What if you had invested ₹10 lakh in JM Midcap Fund five years ago and withdrawn ₹6,000 every month since? Replayed on real daily NAV history — no projections.
This fund's NAV history is shorter than 5 years, so the standard SWP illustration isn't available yet.
Computed 2026-10-03 from 949 daily NAVs (2022-11-25 → 2026-10-01). Withdrawals taken on the 10th of each month.
Change the lump sum, withdrawal amount or frequency — the full simulator runs in your browser on live NAV data.
JM Midcap Fund doesn't have 5 years of NAV history yet, so we can't illustrate the standard SWP scenario.
₹6,000/month on ₹10 lakh is 7.2% in year one. Whether a withdrawal rate is sustainable depends on the fund's long-run returns minus that rate — as a rule of thumb, staying at or under ~3% a year keeps a corpus growing in most markets. Test your own rate in the simulator.
The plan pays out whatever remains and ends — our simulator models this exactly, redeeming the leftover units instead of failing.
Each withdrawal is a redemption and taxed as capital gains — equity funds held over 12 months qualify for long-term treatment (12.5% above the ₹1.25L annual exemption, per current rules). This illustration is pre-tax.
Daily NAV history published under AMFI, fetched via mfapi.in, replayed with the same engine as our SWP simulator. A historical illustration, not a prediction.