See withdrawals, the remaining corpus and the first month a payment may not be fully funded.
Free to use · No sign-up · Download your illustrationIllustrative constant-rate path. Real market returns vary; this is not historical performance.
Compare remaining corpus and fully funded payment months; a zero closing balance alone does not show when income stops.
| Year | Cumulative withdrawals | Cumulative growth | Remaining corpus |
|---|---|---|---|
| 1 | ₹3,60,000 | ₹3,86,983 | ₹50,26,983 |
| 2 | ₹7,20,000 | ₹7,76,125 | ₹50,56,125 |
| 3 | ₹10,80,000 | ₹11,67,599 | ₹50,87,599 |
| 4 | ₹14,40,000 | ₹15,61,590 | ₹51,21,590 |
| 5 | ₹18,00,000 | ₹19,58,301 | ₹51,58,301 |
| 6 | ₹21,60,000 | ₹23,57,948 | ₹51,97,948 |
| 7 | ₹25,20,000 | ₹27,60,768 | ₹52,40,768 |
| 8 | ₹28,80,000 | ₹31,67,012 | ₹52,87,012 |
| 9 | ₹32,40,000 | ₹35,76,957 | ₹53,36,957 |
| 10 | ₹36,00,000 | ₹39,90,897 | ₹53,90,897 |
| 11 | ₹39,60,000 | ₹44,09,152 | ₹54,49,152 |
| 12 | ₹43,20,000 | ₹48,32,068 | ₹55,12,068 |
| 13 | ₹46,80,000 | ₹52,60,016 | ₹55,80,016 |
| 14 | ₹50,40,000 | ₹56,93,401 | ₹56,53,401 |
| 15 | ₹54,00,000 | ₹61,32,657 | ₹57,32,657 |
| 16 | ₹57,60,000 | ₹65,78,252 | ₹58,18,252 |
| 17 | ₹61,20,000 | ₹70,30,696 | ₹59,10,696 |
| 18 | ₹64,80,000 | ₹74,90,535 | ₹60,10,535 |
| 19 | ₹68,40,000 | ₹79,58,361 | ₹61,18,361 |
| 20 | ₹72,00,000 | ₹84,34,814 | ₹62,34,814 |
All reported unclaimed mutual fund amounts, not SWP withdrawals. Current bank mandates and records matter when arranging payouts.
A simple guide with a worked example, practical limitations and linked references. Read it before turning an illustration into a decision.
Read the SWP guide →762 words · General education · Prasar Knowledge StudioAt the end of each month, apply monthly growth first, then withdraw the smaller of the scheduled amount and the available balance. Annual withdrawal increases apply after each twelve months.
Illustrative only. Mutual fund returns are not fixed or guaranteed. Market risk, costs, taxes and the timing of cash flows can change outcomes. This is general education, not personalised investment advice. An SWP redeems your own investment units; it is not fixed interest or guaranteed income.
Our scope and disclosures →Planning India-linked goals from abroad? Explore NRI records and distribution context →
Explore a monthly contribution, work backwards from a target, or plan an education goal.
Open calculator →Invest & growCompare a rising contribution with a flat SIP using the same growth assumption.
Open calculator →Invest & growEstimate a one-time investment’s growth and its value after inflation.
Open calculator →