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.
What SWP can do for you
Let's say you had an investment of ₹2 Cr in Nifty 50 Index earning a CAGR of 8.43% and set up a SWP to withdraw ₹1 lakh monthly for 20 years. Over this period, you withdrew ₹2.4 Cr in total, yet your remaining investment stayed invested, getting a chance to grow. And after 20 years? You still have ₹4.03 Cr left in your investment—that’s the power of SWP!
₹ 2,00,00,000
Total Invested
Amount
8.34%
Nifty 50 Index
CAGR over 20 years
₹ 1,00,000
Monthly SWP
Amount
20 Years
SWP
Duration
Total Withdrawn
Amount
Residual
Amount
Disclaimer: Data as on 28th February 2025. Period: 01 February 2005 to 28th February 2025. The above simulation is for illustration purposes, and the actual result may vary. Bandhan Mutual Fund/AMC does not provide assurance or guarantee of performance of SWP feature. Past performance may or may not be sustained in future. Investment in Mutual Funds is subject to market and various other risks and there are various factors that can impact the performance of this feature. It is advisable to consult with your financial advisor to understand the terms and conditions of this feature before investing. For tax purpose please contact your tax advisor. The tax impact is based on the prevailing Indian tax laws, with Securities Transaction Tax (STT) excluded for simplicity. For ease of calculation, the applicable tax rates effective from July 23, 2024, have been considered: 20% for Short-Term Capital Gains (STCG) and 12.5% for Long-Term Capital Gains (LTCG). The calculations do not account for the grandfathering clause, i.e., the fair market value as of January 31, 2018. It is recommended to consult your tax advisor for personalized guidance.
Intrigued? Watch these videos to learn more about the Salary Wala Plan in English.
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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.