SWP vs Lump Sum Withdrawal
Compare drawing income monthly against withdrawing everything now.
Withdrawing a corpus in one go stops all future compounding and can push the entire gain into a single tax year. Staying invested and drawing monthly keeps the remaining balance growing: on ₹1 crore at 8%, an SWP of ₹60,000 a month pays out ₹1.8 crore over 25 years and still leaves a balance.
Your Inputs
SWP total value
SWP
₹2.83 Cr
Lump sum
₹1.99 Cr
Withdraw-now value
₹1,98,97,889
Difference
₹84,28,914
How this works
Tax is the hidden cost of a full withdrawal
Redeeming everything in one year stacks all gains into that year, uses up your ₹1.25 lakh equity exemption once, and can push you into surcharge territory. Spreading redemptions across years uses the exemption repeatedly.
Frequently asked questions
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