BOI MF Goal Is Precious One 728x90

SWP with Annual Increase - SBI Focused Equity Reg Gr

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Systematic Withdrawal Plan Calculator

Scheme AMC Name Withdrawal Period No of Monthly Installments Total Withdrawal Amount Current Value as on Return (%) as on
SBI Focused Equity Reg Gr | Invest Online SBIMF 20-07-2012 to 25-03-2023 129 214592.77735289998 52886.34 17.1

SBI Focused Equity Reg Gr

Nav Date Nav Units Cumulative Units Cash Flow Net Amount Capital Gain/Loss No. of Days
(Invested)
Current Value
20-07-2012 48.36 2067.8246484698097 2067.8246484698097 100000.0 100000.0 0.00 0 100000.0
20-07-2012 48.36 20.678246484698096 2047.1464019851117 -1000.0 99000.0 0.00 0 99000.0
21-08-2012 49.96 20.0160128102482 2027.1303891748635 -1000.0 98000.0 32.03 32 101275.43
20-09-2012 51.45 19.43634596695821 2007.6940432079052 -1000.0 97000.0 60.06 62 103295.86
22-10-2012 53.83 18.57700167193015 1989.117041535975 -1000.0 96000.0 101.62 94 107074.17
20-11-2012 55.72 17.946877243359655 1971.1701642926153 -1000.0 95000.0 132.09 123 109833.6
20-12-2012 59.16 16.903313049357674 1954.2668512432576 -1000.0 94000.0 182.56 153 115614.43
21-01-2013 60.68 16.47989452867502 1937.7869567145826 -1000.0 93000.0 203.03 185 117584.91
20-02-2013 58.80 17.00561695528033 1920.7813397593022 -1000.0 92000.0 177.61 215 112949.82
20-03-2013 54.37 18.392428205156502 1902.3889115541458 -1000.0 91000.0 110.54 243 103433.27
22-04-2013 54.99 18.1849261510149 1884.203985403131 -1000.0 90000.0 120.58 276 103613.51
20-05-2013 58.32 17.14539466126701 1867.0585907418638 -1000.0 89000.0 170.85 304 108895.63
20-06-2013 53.21 18.793989682099664 1848.2646010597641 -1000.0 88000.0 91.12 335 98343.39
22-07-2013 53.00 20.755539370427883 1827.5090616893362 -1100.0 86900.0 96.26 367 96854.14
20-08-2013 48.24 22.80303155939568 1804.7060301299405 -1100.0 85800.0 -2.75 396 87057.58
20-09-2013 50.06 21.972578222378473 1782.733451907562 -1100.0 84700.0 37.41 427 89247.92
21-10-2013 51.37 21.414401769218937 1761.319050138343 -1100.0 83600.0 64.40 458 90474.2
20-11-2013 53.04 20.738712955473982 1740.580337182869 -1100.0 82500.0 97.08 488 92321.95
20-12-2013 54.84 20.057217772153653 1720.5231194107153 -1100.0 81400.0 130.03 518 94358.82
20-01-2014 56.00 19.642506383814574 1700.8806130269006 -1100.0 80300.0 150.09 549 95251.02
20-02-2014 54.27 20.269099941403876 1680.6115130854967 -1100.0 79200.0 119.79 580 91206.45
20-03-2014 57.19 19.23282028328196 1661.3786928022148 -1100.0 78100.0 169.90 608 95020.73
21-04-2014 60.92 18.056497138045206 1643.3221956641696 -1100.0 77000.0 226.79 640 100111.02
20-05-2014 64.41 17.078279068395403 1626.2439165957742 -1100.0 75900.0 274.09 669 104745.23
20-06-2014 70.37 15.631972214879932 1610.6119443808943 -1100.0 74800.0 344.04 700 113336.51
21-07-2014 76.64 15.789089086999187 1594.8228552938951 -1210.0 73590.0 446.44 731 122219.57
20-08-2014 77.72 15.56970983722576 1579.2531454566695 -1210.0 72380.0 457.05 761 122731.66
22-09-2014 82.76 14.620271671229965 1564.6328737854394 -1210.0 71170.0 502.96 794 129491.83
20-10-2014 79.94 15.13697713315661 1549.495896652283 -1210.0 69960.0 477.98 822 123861.59
20-11-2014 85.83 14.098390453175867 1535.397506199107 -1210.0 68750.0 528.20 853 131776.11
22-12-2014 86.79 13.941987505213842 1521.4555186938933 -1210.0 67540.0 535.77 885 132044.39
20-01-2015 92.55 13.074197692674236 1508.381321001219 -1210.0 66330.0 577.73 914 139598.73
20-02-2015 93.88 12.88840980456484 1495.4929111966542 -1210.0 65120.0 586.72 945 140401.06
20-03-2015 91.48 13.227354168420295 1482.2655570282338 -1210.0 63910.0 570.33 973 135593.35
20-04-2015 91.45 13.231244983608565 1469.0343120446253 -1210.0 62700.0 570.14 1,004 134343.48
20-05-2015 89.88 13.462409281719271 1455.571902762906 -1210.0 61490.0 558.96 1,034 130826.66
22-06-2015 87.84 13.774465328760058 1441.7974374341459 -1210.0 60280.0 543.87 1,067 126652.82
20-07-2015 92.15 14.443590778673403 1427.3538466554726 -1331.0 58949.0 632.51 1,095 131532.94
20-08-2015 94.69 14.056750831154238 1413.2970958243184 -1331.0 57618.0 651.22 1,126 133821.71
21-09-2015 90.17 14.761268914608666 1398.5358269097096 -1331.0 56287.0 617.15 1,158 126103.74
20-10-2015 93.37 14.254579725510984 1384.2812471841987 -1331.0 54956.0 641.65 1,187 129255.19
20-11-2015 91.76 14.505879185970603 1369.7753679982281 -1331.0 53625.0 629.50 1,218 125684.97
21-12-2015 91.09 14.611264615381238 1355.1641033828469 -1331.0 52294.0 624.40 1,249 123447.45
20-01-2016 85.32 15.600441172506185 1339.5636622103407 -1331.0 50963.0 576.56 1,279 114289.03
22-02-2016 84.93 15.671877281311964 1323.8917849290287 -1331.0 49632.0 573.11 1,312 112437.07
21-03-2016 89.51 14.870029684199002 1309.0217552448298 -1331.0 48301.0 611.89 1,340 117169.1
20-04-2016 94.38 14.102907784360076 1294.9188474604698 -1331.0 46970.0 648.98 1,370 122211.46
20-05-2016 93.44 14.245075228124552 1280.6737722323453 -1331.0 45639.0 642.11 1,400 119660.78
20-06-2016 95.76 13.899172001992458 1266.774600230353 -1331.0 44308.0 658.84 1,431 121307.73
20-07-2016 101.03 14.491964635686598 1252.2826355946663 -1464.1 42843.9 763.27 1,461 126516.11
22-08-2016 103.81 14.10367807278311 1238.1789575218831 -1464.1 41379.8 782.05 1,494 128535.11
20-09-2016 105.95 13.818169462987482 1224.3607880588957 -1464.1 39915.700000000004 795.85 1,523 129726.78
20-10-2016 105.80 13.838492009856417 1210.5222960490391 -1464.1 38451.600000000006 794.87 1,553 128072.17
21-11-2016 97.04 15.087639388827458 1195.4346566602117 -1464.1 36987.50000000001 734.46 1,585 116004.62
20-12-2016 97.22 15.059193812163787 1180.3754628480478 -1464.1 35523.40000000001 735.84 1,614 114759.64
20-01-2017 98.11 14.923608371735554 1165.4518544763123 -1464.1 34059.30000000001 742.39 1,645 114338.17
20-02-2017 103.29 14.175079317899945 1151.2767751584124 -1464.1 32595.20000000001 778.59 1,676 118911.81
20-03-2017 105.36 13.89608639282616 1137.3806887655862 -1464.1 31131.100000000013 792.09 1,704 119835.11
20-04-2017 109.23 13.40404767267061 1123.9766410929155 -1464.1 29667.000000000015 815.88 1,735 122769.95
22-05-2017 108.84 13.452140205094373 1110.5245008878212 -1464.1 28202.900000000016 813.55 1,767 120866.93
20-06-2017 114.38 12.800046160947836 1097.7244547268733 -1464.1 26738.800000000017 845.09 1,796 125560.36
20-07-2017 118.04 13.644076914670192 1084.080377812203 -1610.51 25128.29000000002 950.68 1,826 127961.92
21-08-2017 114.76 14.03397936002663 1070.0463984521764 -1610.51 23517.78000000002 931.83 1,858 122796.28
20-09-2017 123.38 13.053609841736602 1056.9927886104397 -1610.51 21907.270000000022 979.24 1,888 130408.18
23-10-2017 122.20 13.178757006669121 1043.8140316037704 -1610.51 20296.760000000024 973.19 1,921 127559.29
20-11-2017 128.73 12.510933890165482 1031.303097713605 -1610.51 18686.250000000025 1,005.48 1,949 132757.79
20-12-2017 135.71 11.866905796289855 1019.4361919173151 -1610.51 17075.740000000027 1,036.63 1,979 138352.17
22-01-2018 140.07 11.498230475797463 1007.9379614415177 -1610.51 15465.230000000027 1,054.46 2,012 141177.74
20-02-2018 131.08 12.286419414024206 995.6515420274935 -1610.51 13854.720000000027 1,016.34 2,041 130510.5
20-03-2018 129.19 12.466202905640602 983.185339121853 -1610.51 12244.210000000026 1,007.64 2,069 127017.81
20-04-2018 137.26 11.732972179077338 971.4523669427756 -1610.51 10633.700000000026 1,043.10 2,100 133345.05
21-05-2018 135.06 11.924562892145756 959.5278040506298 -1610.51 9023.190000000026 1,033.84 2,131 129592.1
20-06-2018 133.85 12.03223618150521 947.4955678691246 -1610.51 7412.680000000026 1,028.63 2,161 126821.9
20-07-2018 132.29 13.391050566010353 934.1045173031142 -1771.561 5641.119000000026 1,123.97 2,191 123576.8
20-08-2018 138.78 12.76570707980544 921.3388102233088 -1771.561 3869.5580000000264 1,154.21 2,222 127858.79
21-09-2018 133.87 13.233620830040293 908.1051893932685 -1771.561 2097.9970000000267 1,131.58 2,254 121566.41
22-10-2018 121.02 14.638749745906827 893.4664396473617 -1771.561 326.43600000002675 1,063.63 2,285 108126.06
20-11-2018 126.87 13.964021909714257 879.5024177376474 -1771.561 -1445.1249999999732 1,096.26 2,314 111579.04
20-12-2018 132.47 13.373733728806778 866.1286840088407 -1771.561 -3216.6859999999733 1,124.81 2,344 114732.34
21-01-2019 130.27 13.598803438617121 852.5298805702236 -1771.561 -4988.246999999973 1,113.92 2,376 111061.88
20-02-2019 127.67 13.875703356057947 838.6541772141657 -1771.561 -6759.807999999973 1,100.53 2,406 107074.0
20-03-2019 137.93 12.844137069013017 825.8100401451526 -1771.561 -8531.368999999973 1,150.42 2,434 113902.0
22-04-2019 140.96 12.568139816184425 813.2419003289682 -1771.561 -10302.929999999973 1,163.77 2,467 114631.73
20-05-2019 143.41 12.35271558633808 800.8891847426302 -1771.561 -12074.490999999973 1,174.18 2,495 114859.28
20-06-2019 143.43 12.351087890145683 788.5380968524845 -1771.561 -13846.051999999972 1,174.26 2,526 113102.86
22-07-2019 140.69 13.851367958961585 774.686728893523 -1948.7170999999998 -15794.769099999972 1,278.86 2,558 108988.89
20-08-2019 135.08 14.426680870879117 760.2600480226439 -1948.7170999999998 -17743.48619999997 1,251.04 2,587 102693.87
20-09-2019 141.00 13.820904297797552 746.4391437248463 -1948.7170999999998 -19692.203299999972 1,280.34 2,618 105246.28
22-10-2019 147.51 13.210485998173718 733.2286577266726 -1948.7170999999998 -21640.920399999974 1,309.86 2,650 108160.69
20-11-2019 152.58 12.771563580358166 720.4570941463145 -1948.7170999999998 -23589.637499999975 1,331.08 2,679 109929.14
20-12-2019 153.40 12.703666931772252 707.7534272145423 -1948.7170999999998 -25538.354599999977 1,334.37 2,709 108567.96
20-01-2020 157.84 12.346084569968871 695.4073426445734 -1948.7170999999998 -27487.07169999998 1,351.66 2,740 109763.72
20-02-2020 162.49 11.992555412849343 683.4147872317241 -1948.7170999999998 -29435.78879999998 1,368.76 2,771 111050.73
20-03-2020 124.19 15.69151826406805 667.723268967656 -1948.7170999999998 -31384.505899999982 1,189.88 2,800 82924.02
20-04-2020 127.99 15.226089069534492 652.4971798981215 -1948.7170999999998 -33333.22299999998 1,212.38 2,831 83510.11
20-05-2020 124.02 15.713496296833862 636.7836836012876 -1948.7170999999998 -35281.940099999985 1,188.81 2,861 78971.05
22-06-2020 137.25 14.197816905359158 622.5858666959285 -1948.7170999999998 -37230.65719999999 1,262.11 2,894 85452.84
20-07-2020 141.99 15.096673939438327 607.4891927564902 -2143.5888099999997 -39374.24600999999 1,413.51 2,922 86257.88
20-08-2020 147.41 14.541431764606122 592.947760991884 -2143.5888099999997 -41517.83481999999 1,440.37 2,953 87407.91
21-09-2020 143.46 14.942316126855598 578.0054448650284 -2143.5888099999997 -43661.42362999999 1,420.98 2,985 82919.27
20-10-2020 146.03 14.679430610977306 563.3260142540511 -2143.5888099999997 -45805.01243999999 1,433.69 3,014 82260.64
20-11-2020 164.22 13.052930591854478 550.2730836621965 -2143.5888099999997 -47948.60124999999 1,512.35 3,045 90367.39
21-12-2020 170.57 12.566936227566147 537.7061474346303 -2143.5888099999997 -50092.19005999999 1,535.85 3,076 91718.53
20-01-2021 179.95 11.912268044101628 525.7938793905287 -2143.5888099999997 -52235.778869999995 1,567.51 3,106 94615.56
22-02-2021 187.05 11.459763169360635 514.3341162211681 -2143.5888099999997 -54379.367679999996 1,589.39 3,139 96208.0
22-03-2021 185.58 11.550498183842256 502.7836180373258 -2143.5888099999997 -56522.95649 1,585.01 3,167 93308.65
20-04-2021 186.47 11.495364023548564 491.28825401377725 -2143.5888099999997 -58666.5453 1,587.67 3,196 91612.58
20-05-2021 195.00 10.993011175636783 480.29524283814044 -2143.5888099999997 -60810.13411 1,611.97 3,226 93655.46
21-06-2021 207.91 10.310087306251976 469.98515553188844 -2143.5888099999997 -62953.72292 1,644.99 3,258 97715.46
20-07-2021 212.16 11.113813017966786 458.87134251392166 -2357.947691 -65311.670611 1,820.48 3,287 97355.84
20-08-2021 218.79 10.777002021075493 448.0943404928462 -2357.947691 -67669.618302 1,836.77 3,318 98040.53
20-09-2021 238.96 9.867462934467795 438.2268775583784 -2357.947691 -70027.565993 1,880.76 3,349 104719.53
20-10-2021 246.63 9.560749984085335 428.66612757429306 -2357.947691 -72385.51368399999 1,895.59 3,379 105721.03
22-11-2021 255.03 9.245791330643184 419.4203362436499 -2357.947691 -74743.46137499998 1,910.82 3,412 106964.47
20-12-2021 240.34 9.810936361892612 409.60939988175727 -2357.947691 -77101.40906599998 1,883.49 3,440 98444.99
20-01-2022 249.41 9.454064540056372 400.1553353417009 -2357.947691 -79459.35675699997 1,900.75 3,471 99803.14
21-02-2022 231.21 10.198179904555374 389.9571554371455 -2357.947691 -81817.30444799997 1,864.76 3,503 90163.01
21-03-2022 231.80 10.172165744407232 379.7849896927383 -2357.947691 -84175.25213899996 1,866.02 3,531 88035.64
20-04-2022 234.56 10.052607643732456 369.7323820490058 -2357.947691 -86533.19982999995 1,871.80 3,561 86724.72
20-05-2022 213.45 11.046931719264906 358.6854503297409 -2357.947691 -88891.14752099995 1,823.72 3,591 76560.76
20-06-2022 201.34 11.711540499087592 346.97390983065327 -2357.947691 -91249.09521199994 1,791.58 3,622 69858.13
20-07-2022 217.71 11.913711453318554 335.0601983773347 -2593.7424601 -93842.83767209994 2,017.60 3,652 72946.19
22-08-2022 229.27 11.312944139736146 323.74725423759855 -2593.7424601 -96436.58013219993 2,046.65 3,685 74226.21
20-09-2022 238.19 10.889526082668693 312.8577281549299 -2593.7424601 -99030.32259229993 2,067.12 3,714 74518.61
20-10-2022 233.14 11.12512357276313 301.73260458216674 -2593.7424601 -101624.06505239992 2,055.73 3,744 70346.78
21-11-2022 232.60 11.151301121904766 290.581303460262 -2593.7424601 -104217.80751249992 2,054.47 3,776 67587.9
20-12-2022 231.26 11.21554341590015 279.3657600443619 -2593.7424601 -106811.54997259991 2,051.36 3,805 64607.02
20-01-2023 223.87 11.586019369870588 267.7797406744913 -2593.7424601 -109405.2924326999 2,033.44 3,836 59947.4
20-02-2023 220.29 11.773982725389297 256.00575794910196 -2593.7424601 -111999.0348927999 2,024.35 3,867 56396.63
20-03-2023 216.71 11.968493343306529 244.03726460579543 -2593.7424601 -114592.7773528999 2,014.95 3,895 52886.34

Mutual Fund Investors are aware about Systematic Withdrawal Plan or SWP as it is known popularly. What is SWP and how it works can be read here Mutual Fund SWP: Smart investment solution for cash flow needs and wealth creation . In a normal SWP, generally investors can withdraw a fixed amount at a fixed frequency from their investments. However, we can try another innovative way of doing SWP You can call it SWP with Annual increase or Step-up SWP. The concept is that you can decide to increase the SWP amount annually by a certain percentage / or by a fixed amount. This helps you get higher regular cash flow which helps you spend more in future as the inflation keeps increasing with time. But most of the AMCs do not provide SWP with Annual increase facility through a standard product or feature. Therefore, if you want to use this innovative option, you should submit SWP mandate annually to the AMC by increasing the amount to the extent you want.

You can back test the results, by selecting an equity/ hybrid or any aggressive scheme of your choice, input the lump sum investment and SWP amount, select the to/ from dates, frequency in which you want to draw the SWP amount, the annual increase in SWP amount, etc. You will get the results along with detailed cash flow, returns in XIRR Percentage and the SWP amounts which are transferred to your bank account on the given dates/ frequency. This method of SWP is ideal for investors who want not only a sustainable income from their investments but also wanting to increase their cash flows annually to meet the increasing incomes due to rising inflation. To get the best results from SWP with annual increase, you should start SWP with a moderate amount and increase it by the extent of increase in inflation.

Advisorkhoj develops innovative mutual fund research tools and Calculators that may help you in your investments. Mutual Fund Distributors who wish to display MF Research and calculators on their website may write to sales@advisorkhoj.com for APIs.

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