Invest monthly with goal-based SIP during your earning years. At retirement, convert your corpus into SWP — and receive ₹50,000+ every month for life. No annuity trap. No lock-in.
See how a ₹5,000/month SIP started at age 30 grows into a ₹3.5 Crore corpus — then delivers ₹1 Lakh/month pension forever via SWP.
Unlike NPS or annuities, SIP gives you full control, higher returns, and the freedom to set your own pension amount via SWP.
Starting at 30 with ₹5,000/month at 12% returns builds ~₹3.5 Crore by age 60. Delay by 5 years and you get barely ₹1.8 Crore. Time is your biggest asset.
After retirement, activate Systematic Withdrawal Plan (SWP). Withdraw ₹50,000–₹1 Lakh every month. The rest of your corpus stays invested and keeps growing.
NPS forces you to buy an annuity with 40% of your corpus — often at 5–6% returns. With SIP + SWP, your full corpus stays yours with full withdrawal flexibility.
Equity SIP historically delivers 12–15% returns versus 5–6% annual inflation. Your retirement corpus actually grows faster than inflation erodes it.
SWP from equity funds: only the gains component is taxed at LTCG (12.5% above ₹1.25L/year). The principal returned is tax-free — far better than pension income tax slab.
Increase, pause, stop SIP anytime. Adjust SWP withdrawal amount post-retirement. Switch funds. Withdraw lumpsum in emergency. No rigid rules.
How much SIP do you need to retire comfortably? How much pension will your corpus give? Find out instantly.
At 8% annual SWP rate from your corpus — pension for life while corpus still grows at 12%.
Compare returns, flexibility, tax treatment, and annuity rules before choosing your retirement strategy.
| Parameter | SIP + SWP ✅ | NPS | PPF | EPF |
|---|---|---|---|---|
| Expected Returns | 12–15% p.a. (equity) | 8–10% (mixed) | 7.1% (fixed) | 8.25% (fixed) |
| Lock-in Period | None (voluntary) | Until age 60 | 15 years | Until age 58 |
| Annuity Compulsion | None — full corpus yours | 40% must buy annuity | None | None |
| Partial Withdrawal | Anytime, no penalty | After 10 yrs (limited) | After 7 yrs (limited) | Loans only |
| Monthly Pension Option | SWP — self-controlled | Annuity (rigid, low rate) | Not available | Not available |
| Tax on Withdrawal | LTCG 12.5% above ₹1.25L | 60% tax-free; 40% annuity taxable at slab | Fully tax-free | Tax-free (on conditions) |
| 80C / Tax Deduction | ELSS SIP: up to ₹1.5L | 80CCD(1B): extra ₹50K | Section 80C | Mandatory deduction |
| Best For | High returns + full flexibility + SWP pension | Government tax benefit + discipline | Risk-free, tax-free, long term | Salaried employees (mandatory) |
From app download to first SIP — takes under 5 minutes. Then watch your retirement corpus grow automatically.
Free on Google Play & App Store. iOS & Android.
Aadhaar + PAN OTP. Fully paperless & instant.
Enter current age, retirement age, & desired monthly pension.
AI picks the ideal fund mix — large cap, hybrid, or balanced advantage.
One-time e-mandate. SIP auto-debits every month.
At retirement, switch to SWP for monthly pension. Corpus keeps growing!
Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount monthly from your mutual fund. You get regular pension; remaining corpus stays invested.
If your corpus earns 12% and your SWP rate is 8%, the remaining 4% keeps compounding. Your pension is sustainable for 30+ years or forever.
In each SWP payment, only the gain component is taxable at LTCG (12.5%). The capital returned is tax-free — much better than pension income taxed at full slab rates.
Change the SWP amount anytime. Increase it if you need more. Pause it if you don't need money. Stop it and take a lumpsum for a major expense. Full freedom.
Started ₹10,000 SIP at 32 for retirement. Now at 42, my corpus is already ₹35 Lakh — exactly on track for ₹2 Crore at 60. The goal tracker is incredible.
I was comparing NPS vs SIP. Sanchay Karo's team explained SWP beautifully. No annuity, full control of my corpus after 60. Switched my entire retirement plan to SIP.
The retirement SIP calculator showed me I need ₹8,000/month to get ₹75,000/month pension at 60. I started immediately. Best financial decision of my life.
My husband and I both run retirement SIPs on Sanchay Karo. The step-up SIP feature means we automatically increase it 10% every year. Very smart system.
I'm 55 and thought it was too late. The advisor showed me that even a ₹20,000 SIP for 5 years builds ₹20 Lakh — enough for a decent SWP pension. Never too late!
The SWP pension concept explained by Sanchay Karo is brilliant. My corpus at 60 will generate more monthly income than my current salary — through SWP!
Everything you need to plan a worry-free retirement with SIP and SWP through Sanchay Karo.
Retirement SIP calculator, goal tracker, step-up SIP, and SWP pension planner — all in one free app. Start your retirement journey today.
Free to download. No hidden charges. Android 6.0+ and iOS 13.0+.
Every month you delay costs you lakhs in retirement corpus. Start your SIP for retirement now — even ₹500/month makes a difference. AMFI Registered. NSE MF Integrated. Safe & Simple.
Regulatory Disclosure: Sanchay Karo | AMFI Registered Mutual Fund Distributor | ARN-301757 | EUIN: E572917 | Registration: 22-07-2024 | Validity: 15-07-2027 | NSE MF Integrated | UDYAM-WB-12-0123391.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not indicative of future results. SIP returns and retirement corpus projections shown are illustrative examples only and are NOT guaranteed. This page does not constitute investment advice. We deal in Regular Plans and earn trailing commission — disclosed at the time of every investment. SWP/pension projections assume constant returns which may not be achieved in practice. Consult a SEBI Registered Investment Advisor for personalised retirement planning. Tax benefits applicable under Old Tax Regime only.
Regulatory Disclosure: www.sanchaykaro.com is an online website Registered name: Mr. PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-27 |BSE STARMF Member ID: 63447|NSEMF Member ID: 1009479|MSME: UDYAM-WB-12-0123391| Self-help tool, not advisory. No charges, no return guarantees. Mutual Funds are subject to market risks. Read scheme documents. Past performance may not sustain. Check Exit Loads & TER before investing. We deal only in Regular Plans (we earn trailing commission – disclosed at investment). Direct Plans (lower expense ratio) are available but we do not deal in them.
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