₹
💡 Consider Inflation Impact
Current India inflation: ~3.7% (RBI projection for FY26)
Recommended: Match inflation rate
SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount regularly from your mutual fund investment. The remaining amount continues to grow based on market performance.
💡 Smart Withdrawal Strategy
Consider increasing your withdrawal amount annually by the inflation rate to maintain purchasing power. Current India inflation is at historic lows (~3.7%), but long-term average is around 4.5%.
Nominal SWP Results
Total Investment
₹5,00,000
Total Withdrawal
₹6,00,000
Final Value
₹5,218
Effective Annual Return
1.2%
🔥 Inflation Reality Check
Real Final Value
₹4,200
In today's purchasing power
Purchasing Power Loss
19.5%
Over 5 years
Last Year's ₹10,000 Worth
₹8,050
In today's money
Recommended Final Year Withdrawal
₹11,970
To maintain purchasing power
⚠️ Key Insight: Without adjusting for inflation, your ₹10,000 monthly withdrawal will buy 19.5% less in year 5. Consider increasing withdrawals annually or investing in inflation-beating assets.
Monthly Breakdown
| Month | Balance at Begin | Withdrawal | Interest Earned | Balance at End |
|---|
