Top SWP Funds for Senior Citizens in July 2026 – Based on 5 Year Returns

In July 2026, several SWP funds emerged as top choices for senior citizens based on their 5-year returns. These funds, managed by experienced professionals, offer a range of financial metrics and investment categories to suit diverse preferences. 

Top SWP Funds Based on 5 Year Returns 

Note: The above-mentioned funds are from Dynamic Asset Allocation. Data as of June 30, 2026. 

HDFC Balanced Advantage Fund (G) 

Managed by Gopal Agrawal, the HDFC Balanced Advantage Fund (G) is an open-ended fund with an AUM of ₹1,04,016.2 crore and an expense ratio of 1.36%.  

Since its inception on September 11, 2000, it has been benchmarked against the NIFTY 50 Hybrid Composite Debt 50:50 Index. The fund's NAV stands at ₹519.4, with a 52-week high of ₹539.05 and a low of ₹483.48. Over 5 years, it has delivered a return of 14.37%. 

Baroda BNP Paribas Balanced Advantage Fund-Reg (G) 

Jitendra Sriram manages the Baroda BNP Paribas Balanced Advantage Fund, which has an AUM of ₹4,871 crore and an expense ratio of 1.89%.  

Launched on November 14, 2018, it follows the BSE 200 benchmark. The NAV is ₹25.47, with a 52-week high of ₹25.72 and a low of ₹22.97. The 5-year return is 11.21%. 

ICICI Pru Balanced Advantage Fund (G) 

Rajat Chandak manages the ICICI Pru Balanced Advantage Fund (G), which has an AUM of ₹70,569.6 crore and an expense ratio of 1.39%.  

It was launched on December 30, 2006, and is benchmarked against the CRISIL Hybrid 50+50 - Moderate Index. The NAV is ₹77.17, with a 52-week high of ₹78.29 and a low of ₹71.79. The fund has achieved a 5-year return of 10.97%. 

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Bank of India Balanced Advantage Fund-Reg (G) 

Managed by Alok Singh the Bank of India Balanced Advantage Fund has an AUM of ₹156 crore and an expense ratio of 2.05%.  

It was launched on March 14, 2014, and follows the NIFTY 50 Hybrid Composite Debt 50:50 Index. The NAV is ₹25.88, with a 52-week high of ₹26.35 and a low of ₹24.37. Its 5-year return is 7.22%. 

Axis Balanced Advantage Fund-Reg (G) 

Jayesh Sundar manages the Axis Balanced Advantage Fund, which has an AUM of ₹3,749.8 crore and an expense ratio of 1.9%.  

Launched on August 1, 2017, it is benchmarked against the NIFTY 50 Hybrid Composite Debt 50:50 Index. The NAV is ₹21.28, with a 52-week high of ₹21.8 and a low of ₹20.03. The 5-year return is 9.85%. 

Conclusion 

In July 2026, the HDFC Balanced Advantage Fund (G) leads with a 5-year return of 14.37%, followed by Baroda BNP Paribas at 11.21% and ICICI Pru at 10.97%. Bank of India and Axis funds offer returns of 7.22% and 9.85%, respectively. 

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Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.