Salary Wala Plan
Make your investments pay you
What if your investments could pay you—just like a salary? That’s exactly what a Systematic Withdrawal Plan (SWP) does. It lets you withdraw a fixed amount at regular intervals while the rest of your money stays invested and gets a chance to grow. No waiting. No guesswork. Just a predictable cash flow to fund your life—whether for monthly expenses, lifestyle upgrades, or long-term goals.
That’s why we call it the Salary Wala Plan — because it helps you create a regular income, just like a salary!
Try our SWP calculator
Want to see how SWP can work for you? Use our SWP Calculator to find out how much you could withdraw over time—and what your investment might be worth at the end.
Disclaimer: Past performance may or may not be sustained in future and is not a guarantee of any future returns. Please note that these calculators are for illustrations only and do not represent actual returns. The calculator alone is not sufficient and shouldn't be used for the development or implementation of an investment strategy. This tool is created to help the investor take an informed decision and is not an investment process in itself. Investors are advised to seek professional advice from financial, tax and legal advisor before investing.
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Got questions? We’ve got answers!
A SWP, or Systematic Withdrawal Plan, is a feature offered by mutual funds that lets you withdraw a fixed amount regularly from your investment. For example, you can choose to receive a set sum every month, providing a steady stream of income without needing to sell all your units at once. Withdrawals can be fixed or vary based on your investment value. The rest of the corpus continues to stay invested and potentially grow.
A SWP enables you to withdraw a fixed amount from your mutual fund at regular intervals, such as monthly or quarterly.
Here’s how it works:
- You invest a lumpsum or make periodic investments in a mutual fund.
- You set up a SWP, deciding the amount and frequency of withdrawals. The fund sells units to generate the requested amount, which is transferred to your account.
- Withdrawals continue until the plan is stopped or the investment is fully used up.
Anyone with a mutual fund investment can use a SWP. It’s especially useful for retirees or individuals seeking a regular income stream from their investments. However, early withdrawals from certain retirement accounts may incur penalties, so review the account’s terms before setting up a SWP.
SWPs do not have interest rates. Instead, your withdrawals are funded by redeeming mutual fund units. The growth or decline of your investment depends on the performance of the fund’s underlying assets, making it different from fixed-income options like FDs.