Top SWP Funds for Senior Citizens in 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 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 January 9, 2026. 

HDFC Balanced Advantage Fund (G) 

The HDFC Balanced Advantage Fund (G) stands out with an impressive 5-year return of 18.73%. With an AUM of ₹1,08,205.1 crore and an expense ratio of 1.34%, this fund has consistently delivered high returns. Its 1-year return is 7.47%, while the 3-year return is 17.43%. The Fund is managed by Gopal Agrawal. 

ICICI Prudential Balanced Advantage Fund (G) 

ICICI Prudential Balanced Advantage Fund (G) offers a 5-year return of 12.32%. With an AUM of ₹70,534.6 crore and an expense ratio of 1.43%, this fund has shown stable performance. The 1-year return is 11.94%, and the 3-year return is 13.47%. The Fund is managed by Rajat Chandak. 

Baroda BNP Paribas Balanced Advantage Fund-Reg (G) 

Baroda BNP Paribas Balanced Advantage Fund-Reg (G) has a 5-year return of 11.59%, with an AUM of ₹4,748.2 crore. The expense ratio is 1.88%, and the fund's 1-year return is 7.46%, while the 3-year return is 13.76%. The Fund is managed by Sanjay Chawla. 

Axis Balanced Advantage Fund-Reg (G) 

Axis Balanced Advantage Fund-Reg (G) provides a 5-year return of 11.12%. With an AUM of ₹3,816.4 crore and an expense ratio of 1.91%, it offers a 1-year return of 6.28% and a 3-year return of 14.43%. The Fund is managed by Jayesh Sundar. 

Edelweiss Balanced Advantage Fund-Reg (G) 

The Edelweiss Balanced Advantage Fund-Reg (G) has a 5-year return of 10.98%. It has an AUM of ₹13,375.7 crore and an expense ratio of 1.65%. The fund's 1-year return is 6.57%, and the 3-year return is 12.40%. The Fund is managed by Bhavesh Jain. 

Read More: Mutual Fund AUM Growth Hits 3-Year Low Despite 18% Rise in 2025: AMFI Data! 

Conclusion 

These top 5 SWP funds for senior citizens in 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. 

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.