"The best way to face the unexpected is to be ready for it.”
Life doesn’t always go the way you expect. Some expenses can be predicted like child’s education, EMIs, or travel, while others arrive unannounced. A medical emergency, a job transition, or even an opportunity you didn’t want to miss. To be ready for both, your money needs a strategy that adapts with you, one that builds wealth when you invest and supports you when you need it.
SIP for LIFE Calculator
Understand your future cashflow requirements better before you begin.
This calculator estimates your SWP withdrawals based on the corpus accumulated through SIP investments over a fixed tenure. After the SIP period ends, you can specify your desired withdrawal amount (subject to minimum limits) and choose to initiate SWP from the same scheme or switch your corpus to another applicable scheme based on your risk preference.
SWP Calculator
This calculator estimates your SWP withdrawals based on the corpus accumulated through SIP investments over a fixed tenure. After the SIP period ends, you can specify your desired withdrawal amount (subject to minimum limits) and choose to initiate SWP from the same scheme or switch your corpus to another applicable scheme based on your risk preference.
Result
Total Investment -
You invested a total of ₹ over years.
Portfolio Value (at SIP Maturity) -
Your value grew to ₹ .
Monthly SWP Amount -
You plan to withdraw
₹ every month.
SWP Duration - Your monthly withdrawals will last for approx.
years.
SWP Continues
Total Withdrawal Amount -
You’ll withdraw a total of
₹ over the SWP period.
Total Withdrawal Amount -
SWP Continues
Amount (₹)
SWP ContinuesType of Value
Total Investment -
Portfolio Value (at SIP Maturity) -
Over years
SWP Continues
Total Withdrawal Amount -
Over years
Not sure? Click on Back to go back and adjust your plan.
You can start with ₹1,000 per month. Monthly frequency is mandatory under SIP for LIFE.
Yes. You can invest in any eligible equity or hybrid scheme of Aditya Birla Sun Life Mutual Fund. You can register for multiple schemes individually.
Schemes eligible for the SIP phase are referred to as Source Schemes. These include all equity and hybrid schemes, except ABSL International Fund, ABSL ELSS Tax Saver, and ABSL Regular Savings Fund.
Schemes eligible for the SWP phase are referred to asTarget Schemes. These include all equity, debt, hybrid, and domestic fund-of-funds (FoF) schemes, except ABSL ELSS Tax Saver and Target Maturity Funds .
SWP begins automatically in the month following the end of your SIP tenure. You can choose SIP tenures starting from 8, 10, 12, 15, 20, 25, or 30 years. If you have selected a different Target Scheme, your corpus will be switched within 15 days before SWP begins.
Yes. You can select any withdrawal amount (subject to minimum withdrawal limits of the chosen scheme).If you do not specify an amount, the default payout matrix will apply.
The default withdrawal matrix is:
Yes, you are provided two options during initial registration:
• Continue SWP from the same (source) scheme, or
• Switch to a different (target) scheme — the default being the Balanced Advantage Fund, if no choice is specified.
While mutual fund returns are market-linked and not guaranteed, you can use our SIP and SWP calculator to get an estimate of potential corpus and SWP payouts.
SIP for LIFE is ideal for investors with long-term goals who want a single solution for creating wealth and receiving cash flows. It’s suitable for those seeking simplicity, structure, and flexibility in their investments.
SIP for LIFE is an optional facility offered by the AMC and does not in any way give guarantee, assurance, promise or indication of the performance of any of the schemes of the Fund or provide any guarantee of withdrawals through SWP mode or the returns that can be generated under this facility. The SWP for amount decided by the unit holders will be processed up to 31 Dec 2099 or till the time units are available in the underlying scheme in the unitholders folio.
SWP is a facility to withdraw fixed amount periodically from the investments by redeeming units. Thus, withdrawals happen from capital and appreciation portion of the investments.
The default SWP amounts as per the matrix are applicable only when investors do not mention SWP amount in the application form.
The default SWP amount as per the matrix do not in any manner indicate returns or assurance on the amount the investor will make or obtain by investing under the Facility. It only indicates the likely amount that can be withdrawn through SWP and for ease of understanding and planning of investment, it is depicted as number of times (1.25 x, 2 x, etc.) the monthly SIP installments opted by the investor.
Investors are requested to read all the terms and conditions of SIP for LIFE mentioned in the SIP for LIFE application form available on the website www.mutualfund.adityabirlacapital.com to have a better and complete understanding of the facility.
Please read the Scheme Information Document(s) / Key Information Memorandum(s) of the concerned Scheme(s) and Statement of Additional Information carefully and will be bound by the terms and conditions of this facility and provisions of the concerned Scheme(s).
All Terms and Conditions applicable for SIP and SWP shall also be applicable for registrations under SIP for LIFE.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
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