SWP: Turn a Mutual Fund Into a Tax-Smart Monthly Salary

An SWP pays you a fixed sum monthly by redeeming a few fund units, not by paying interest.

Only the gain portion of each withdrawal is taxed, so your effective tax rate stays low.

Equity-fund SWPs held over a year get ₹1.25 lakh of LTCG tax-free, then 12.5%.

Withdraw less than your fund grows and the corpus can outlive you.

A bank FD taxes the whole interest at slab; SWP taxes only a slice of each payout.

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