Top 5 SWP Funds for Senior Citizens in November 2026 Based on 5-Year CAGR

For senior citizens seeking steady income through Systematic Withdrawal Plans (SWP), selecting the right fund is crucial. As of November 2026, several funds have demonstrated strong performance based on their 5-year Compound Annual Growth Rate (CAGR).  

Here, we explore the top 5 SWP funds for senior citizens based on this metric. 

Top 5 SWP Funds for Senior Citizens for November 2026 

Note: In the above data, the NAV is as of October 29, 2026, and AUM as of September 30, 2026. 

HDFC Balanced Advantage Fund 

Managed by Gopal Agrawal, HDFC Balanced Advantage Fund has an AUM of ₹1,02,534 crore and an expense ratio of 1.31%. Launched on September 11, 2000, it tracks the NIFTY 50 Hybrid Composite Debt 50:50 Index.  

The NAV is ₹498.52, with a 52-week high of ₹539.05 and a low of ₹483.48. The fund has delivered a 1-year return of -6.2% and a 5-year return of 12.08%. The exit load is Nil upto 15% of Units For excess Units 1% on or before 1Y and Nil after 1Y. 

ICICI Prudential Balanced Advantage Fund 

Managed by Rajat Chandak, ICICI Prudential Balanced Advantage Fund has an AUM of ₹71,913.5 crore and an expense ratio of 1.57%. Launched on December 30, 2006, it tracks the CRISIL Hybrid 50+50 - Moderate Index.  

The NAV is ₹76.36, with a 52-week high of ₹80.38 and a low of ₹71.79. The fund has delivered a 1-year return of -1.1% and a 5-year return of 9.03%. The exit load is Nil upto 30% of units and 1% for remaining units on or before 1Y Nil after 1Y. 

Bank of India Balanced Advantage Fund 

Managed by Alok Singh, Bank of India Balanced Advantage Fund has an AUM of ₹173.8 crore and an expense ratio of 2.64%. Launched on March 14, 2014, it tracks the NIFTY 50 Hybrid Composite Debt 50:50 Index.  

The NAV is ₹25.25, with a 52-week high of ₹26.56 and a low of ₹24.56. The fund has delivered a 1-year return of -2.26% and a 5-year return of 8.6%. The exit load is NIL for 10% of investments and 1% for remaining investments on or before 3M NIL after 3M. 

Baroda BNP Paribas Balanced Advantage Fund 

Managed by Jitendra Sriram, Baroda BNP Paribas Balanced Advantage Fund has an AUM of ₹5,162.2 crore and an expense ratio of 2.05%. Launched on November 14, 2018, it tracks the BSE 200.  

The NAV is ₹24.69, with a 52-week high of ₹26.34 and a low of ₹22.97. The fund has delivered a 1-year return of -2.07% and a 5-year return of 8.42%. The exit load is Nil upto 10% of units and 1% for remaining units on or before 1Y Nil after 1Y. 

Aditya Birla Sun Life Balanced Advantage Fund 

Managed by Harish Krishnan, Aditya Birla Sun Life Balanced Advantage Fund has an AUM of ₹9,836.4 crore and an expense ratio of 1.95%. Launched on April 25, 2000, it tracks the CRISIL Hybrid 50+50 - Moderate Index.  

The NAV is ₹110.42, with a 52-week high of ₹114.92 and a low of ₹102.25. The fund has delivered a 1-year return of 0.66% and a 5-year return of 8.26%. The exit load is 0.25% on or before 7D Nil after 7D. 

Read More: Best 5 Performing Equity Mutual Funds in India for November 2026 Based on 5-Year CAGR! 

Conclusion 

The top 5 SWP funds for senior citizens for November 2026, based on 5-year CAGR, include HDFC Balanced Advantage Fund at 12.08%, ICICI Pru Balanced Advantage Fund at 9.03%, Bank of India Balanced Advantage Fund at 8.6%, Baroda BNP Paribas Balanced Advantage Fund at 8.42% and Aditya Birla SL Balanced Advantage Fund at 8.26%. 

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.