Best SWP Funds for Senior Citizens in November 2025: Kotak Debt Hybrid Fund, SBI Conservative Hybrid Fund and More Ranked by XIRR Returns

For senior citizens, consistent income during retirement remains essential. Traditional options like fixed deposits and pensions may not always match inflation or changing living expenses. Systematic Withdrawal Plans (SWPs) offer an alternative allowing investors to withdraw a fixed amount periodically while the remaining corpus continues to stay invested and earn potential returns.

Between 2018 and 2025, Hybrid Conservative Funds have been used by many retirees to balance safety and modest growth.

Below is an overview of how select conservative hybrid schemes performed based on a ₹10 lakh investment made in November 2018, with a monthly withdrawal of ₹12,000 starting November 2019, running until November 2025.

Best SWP Funds for Senior Citizens in November 2025

Note: The data above is as of November 3, 2025.

Funds are sorted based on Return XIRR%, calculated for a ₹10 lakh lumpsum investment (Nov 2018), with a monthly SWP of ₹12,000 starting Nov 2019 and ending Oct 2025. Other parameters include total withdrawal amount, current value, and number of monthly installments (72).

Overview of Top 5 Hybrid Conservative Funds

1. Kotak Debt Hybrid Fund

The Scheme seeks to enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments. By investing in debt securities

NAV (as of Oct 30, 2025): ₹59.16

2. SBI Conservative Hybrid Fund

The scheme seeks to provide the investors an opportunity to invest primarily in Debt and Money market instruments and secondarily in equity and equity related instruments.

NAV (as of Oct 30, 2025): ₹81.14

3. ICICI Prudential Regular Savings Fund

The scheme seeks to generate long-term capital appreciation by investments in money market and debt instruments.

NAV (as of Oct 30, 2025): ₹77.43

4. Canara Robeco Conservative Hybrid Fund

The fund seeks to generate to income through investment primarily in debt securities with marginal exposures in equity and money market instruments of various maturities and risk profile.

NAV (as of Oct 30, 2025): ₹97.97

5. Aditya Birla Sun Life Regular Savings Fund

The scheme primarily seeks to generate regular income through a predominant exposure to debt and money market instruments.

NAV (as of Oct 30, 2025): ₹68.42

Read More: Best Semiconductor Stocks In November 2025: CG Power, Hitachi and More Based On 5-Year CAGR.

Conclusion

The performance data above illustrates how hybrid conservative funds have managed periodic withdrawals across varying market conditions. Each fund’s XIRR reflects the combined effect of returns, withdrawals, and reinvested balance over the six-year period.

However, investors should note that past returns are not indicative of future performance. The appropriate choice of fund depends on factors such as individual financial goals, income requirements, and comfort with market linked products.

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.