HDFC Mutual Fund Launches SWAP Top-Up For Higher Annual Withdrawals: What It Means For Investors

HDFC Mutual Fund Launches SWAP Top-Up For Higher Annual Withdrawals: What It Means For Investors HDFC Mutual Fund launches SWAP Top-Up offline from December 22, 2025, letting investors annually increase withdrawal amounts in eligible schemes after 12 months. HDFC Mutual Fund has introduced “SWAP Top-Up" feature via offline mode for investors or unitholder. It allows them to opt for an annual increase in their withdrawal amount through SWAP on completion of one year from the date of registration of SWAP. The feature is available from December 22, 2025. Recommended Stories A Systematic Withdrawal Plan (SWP) in mutual funds allows investors to withdraw a fixed amount at regular intervals-monthly, quarterly, or annually-from their investment instead of redeeming the entire amount at once. The remaining money stays invested and continues to earn returns, making SWP useful for regular income needs like retirement or expenses. Key features of this facility are as under: - 1. Initial SWAP Amount/Rate: As opted by the Investor/Unitholder. 2. Top Up Frequency: Annual (Any month after completing 12 months from date of SWAP registration and thereafter same month of every following year). 3. Top Up Rate To be specified by Investor/Unitholder. 4. Top Up Amount Rs. 100 and in Multiples of Rs. 100 thereof 5. Eligible Schemes All schemes offering SWAP facility shall be eligible schemes to offer SWAP Top-Up facility. Understand with an illustration: If an investor/unitholder opts for a SWAP of Rs 2,000 per month in April 2025 with an annual top-up of 10%. The withdrawal amount will start at Rs 2,000 per month. After completing 12 months from the SWAP registration date, the monthly amount will increase by 10% (i.e. Rs 200) to Rs 2,200, effective from the following April 2026. The next increase will be to Rs 2,420 in April of the subsequent year, and so on - applying a 10% increment each year. If an investor starts a SWAP of Rs 2,000 per month in May 2025. In December 2025, the investor opts for a standalone annual top-up of 10%. Since the top-up SWAP is eligible after 12 months from the original SWAP registration date, the increase will take effect in May 2026 (after completing 12 months). From May 2026, the monthly withdrawal amount will rise by 10%, i.e., from Rs 2,000 to Rs 2,200. Each May in the subsequent years, the amount will increase by 10% annually-for example, to Rs 2,420 in the following year, and so on. Click here to add News18 as your preferred news source on Google. Follow News18 on Google . Join the fun, play QIK games on News18 . Stay updated with all the latest business news, including market trends , stock updates , tax , IPO, banking finance , real estate, savings and investments. To Get in-depth analysis, expert opinions, and real-time updates. Also Download the News18 App to stay updated. News business savings-and-investments HDFC Mutual Fund Launches SWAP Top-Up For Higher Annual Withdrawals: What It Means For Investors Terms of Use and Privacy Policy .

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