, Others: 0.14%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	BSE Ltd Max Healthcare Institute Ltd Hero Motocorp Ltd Suzlon Energy Ltd The Federal Bank Ltd Dixon Technologies (India) Ltd Persistent Systems Ltd Cummins India Ltd PB Fintech Ltd Indusind Bank Ltd
Fund Managers	NA
Fund Type	Open-ended

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	9.11%	10.11%	10.96% View Plan
Opportunities Fund HDFC Life Rating	13.4%	14.07%	14.02% View Plan
High Growth Fund Axis Max Life Rating	18.88%	20.25%	17.9% View Plan
Opportunities Fund ICICI Prudential Life Rating	12.04%	12.13%	12.16% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	19.36%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	13.09%	12.31%	13.59% View Plan
Multiplier Birla Sun Life Rating	15.38%	14.25%	15.15% View Plan
Virtue II PNB MetLife Rating	13.33%	15.22%	14.41% View Plan
Equity II Fund Canara HSBC Life Rating	9.31%	9%	10.09% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.85%	8.65%	9.8% View Plan

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Last updated: Feb 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	30.49%	N/A	N/A	₹500	29.73%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	27.38%	21.07%	N/A	₹1,000	26.42%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	19.53%	21.14%	15.9%	₹500	19.14%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	21.36%	24.4%	17.52%	₹5,000	15.04%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	12.85%	10.52%	13.31%	₹100	11.82%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	11.99%	10.67%	13.83%	₹5,000	14.75%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	19.18%	17.19%	17.46%	₹100	14.19%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	11.63%	13.71%	16.97%	₹5,000	17.75%
SBI Gold ETF	₹8,810.86 Crs	31%	24.4%	15.7%	₹5,000	13.18%

Updated as of Feb 2026

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How Does an SBI SWP Plan Work?

The SWP plans offered by SBI mutual fund work in the following manner:

Choose a mutual fund: Pick an SBI mutual fund scheme that allows SWP, such as equity, hybrid, or debt funds.
Invest a lump sum: Start by investing a fixed amount, for example, ₹10 lakh.
Set SWP details: Decide how much you want to withdraw (₹5,000 to ₹70,000 or more), how often (monthly or quarterly), and when withdrawals should begin.
Automatic Redeem: SBI Mutual Fund automatically sells a small number of units at regular intervals to pay your withdrawal amount.
Remaining money keeps growing: The amount left invested stays in the market and continues to grow based on fund performance.

Benefits of an SWP Plan SBI

Below are the benefits of the systematic withdrawal plan SBI:

Regular Income: An SBI SWP provides a predictable and consistent income stream, which can be helpful for managing your expenses.
Tax Efficiency: Withdrawals from SBI Tax Saver mutual funds/ ELSS funds are more tax-efficient than receiving interest income, as Section 80C and capital gains tax rules apply.
Rupee Cost Averaging: By withdrawing a fixed amount regularly, you are essentially selling units at different NAVs. This can potentially average out the cost of your remaining units over time.

Investment Strategy for SBI SWP Plans

Planners usually follow the following strategy for SWP plans in general:

Typically, withdrawing 4–7% per year of your SWP corpus is considered sustainable, balancing income needs with long-term growth.
For example:
- ₹10 lakh corpus × 6% → ₹60,000 per year → ₹5,000/month
- ₹1.2 crore corpus × 7% → ₹8.4 lakh per year → ₹70,000/month

*These figures assume reasonable market returns of 8-10% on average.

Conclusion

The SBI SWP Plans offer a thoughtful way to convert your long-term investment plans into a steady income stream without breaking the growth journey of your money. With better tax efficiency than many traditional income options and the flexibility to adapt withdrawals as needs change, SWP fits well into modern financial planning. When combined with the right fund selection and a disciplined withdrawal approach, SBI SWP can protect capital, manage volatility, and support inflation-adjusted income.

FAQs

Can I modify or stop my SBI SWP?

Yes, you can usually modify or stop your SBI SWP. You can change the withdrawal amount, frequency, or date, or even stop the SWP altogether. You will need to inform SBI Mutual Fund as per the prescribed procedure.
Who can start an SBI SWP?

Any investor who already has a mutual fund investment in an eligible SBI Mutual Fund scheme can opt for an SWP. You must have units in the growth option to start systematic withdrawals.
What is the minimum amount required for SBI SWP?

To register an SWP with SBI Mutual Fund, you typically need a minimum investment corpus (e.g., ₹1 lakh) and a minimum withdrawal amount (often ₹1,000 per month), depending on the scheme chosen.
How often can I receive SWP payouts?

You can choose various frequencies for withdrawals — monthly, quarterly, half-yearly, or annually — depending on the SWP option chosen at the time of setup.
How does the SWP withdrawal get credited?

The withdrawal amount is debited from your mutual fund units on the chosen date and credited directly to your linked bank account automatically.