HDFC SWP Plan

What is the HDFC SWP Plan?

SWP HDFC Plan is a smart option for regular withdrawals from your mutual fund investment. SWP means Systematic Withdrawal Plan. It allows you to withdraw a fixed amount at regular intervals, like monthly, quarterly, or yearly, from your HDFC mutual fund scheme. This helps you manage expenses while keeping your money invested. You can customise the withdrawal amount and frequency as per your needs. It is useful for retirement income or extra cash flow.

SWP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

17.33%

High Growth Fund

16.94%

Top 200 Fund

13.13%

Accelerator Mid-Cap Fund II

13.73%

Opportunities Fund

9.46%

Growth Plus Fund

12.23%

Accelerator Fund

13.27%

Grow Money Plus Fund

14.31%

Multiplier

10.91%

Equity Top 250 Fund

12.02%

Future Apex Fund

11.37%

Opportunities Fund

13.56%

Frontline Equity Fund

15.2%

Virtue II

9.93%

Pension Dynamic Equity Fund

11.39%

Top 300 Fund

9.47%

Blue-Chip Equity Fund

Best HDFC SWP Plans in Mutual Funds 2025

Details of Top 5 HDFC SWP Plans in Mutual Funds 2025

1. HDFC Small Cap Fund

   This plan allows regular withdrawals from investments focused on smaller companies, offering income while tapping into the growth potential of the small-cap sector.

   • Fund Objective:

     Seeks long-term growth by investing mainly in small-cap stocks (65%+), focusing on companies with strong growth potential and sound financials.

   • Inception Date:

     10 December 1999

   • Benchmark:

     BSE 250 Smallcap TRI

   • NAV:

     ₹131.76

   • Fund Manager:

     Chirag Setalvad and Dhruv Mucchal

2. HDFC Infrastructure Fund

   With this plan, you can make regular withdrawals from investments in infrastructure-related sectors, helping you benefit from the growth in this area.

   • Fund Objective:

     Invests in infrastructure sectors like power and construction, aiming for long-term capital appreciation.

   • Inception Date:

     10 December 1999

   • Benchmark:

     BSE India Infrastructure TRI

   • NAV:

     ₹44.21

   • Fund Manager:

     Srinivasan Ramamurthy and Dhruv Mucchal

3. HDFC Flexi Cap Fund

   This plan offers regular withdrawals from a diversified portfolio with flexible equity allocation, providing both income stability and growth potential.

   • Fund Objective:

     Aims for growth by investing in a mix of large, mid, and small-cap stocks, with flexible allocations based on market conditions.

   • Inception Date:

     10 December 1999

   • Benchmark:

     Nifty 500 TRI

   • NAV:

     ₹1,924.79

   • Fund Manager:

     Roshi Jain and Dhruv Mucchal

4. HDFC Retirement Savings Fund

   Designed specifically for retirees, this plan ensures a steady income stream from investments tailored to meet your post-retirement financial needs.

   • Fund Objective:

     Helps build retirement wealth by balancing equity and debt for long-term growth and risk management.

   • Inception Date:

     10 December 1999

   • Benchmark:

     Nifty 500 TRI

   • NAV:

     ₹51.03

   • Fund Manager:

     Shobhit Mehrotra, Srinivasan Ramamurthy, and Dhruv Mucchal

5. HDFC Large and Midcap Fund

   This plan allows you to make regular withdrawals from a mix of large and mid-sized companies, balancing stability with the potential for growth.

   • Fund Objective:

     Focuses on long-term growth through a mix of large and mid-cap stocks, balancing risk and returns.

   • Inception Date:

     10 December 1999

   • Benchmark:

     Nifty Large Midcap 250 TRI

   • NAV:

     ₹308.55

   • Fund Manager:

     Gopal Aggarwal and Dhruv Mucchal

Best HDFC SWP Plans in ULIP for 2025

Details of Top 5 HDFC SWP Plans in ULIP for 2025

1. HDFC Life Discovery Fund

   HDFC Life Discovery Fund aims to achieve long-term capital growth by mainly investing in mid-cap companies. It focuses on stocks within the market cap range of the Nifty Midcap 100 index. The fund can also invest a part of its portfolio in stocks outside this range, along with limited exposure to fixed income instruments and cash for liquidity.

   • Fund Objective:

     To achieve long-term capital growth by investing predominantly in mid-cap companies, with flexibility to invest a part in other stocks, fixed income instruments, and cash for liquidity.

   • Inception Date:

     03 September 2018

   • Benchmark:

     Nifty MidCap 100

   • NAV:

     ₹34.55

   • Fund Manager:

     Nishit Dholakia

2. HDFC Life Flexi Cap Fund

   HDFC Life Flexi Cap Fund aims to generate superior long-term returns by investing in companies across large-cap, mid-cap, and small-cap segments. This flexibility helps the fund capture growth opportunities across different market sizes and sectors.

   • Fund Objective:

     To generate superior long-term returns by investing in large-cap, mid-cap, and small-cap companies.

   • Inception Date:

     26 October 2023

   • Benchmark:

     NSE Nifty 500

   • NAV:

     ₹13.2

   • Fund Manager:

     Priyank Singhal

3. HDFC Life Equity Advantage Fund

   HDFC Life Equity Advantage Fund aims to deliver long-term capital growth by investing in a diversified portfolio of companies across large-cap, mid-cap, and small-cap segments. It also has the flexibility to invest up to 20% in fixed income instruments, money market instruments, cash, deposits, and liquid mutual funds for stability.

   • Fund Objective:

     To achieve long-term capital growth through diversified investments across all market caps with limited exposure to fixed income and cash for liquidity.

   • Inception Date:

     07 February 2019

   • Benchmark:

     BSE-200 TRI

   • NAV:

     ₹24.39

   • Fund Manager: ]

     Priyank Singhal

4. HDFC Life Diversified Equity Fund

   HDFC Life Diversified Equity Fund aims to generate long-term capital appreciation by investing in high-potential companies across large-cap, mid-cap, and small-cap segments. The fund also actively manages asset allocation across equities, government securities, money market instruments, and cash for balanced growth.

   • Fund Objective:

     To generate long-term capital appreciation through diversified equity investments and active asset allocation across equity and debt instruments.

   • Inception Date:

     01 Jul 2014

   • Benchmark:

     BSE-100 TRI

   • NAV:

     ₹36.58

   • Fund Manager:

     Kailash Lalwani and Priyank Singhal

5. HDFC Life Balanced Fund

   HDFC Life Balanced Fund aims to provide a balance between stability and growth by investing in both debt and equity securities. The debt portion offers stability, while the equity portion helps in achieving long-term capital appreciation.

   • Fund Objective:

     To combine stability of debt instruments with long-term capital appreciation from equities.

   • Inception Date:

     08 September 2010

   • Benchmark:

     BSE-100 (60%) + CRISIL Composite Bond Fund (40%) Index

   • NAV:

     ₹36.32

   • Fund Manager:

     Abhishek Agarwal and Pranav Parekh

HDFC SWP Calculator

HDFC SWP Calculator is a helpful tool. It calculates how much money investors can withdraw every month or year from their HDFC mutual fund investment.This calculator helps plan steady cash flow while keeping track of investment value. It also shows the impact of withdrawals on future returns, helping smart financial and retirement planning.

Benefits of Investing in HDFC SWP Plans

The key advantages offered by the Systematic Withdrawal Plan HDFC are listed below:

• Offers regular income, making it suitable for retirees and those needing steady cash flow.
• Provides flexibility to choose withdrawal amount and frequency as per personal needs.
• Keeps the remaining money invested, giving chances for long-term capital growth.
• Works well with both debt and equity funds, ensuring tax efficiency and balanced returns.
• Easy to manage through HDFC Mutual Fund’s online platform, allowing hassle-free setup and tracking.

Conclusion

SWP HDFC Plan is a smart way to get regular income from your investments while keeping your money growing. It works well for retirees, freelancers, or anyone who wants monthly cash flow. HDFC Mutual Funds continue to offer flexible SWP options across equity, debt, and hybrid funds, making it a reliable choice for steady income.