At an average annual return of 8% in equity or hybrid mutual funds, a ₹1.7 Crores corpus sustains ₹1 Lakh / month monthly withdrawals for 30+ Years. Over 20 years, you withdraw ₹2,40,00,000 while leaving ₹2,48,53,606 in remaining portfolio value.

In an SWP, each monthly payout is treated as a partial redemption of units. Only the capital gains portion (not the principal) is taxable. For equity funds held over 12 months, LTCG is taxed at 12.5% only on aggregate profits exceeding ₹1.25 Lakhs in a financial year, making it vastly more tax-efficient than 30% slab rate FD interest.

Yes. Most Indian AMCs (HDFC, SBI, ICICI Prudential, Nippon) allow annual step-up SWP percentages (e.g. 5% to 6% annual increase) to match rising living costs, provided your underlying portfolio return exceeds your total withdrawal rate.