Best SWP Funds for Senior Citizens in December 2025: Kotak Debt Hybrid Fund, Canara Robeco Conservative Hybrid Fund and More Based on XIRR Returns

For retirees, maintaining predictable income while preserving capital remains a priority. Traditional avenues such as fixed deposits or pension payouts may not always keep pace with rising living costs. 

Systematic Withdrawal Plans (SWPs) offer an alternative, enabling regular withdrawals while the remaining investment continues to participate in market-linked growth.

Conservative hybrid funds are often preferred by senior citizens due to their combination of debt stability and limited equity exposure. 

Below is the December 2025 update of the top-performing schemes based on Return XIRR%.

Best SWP Funds for Senior Citizens in December 2025

Note: Data as of December 3, 2025.

How These SWP Returns Were Calculated?

Returns shown in the table are derived from a Systematic Withdrawal Plan (SWP) carried out under a uniform set of parameters. The objective is to assess how each conservative hybrid fund has managed consistent withdrawals while preserving (or depleting) the invested capital over time.

Under this model:

• Lumpsum Investment: ₹10,00,000
• Investment Date: 1 January 2019
• Monthly Withdrawal (SWP): ₹30,000
• Withdrawal Frequency: Monthly
• SWP Date: 10th of each month
• SWP Start Date: 1 February 2019
• SWP End Date: 1 December 2025
• Plan Type: Regular
• Category Considered: Hybrid – Conservative funds only

Overview of the Top 5 Hybrid Conservative Funds

1. Kotak Debt Hybrid Fund

Kotak’s conservative hybrid offering continues to lead this category, balancing fixed-income instruments with a measured equity allocation.

The fund seeks to generate steady returns from its debt portfolio while maintaining limited equity exposure for incremental growth.

2. Canara Robeco Conservative Hybrid Fund

Known for its focus on debt securities, the fund adopts a disciplined allocation strategy supported by marginal equity exposure.

It aims to provide consistent income potential while managing overall volatility effectively.

3. SBI Conservative Hybrid Fund

This fund places emphasis on debt and money market instruments, supplemented by selective equity positions.

It is designed for investors seeking stability alongside modest growth over extended periods.

4. ICICI Prudential Regular Savings Fund

The scheme primarily invests in debt and money market instruments with an objective to deliver long-term appreciation.

5. LIC MF Conservative Hybrid Fund

Focused largely on debt-based instruments, the fund aims to provide regular income alongside controlled exposure to market risks.

SWP Cash Flow Summary for December 2025

These figures highlight how each conservative hybrid fund has sustained monthly withdrawals over the evaluation period. The current value reflects the remaining corpus after all instalments have been paid out.

Read More: Best Defence Sector Mutual Funds in December 2025 Based on 1-Yr Returns.

Conclusion

The December 2025 results highlight that conservative hybrid funds have continued to support monthly withdrawals while navigating fluctuating market conditions. Their XIRR performance reflects the combined effect of income withdrawals, market movements, and the residual corpus reinvested over time.

Past performance should not be assumed to continue, and careful assessment remains essential before selecting a fund for retirement income.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/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 in the securities market are subject to market risks, read all the related documents carefully before investing.