ICICI SWP Plan

What is the ICICI SWP Plan?

The ICICI SWP Plan lets you withdraw a fixed amount from your mutual fund at regular intervals, like monthly or quarterly. It allows them to withdraw a fixed amount while the remaining money stays invested. This SWP plan is helpful for retirees or anyone needing a steady income. You don’t have to withdraw everything at once, and your money stays invested to earn returns. It’s a smart way to manage expenses while keeping your investment growing.

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)

16.82%

High Growth Fund

16.57%

Top 200 Fund

13.25%

Accelerator Mid-Cap Fund II

13.43%

Opportunities Fund

9.13%

Growth Plus Fund

11.71%

Accelerator Fund

12.71%

Grow Money Plus Fund

14.1%

Multiplier

10.7%

Equity Top 250 Fund

11.43%

Future Apex Fund

10.91%

Opportunities Fund

12.95%

Frontline Equity Fund

15.2%

Virtue II

9.52%

Pension Dynamic Equity Fund

11.03%

Top 300 Fund

9.19%

Blue-Chip Equity Fund

Best ICICI SWP Plans in Mutual Funds 2025

Details of Top 5 ICICI SWP Plans in Mutual Funds 2025

1. ICICI Prudential India Opportunities Fund

   This plan provides steady withdrawals while investing in special situations like corporate restructuring. It balances regular income with long-term capital growth.

   • Fund Objective: This fund aims to generate long-term capital growth by investing in special situations like corporate restructuring and regulatory changes.

   • Inception Date: 12 October 1993

   • Benchmark: Nifty 500 TRI

   • NAV: ₹34.75

   • Fund Manager: Sankaran Naren, Roshan Chutkey, and Sharmila D’mello

2. ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund

   This SWP helps you earn regular payouts while benefiting from the booming healthcare and pharma sectors. Ideal for stable returns in a high-growth industry.

   • Fund Objective: The fund seeks to capitalize on growth opportunities in the pharmaceutical, healthcare, and diagnostics sectors.

   • Inception Date: 12 October 1993

   • Benchmark: BSE Healthcare TRI

   • NAV: ₹37.26

   • Fund Manager: Dharmesh Kakkad and Sharmila D’mello

3. ICICI Prudential Midcap Fund

   It allows systematic withdrawals while tapping into the high-growth potential of midcap stocks. Aims for wealth creation with steady income.

   • Fund Objective: This fund targets long-term capital appreciation by investing primarily in mid-cap stocks.

   • Inception Date: 12 October 1993

   • Benchmark: Nifty Midcap 150 TRI

   • NAV: ₹279.24

   • Fund Manager: Lalit Kumar and Sharmila D’mello

4. ICICI Prudential Equity & Debt Fund

   This plan offers regular income with a balanced mix of equity and debt investments. Perfect for investors seeking both growth and stability.

   • Fund Objective: The fund aims to provide a balanced investment approach by allocating assets between equity and debt.

   • Inception Date: 12 October 1993

   • Benchmark: CRISIL Hybrid 35 + 65 Aggressive Index

   • NAV: ₹390.45

   • Fund Manager: Sankaran Naren, Manish Banthia, Mittul Kalawadia, Akhil Kakkar, Sri Sharma, Sharmila D’mello, and Nitya Mishra

5. ICICI Prudential Infrastructure Fund

   It provides periodic withdrawals while investing in India’s growing infrastructure sector. Ideal for long-term investors looking for steady cash flow.

   • Fund Objective: This fund invests in infrastructure-related sectors to capitalize on India's growth in this area.

   • Inception Date: 12 October 1993

   • Benchmark: BSE India Infrastructure TRI

   • NAV: ₹180.74

   • Fund Manager: Ihab Dalwai and Sharmila D’mello

Best ICICI SWP Plans in ULIP for 2025

Details of Top 5 ICICI SWP Plans in ULIP for 2025

1. ICICI Pru Life Bluechip Fund

   This plan allows investors to withdraw a fixed amount regularly while their investment in blue-chip stocks continues to grow. It is ideal for those looking for stable returns from top companies.

   • Fund Objective: Aims to provide long-term capital growth by investing mainly in large-cap equity stocks.

   • Inception Date: November 24, 2009

   • Benchmark: NIFTY 50

   • NAV: ₹43.20

   • Fund Manager: Jitendra Arora

2. ICICI Pru Life Maximiser V Fund

   This plan helps investors balance growth and income by withdrawing a regular amount from their equity investments. It is suitable for those who want to benefit from large and mid-cap stocks.

   • Fund Objective: Seeks to achieve long-term wealth creation through investments in equity and equity-related instruments of large and mid-cap companies.

   • Inception Date: August 29, 2011

   • Benchmark: BSE 100

   • NAV: ₹50.45

   • Fund Manager: Manish Kumar

3. ICICI Pru Life Multi Cap Growth Fund

   This plan provides a diversified income stream by investing across large, mid, and small-cap stocks. It ensures balanced growth with regular withdrawals.

   • Fund Objective: Focuses on delivering high long-term returns through a diversified portfolio of equity and equity-related instruments across large, mid, and small-cap stocks.

   • Inception Date: November 24, 2009

   • Benchmark: NIFTY 500

   • NAV: ₹51.56

   • Fund Manager: Gautam Sinha Roy

4. ICICI Pru Life Multi Cap Balanced Fund

   This plan combines equity and debt investments to offer a stable income through systematic withdrawals. It is perfect for investors seeking a balanced approach.

   • Fund Objective: Strives to balance capital appreciation and stable returns by investing in equity and debt instruments across large, mid, and small-cap companies.

   • Inception Date: November 24, 2009

   • Benchmark: 55% NIFTY 500 & 45% CRISIL Composite Bond Fund Index

   • NAV: ₹40.67

   • Fund Manager: Gautam Sinha Roy and Vidya Iyer

5. ICICI Pru Life Income Fund

   This plan focuses on generating steady income by investing in debt securities. It is ideal for those who prefer low-risk, regular withdrawals over market-linked growth.

   • Fund Objective: Aims to generate income accumulation by investing in a variety of fixed-income securities while ensuring capital appreciation, safety, and liquidity. 

   • Inception Date: November 24, 2009

   • Benchmark: CRISIL Composite Bond Fund Index

   • NAV: ₹31.02

   • Fund Manager: Arun Srinivasan

ICICI SWP Calculator

The ICICI SWP Calculator helps you to plan systematic withdrawals from ICICI Mutual Funds while ensuring steady cash flow. It allows you to easily estimate monthly withdrawals and the final matured sum based on the withdrawal amount and expected returns. 

This SWP calculator can optimize your withdrawals while keeping the remaining capital invested for growth. It ensures financial stability while benefiting from market-linked returns.

Benefits of Investing in ICICI SWP Plans

Following are the key benefits of investing in ICICI SWP Plans in India:

1. Regular Income Flow – 

   ICICI SWP plans provide a steady income by withdrawing fixed amounts from ICICI Mutual Funds at chosen intervals.

2. Customizable Withdrawals – 

   Investors can select withdrawal frequency (monthly, quarterly, or annually) based on their financial needs.

3. Tax-Efficient Returns – 

   Long-term capital gains on equity funds up to ₹1 lakh are tax-free, while debt funds have indexation benefits.

4. Market-Linked Growth – 

   Investments continue to grow in ICICI Mutual Funds, offering potential capital appreciation.

5. Flexibility & Liquidity – 

   Withdraw anytime without penalty while keeping the remaining amount invested.

6. Rupee Cost Averaging – 

   Withdrawals during market fluctuations help manage risk effectively.

7. Ideal for Retirees – 

   Ensures financial stability by converting lump sum investments into a regular income stream.

Conclusion

The ICICI Systematic Withdrawal Plan (SWP) is a flexible investment option that allows you to withdraw a fixed amount regularly from your mutual fund investments. It provides a steady income stream while keeping your investments intact. With options for monthly, quarterly, or annual withdrawals, it suits retirees and helps with their retirement planning, investors seeking regular income, or anyone looking for financial flexibility. The ICICI SWP is ideal for balancing long-term growth with short-term liquidity.