INCOME TAX11 Sept 2026
SWP: Here's how to generate ₹50,000 per month as steady income while keeping your corpus invested | Mint
A systematic withdrawal plan, or SWP, lets mutual fund investors pull out a fixed amount each month or quarter while the rest of the corpus stays invested. Mint explains how much you must invest to get ₹50,000 monthly after retirement, for periods of five to thirty years. Only the capital gains part of each withdrawal is taxed, so check the figures with an expert.
Key Statutory Highlights
- In a systematic withdrawal plan, units are sold as per a standing instruction to give you the income you asked for.
- If you set ₹10,000 a month and the net asset value is ₹20, then 500 units are sold to fund that payout.
- Only the capital gains portion of each withdrawal is taxed, not the full amount you take out.
Actionable Advice for Taxpayers / Founders:If you want steady monthly cash flow after retirement, ask a certified financial or tax expert to work out the corpus your own target needs, and check the tax on the gains before you start the plan.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
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