SBI Bandhan SWP

These days individuals are constantly seeking innovative solutions to manage their investments and secure the financial well-being of their loved ones. Recognizing this need, SBI Mutual Fund introduced the Bandhan SWP (Systematic Withdrawal Plan) in February 2018. This unique facility provides a structured approach to giving financial assistance to immediate family members, while also leveraging the potential of mutual fund investments.

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

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.)

+ 15.79 17.49 16.77 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.13 14.43 14.55 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.61 14.79 14.23 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.42 13.27 13.64 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.08 12 13.57 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 12.83 13.3 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.27 11.54 13.22 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.62 12.84 12.93 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.71 11.3 12.74 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.62 11.99 12.39 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.13 14.43 14.55 %

View Fund

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.61 14.79 14.23 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.08 12 13.57 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 12.83 13.3 %

View Fund

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.62 12.84 12.93 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.71 11.3 12.74 %

View Fund

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.62 11.99 12.39 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.98 10.46 12 %

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Bluechip Equity Fund

AUM (Cr)

₹965

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.83 11.19 11.78 %

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Super 20

AUM (Cr)

₹2,097

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.41 10.06 11.57 %

View Fund

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.79 17.49 16.77 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.42 13.27 13.64 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.27 11.54 13.22 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,938

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21 18.96 22 %

View Fund

High Growth Fund

AUM (Cr)

₹12,572

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.85 19.5 17.59 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.51 13.09 14.1 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,553

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.78 11.82 12.45 %

View Fund

Flexi Cap

AUM (Cr)

₹1,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.99 11.78 12.18 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,551

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.28 11.53 11.84 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹526

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.3 10.29 10.69 %

View Fund

Asset Allocation

AUM (Cr)

₹242

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.13 8.4 9.72 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹823

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.66 6.84 7.28 %

View Fund

Debt Fund

AUM (Cr)

₹499

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.27 6.81 7.03 %

View Fund

Bond Fund

AUM (Cr)

₹117

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.98 6.58 6.92 %

View Fund

Conservative Fund

AUM (Cr)

₹189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.8 6.59 6.9 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹171

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.2 6.39 6.85 %

View Fund

Steady Money Fund

AUM (Cr)

₹77

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.42 6.43 6.81 %

View Fund

Bond Fund

AUM (Cr)

₹16,781

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.29 6.29 6.62 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹172

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.6 5.98 6.6 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.21 6.45 6.59 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹904

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.47 14.83 14.83 %

View Fund

Balanced Fund

AUM (Cr)

₹354

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.57 9.36 9.89 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹62

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.68 8.44 9.61 %

View Fund

Creator

AUM (Cr)

₹460

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.49 8.54 9.53 %

View Fund

Balanced Fund

AUM (Cr)

₹5,072

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.46 8.39 9.48 %

View Fund

Balanced Fund

AUM (Cr)

₹21,160

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.07 8.33 9.27 %

View Fund

Balancer II

AUM (Cr)

₹807

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.28 8.81 9.24 %

View Fund

Growth Fund

AUM (Cr)

₹6,860

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.59 8.58 9.13 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹272

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.63 8.26 9.07 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,775

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.27 8.39 8.86 %

View Fund

What is SBI Bandhan SWP?

Bandhan SWP is a specialized Systematic Withdrawl Plan facility that allows you to systematically withdraw a pre-determined amount from your SBI Mutual Fund investments and transfer it directly to the bank account of an immediate family member. This empowers you to provide regular financial support for their monthly sustenance, lifestyle maintenance, or recurring expenses.

Essentially, it's a structured way to give financial assistance while leveraging your existing mutual fund investments.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Top 300 Fund SBI Life Rating	8.88%	10.5%	11.55% View Plan
Opportunities Fund HDFC Life Rating	12.42%	13.27%	13.64% View Plan
High Growth Fund Axis Max Life Rating	17.85%	19.5%	17.59% View Plan
Opportunities Fund ICICI Prudential Life Rating	11.28%	11.53%	11.84% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	18.96%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	12.27%	11.54%	13.22% View Plan
Multiplier Birla Sun Life Rating	14.37%	13.37%	14.74% View Plan
Virtue II PNB MetLife Rating	12.61%	14.79%	14.23% View Plan
Equity II Fund Canara HSBC Life Rating	8.46%	8.24%	9.73% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.49%	8.34%	9.68% View Plan

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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	28.91%	N/A	N/A	₹500	28.94%
Bandhan Small Cap Fund Regular-Growth	₹20,474.12 Crs	26.07%	20.2%	N/A	₹1,000	25.81%
Motilal Oswal Midcap Fund Regular-Growth	₹33,689.20 Crs	17.76%	19.95%	15.5%	₹500	18.83%
ICICI Prudential Infrastructure Fund-Growth	₹8,097.89 Crs	20.26%	23.55%	17.35%	₹5,000	14.94%
Canara Robeco Large Cap Fund Regular-Growth	₹17,103.62 Crs	11.03%	9.6%	12.89%	₹100	11.61%
Mirae Asset Large Cap Fund Direct- Growth	₹40,184.41 Crs	10.21%	9.85%	13.44%	₹5,000	14.5%
Kotak Midcap Fund Regular-Growth	₹61,694.40 Crs	17.96%	16.27%	17.08%	₹100	14.06%
SBI Small Cap Fund-Growth	₹34,931.73 Crs	10.62%	13.02%	16.74%	₹5,000	17.62%
SBI Gold ETF	₹24,897.99 Crs	33.28%	25.87%	16.3%	₹5,000	13.46%

Updated as of Mar 2026

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Key Features of Bandhan SWP

Beneficiary Focus:

Designed to support immediate family members (spouse, parents, children, or siblings).
Regular Payouts:

Provides consistent income streams to the beneficiary.
Direct Transfer:

Funds are directly credited to the beneficiary's bank account.
Tax-Friendly:

Transfers are treated as gifts, potentially offering tax advantages.

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

How to Start Bandhan SWP?

For New SBI Mutual Fund Investors:
- Invest in an SBI Mutual Fund Scheme:
  
  Choose an open-ended fund, preferably with a growth option.
- Opt for Bandhan SWP:
  
  Specify the beneficiary details, withdrawal amount, duration, and frequency.
- Provide Beneficiary Details:
  
  The beneficiary must be an Indian resident and an immediate family member.
- Set Withdrawal Parameters:
  
  The minimum monthly withdrawal is ₹5,000, and the minimum duration is 1 year.
- Submit KYC Documents:
  
  Include proof of the relationship between the investor and the beneficiary.
- Provide Bank Details:
  
  Submit a cancelled cheque leaf or bank statement/passbook of the beneficiary for direct credit.
- Receive Regular Payouts:
  
  Funds will be credited to the beneficiary's account on the specified date.
For Existing SBI Mutual Fund Investors (Growth Plan):
- You can directly activate the Bandhan SWP facility.

Start An Sip Today Watch Your Money Grow

Benefits of Bandhan SWP

Regular Cash Flows to Your Loved Ones:
- Provides a reliable source of income for your family members.
- Offers flexibility in choosing the withdrawal amount and frequency.
- Facilitates seamless financial support.
Tax Benefits:
- Transfers are considered gifts to immediate family members, which are generally tax-free under current Indian tax laws.
- It is important to remember that any income generated from the gifted money, such as interest, will be taxable according to the beneficiary's income tax slab.
Long-Term Wealth Creation Opportunity:
Investing in suitable SBI Mutual Fund growth schemes can help build wealth over time.
This allows the investor to provide for their loved ones, while also maintaining their own investment growth.

Conclusion

SBI Bandhan SWP is a valuable tool for individuals seeking to provide consistent financial support to their loved ones. Its unique structure, tax-friendly nature, and potential for long-term wealth creation make it an attractive option, A diversified portfolio often includes investments from the best SIP plans available in the market, particularly for middle-aged investors and those approaching retirement. It provides a structured method to provide for loved ones, while maintaining the benefits of investing in mutual funds.

SBI Bandhan SWP

Best SIP Funds

What is SBI Bandhan SWP?

Key Features of Bandhan SWP

Beneficiary Focus:

Regular Payouts:

Direct Transfer:

Tax-Friendly:

How to Start Bandhan SWP?

For New SBI Mutual Fund Investors:

Invest in an SBI Mutual Fund Scheme:

Opt for Bandhan SWP:

Provide Beneficiary Details:

Set Withdrawal Parameters:

Submit KYC Documents:

Provide Bank Details:

Receive Regular Payouts:

For Existing SBI Mutual Fund Investors (Growth Plan):

Benefits of Bandhan SWP

Regular Cash Flows to Your Loved Ones:

Tax Benefits:

Long-Term Wealth Creation Opportunity:

Conclusion

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