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

High Growth Fund

AUM (Cr)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.7 22.12 18.4 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.18 17.53 16.02 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 15.82 15.9 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.66 17.23 15.46 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.66 14.95 15.03 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 16.07 14.8 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.47 16.14 14.52 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.37 14.42 14.35 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.55 14.25 14.34 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹118

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.34 15.76 14.25 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.18 17.53 16.02 %

View Fund

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.66 17.23 15.46 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.66 14.95 15.03 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 16.07 14.8 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.47 16.14 14.52 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.37 14.42 14.35 %

View Fund

Future Apex Fund

AUM (Cr)

₹118

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.34 15.76 14.25 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,252

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.26 13.85 13.58 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹1,033

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.56 14.12 13.39 %

View Fund

Super 20

AUM (Cr)

₹2,224

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.37 13.68 13.25 %

View Fund

High Growth Fund

AUM (Cr)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.7 22.12 18.4 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 15.82 15.9 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.55 14.25 14.34 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,602

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 21.1 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.12 15.67 15.17 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹14,008

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 14.71 13.8 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,621

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.33 14.66 13.34 %

View Fund

Flexi Cap

AUM (Cr)

₹1,145

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.14 14.57 13.22 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹542

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.88 12.95 11.81 %

View Fund

Asset Allocation

AUM (Cr)

₹268

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.78 10.7 11.2 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹818

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.73 7.25 7.6 %

View Fund

Debt Fund

AUM (Cr)

₹506

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.46 7.39 7.44 %

View Fund

Steady Money Fund

AUM (Cr)

₹73

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.47 6.85 7.13 %

View Fund

Bond Fund

AUM (Cr)

₹119

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.87 6.9 7.11 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹184

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.66 6.47 7.04 %

View Fund

Debt Fund

AUM (Cr)

₹92

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.3 6.86 6.97 %

View Fund

Bond Fund

AUM (Cr)

₹18,103

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.32 6.7 6.95 %

View Fund

Secure Fund

AUM (Cr)

₹1,026

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.75 6.69 6.94 %

View Fund

Bond Fund

AUM (Cr)

₹1,663

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.27 6.38 6.82 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹931

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.14 16.95 15.92 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.48 11.4 10.92 %

View Fund

Balanced Fund

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.41 10.61 10.59 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹67

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.62 9.99 10.4 %

View Fund

Creator

AUM (Cr)

₹482

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.81 10.26 10.39 %

View Fund

Balanced Fund

AUM (Cr)

₹22,439

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.49 10.23 10.25 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹281

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.61 10.44 10.25 %

View Fund

Balancer II

AUM (Cr)

₹835

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.71 10.68 10.17 %

View Fund

Growth Fund

AUM (Cr)

₹7,398

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.26 10.36 10.03 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.58 9.79 9.83 %

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

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
Equity Fund SBI Life Rating	13.49%	13.09%	12.48% View Plan
Opportunities Fund HDFC Life Rating	19.5%	15.82%	15.9% View Plan
High Growth Fund Axis Max Life Rating	22.7%	22.12%	18.4% View Plan
Opportunities Fund ICICI Prudential Life Rating	16.33%	14.66%	13.34% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	21.1% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	17.55%	14.25%	14.34% View Plan
Multiplier Birla Sun Life Rating	19.5%	16.12%	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	13.16%	11.5%	11.31% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	15.2%	-	14.8% View Plan

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Last updated: Nov 2025

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%

Last updated: Nov 2025

Compare more funds

Buying the Dip Results in Higher Returns

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, 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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