Sushil Bajaj |
📅 Last Updated on: September 29, 2025
ICICI Prudential Freedom SIP is a smart investment facility that not only helps you build wealth systematically but also enables you to enjoy regular passive income—thereby giving you the financial freedom to live life on your terms.
Moreover, this unique concept combines the rigour of a Systematic Investment Plan (SIP) with the flexibility of a Systematic Withdrawal Plan (SWP). In other words, you invest regularly over the years, and then, from the date your investment phase completes, you start receiving monthly disbursements without the need to redeem the units manually.
Begin with SIP
You choose a fixed investment amount and period (e.g., years, 10 years, and so on).This money is invested monthly into a Source Scheme.
Automatic Switch
At the close of your SIP term, your overall corpus will automatically become a part of a Target Scheme.
Begin SWP (Systematic Withdrawal Plan)
From the Target Scheme, you begin taking monthly payments—the default payout amount or an amount of your choice tailored according to your requirements.
The idea is built on the #FreedomToDream philosophy—it provides you freedom to plan for:
1. Premature retirement
2. World travel
3. Pursuing hobbies & passions
4. Stress-free and comfortable living
With Freedom SIP, you embark on a disciplined investment path where creation of wealth translates easily into enjoyment of wealth.
| SIP Tenure | Monthly SIP Amount | Default Monthly SWP |
| 8 Years | Rs. 10,000 | Rs. 10,000 |
| 10 years | Rs. 10,000 | Rs. 15,000 |
| 12 years | Rs. 10,000 | Rs. 20,000 |
| 15 years | Rs. 10,000 | Rs. 30,000 |
| 20 Years | Rs. 10,000 | Rs. 50,000 |
| 25 years | Rs. 10,000 | Rs. 80,000 |
| 30 years | Rs. 10,000 | Rs. 1,20,000 |
Note: These figures are illustrative only. Actual payout and return will be subject to the outcome of markets and schemes selected.
In this scenario, you invest ₹10,000 every month for 10 years. Over this period, the investment grows to around ₹23,00,390 due to compounding at 12% annual returns. After completing the SIP phase, you begin withdrawing ₹15,000 each month for the next 15 years, moreover this after the end of SWP period you are left with ₹62,98,000. This means that even with relatively modest monthly investments, you can create a reliable source of income during the withdrawal phase. It highlights how early and consistent investing builds a sufficient safety net for the future.
By investing ₹10,000 per month for 15 years, your corpus grows to approximately ₹50.22 lakh at 12% annual returns. This is almost double the wealth created in the 10-year SIP case. After the SIP phase, you can withdraw ₹30,000 per month for 15 years, moreover this after the end of SWP period you are left with ₹1,51,27,000. This ensures financial stability, higher withdrawal capacity, and a strong buffer for inflation or unexpected expenses. It clearly shows the benefits of extending your investment horizon for long-term wealth creation.
Early Retirees – People looking for a steady income stream following an early retirement from the labor force
Regular Income Seekers – Investors looking for steady monthly payouts post-investment phase
Goal-Oriented Planners – People with definite goals like higher-education fundings, wish trips, or corpus formation for retirement
You can easily invest through our online investment platform.
1. ICICI Pru Large Cap Fund
2. ICICI Pru Multi Cap Fund
3. ICICI Pru Balanced Advantage Fund
4. ICICI Pru Flexicap Fund
1. ICICI Pru Large Cap Fund
2. ICICI Pru Value Fund
3. ICICI Pru Equity And Debt Fund
4. ICICI Pru Focused Equity Fund
5. ICICI Pru Mid Cap Fund
6. ICICI Pru Multi Cap Fund
ICICI Prudential Freedom SIP converts disciplined investments into lifelong financial freedom. Therefore, by investing now, you are preparing yourself for a future in which you can live life on your terms and no longer worry about money.
Since financial freedom is not a destination—it’s a lifestyle.
Disclaimer:- Mutual Fund investments are subject to market risks, please read scheme related documents carefully before investing.
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