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

For senior citizens seeking stable returns, Systematic Withdrawal Plans (SWPs) offer a reliable income stream.  

Here, we explore the top 5 SWP funds in June 2026 that have demonstrated strong performance over the past 5 years. 

Top SWP Funds Based on 5 Year Returns 

Note: The above-mentioned funds are from Dynamic Asset Allocation. Data as of June 1, 2026. 

1. HDFC Balanced Advantage Fund (G) 

5-Year Return: 14.73% 

Key Metrics: 

- Category: Hybrid Dynamic (HY-DYN) 

- AUM: ₹1,05,377.6 crore 

- Expense Ratio: 1.27% 

- Exit Load: 1.00% 

- Fund Manager: Gopal Agrawal 

HDFC Balanced Advantage Fund leads the pack with an impressive 14.73% return over 5 years, making it the top choice for senior citizens seeking regular income through SWP. With the largest AUM at ₹1,05,377.6 crore in this category (over ₹1 lakh crore), the fund offers excellent liquidity and stability. The moderate expense ratio of 1.27% ensures that returns aren't significantly eroded by costs and exit load of 1% and Fund is managed by Gopal Agrawal and NAV is 504.89 as of June 1, 2026. 

2. BarodaBNP Paribas Balanced Advantage Fund-Reg (G)  

 5-Year Return: 11.12% 

 Key Metrics: 

- Category: Hybrid Dynamic (HY-DYN) 

- AUM: ₹4,755.8 crore 

- Expense Ratio: 1.61% 

- Exit Load: 1.00% 

- Fund Manager: Sanjay Chawla 

Baroda BNP Paribas Balanced Advantage Fund-Reg (G) 5-year return of 11.12% is lower than HDFC's. The fund's dynamic asset allocation strategy helps reduce equity exposure when markets are expensive, providing downside protection and its NAV is 25.05 as of June 1, 2026. 

3. ICICI Pru Balanced Advantage Fund (G) 

 5-Year Return: 10.40% 

 Key Metrics: 

- Category: Hybrid Dynamic (HY-DYN) 

- AUM: ₹70,551.4 crore 

- Expense Ratio: 1.39% 

- Exit Load: Nil (-) 

- Fund Manager: Rajat Chandak 

ICICI Pru Balanced Advantage Fund is one of the largest funds in this category with an AUM of ₹70,551.4 crore. A key advantage is zero exit load, making it highly liquid for senior citizens who may need flexibility in withdrawals. The fund's 10.40% five-year return is respectable, and its large size ensures stability and professional management, and its NAV is 75.13 as of June 1, 2026. 

4. Bank of India Balanced Advantage Fund-Reg (G) 

5-Year Return: 9.87% 

Key Metrics: 

- Category: Hybrid Dynamic (HY-DYN) 

- AUM: ₹152.7 crore 

- Expense Ratio: 2.10% 

- Exit Load: 1.00% 

- Fund Manager: Alok Singh 

Bank of India Balanced Advantage Fund-Reg (G) has the highest expense ratio (2.10%) and smallest AUM (₹152.7 crore) in the list, it still delivers a decent 9.87% return over 5 years and its NAV is 25.47 as of June 1, 2026.  However, for investors seeking diversification across fund houses, this remains an option. 

5. Axis Balanced Advantage Fund-Reg (G) 

5-Year Return: 9.72%  

Key Metrics: 

- Category: Hybrid Dynamic (HY-DYN) 

- AUM: ₹3,764.0 crore 

- Expense Ratio: 1.93% 

- Exit Load: 1.00% 

- Fund Manager: Jayesh Sundar 

Axis Balanced Advantage Fund rounds out the top 5 with a 9.72% five-year return. While the returns are modest compared to the top performers, the fund benefits from Axis Mutual Fund's strong research capabilities and risk management framework and its NAV is 20.77 as of June 1, 2026. 

Read More: SBI Small Cap and Bandhan Small Cap Among 5 Small Cap Funds with Highest Cash Holding! 

Conclusion 

These top 5 SWP funds for senior citizens in June 2026 have shown strong 5-year returns, making them attractive options for those seeking stable income. Each fund offers unique benefits, allowing investors to choose according to their financial goals. 

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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.