What would be the future fund value if I draw through SWP

Thanks for writing to us. Please note that drawing through SWP at the rate of 12% (1% per month) from your investments in balanced fund is a bit high! During the initial years, it is better to draw not more than 8-9% per annum (around (0.70-0.75% per month)

Both the funds selected by you are good and among the top performing in balanced fund category.

You have asked a difficult question as to what would be the approx fund value after 10 years. It is very difficult to answer. You can only assume that if the fund can generate 12% annual return and you have already drawn 9% per annum then at the rate of 3% additional growth the fund value should be around 13.50 Lakhs after 10 years, if not more.

Hope the above helps! Thanks !!