Top 3 SWP Debt Liquid Funds for Monthly Income: Rs 30,000 Monthly Withdrawals

Introduction

Systematic Withdrawal Plans (SWP) offer investors the ability to withdraw a fixed amount at regular intervals, making them perfect for those looking for a stable income source. In this article, we examine the top three SWP debt liquid funds where a Rs 10,00,000 investment provides Rs 30,000 in monthly withdrawals. We also analyse each fund’s XIRR performance and overall return.

1. Quant Liquid Fund – Growth Plan

• Launch Date: 5th September 2005
• Lumpsum Investment Amount: Rs 10,00,000
• No. of Monthly Installments: 47 (Withdrawal started from Jan 2014 to November 2017)
• Total Withdrawal Amount: Rs 14,10,000
• Monthly Withdrawal Amount: Rs 30,000
• Current Value: Rs 14,898
• Return Rate: 9.52%
• XIRR: 9.75%

Quant Liquid Fund stands out for its impressive return rate of 9.52% and XIRR of 9.75%. Over a period of 47 monthly installments, this fund has enabled investors to withdraw Rs 30,000 each month while retaining a healthy current value. The Quant Liquid Fund is an excellent choice for those seeking stable income generation with high returns.

2. Navi Liquid Fund – Regular Growth

• Launch Date: 19th February 2010
• Lumpsum Investment Amount: Rs 10,00,000
• No. of Monthly Installments: 46 (Withdrawal started from Jan 2014 to October 2017) 
• Total Withdrawal Amount: Rs 13,80,000
• Monthly Withdrawal Amount: Rs 30,000
• Current Value: Rs 24,123
• Return Rate: 9.17%
• XIRR: 9.45%

Navi Liquid Fund offers an attractive return of 9.17% and an XIRR of 9.45%. With Rs 30,000 monthly withdrawals, investors have successfully withdrawn a total of Rs 13,80,000 across 46 months, while the fund’s remaining value still looks promising. This fund strikes a great balance between regular income and capital preservation.

3. Tata Liquid Fund – Regular Growth

• Launch Date: 5th September 2004
• Lumpsum Investment Amount: Rs 10,00,000
• No. of Monthly Installments: 46 (Withdrawal started from Jan 2014 to October 2017) 
• Total Withdrawal Amount: Rs 13,80,000
• Monthly Withdrawal Amount: Rs 30,000
• Current Value: Rs 18,897
• Return Rate: 9.08%
• XIRR: 9.30%

With a slightly lower return of 9.08%, Tata Liquid Fund remains a stable option for investors who prefer a steady income without high risk. Offering Rs 30,000 in monthly withdrawals, this fund has returned a total of Rs 13,80,000 across 46 months and continues to provide consistent returns with an XIRR of 9.30%.

Note: In a Systematic Withdrawal Plan (SWP), the monthly withdrawals come from the returns or the initial capital. For all three funds, the withdrawal amount was set at Rs 30,000 per month.

Quant Liquid Fund: Over 47 months, a total of Rs 14,10,000 was withdrawn, depleting most of the Rs 10,00,000 initial investment plus returns.

Navi Liquid Fund & Tata Liquid Fund: Both lasted 46 months, with Rs 13,80,000 withdrawn. The slightly shorter period reflects their slightly lower returns compared to Quant.

Conclusion

The top three SWP debt liquid funds we’ve covered demonstrate the potential for stable monthly withdrawals of Rs 30,000 on a Rs 10,00,000 investment, while also offering impressive XIRR returns. Whether you’re seeking higher returns or prefer a more conservative approach, these funds offer a range of options tailored to your income needs.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making related decisions.