STP Calculator
Estimate growth, final corpus and wealth created by periodic transfers from one fund to another (e.g. debt to equity).
A Systematic Transfer Plan (STP) automates the phased transfer of funds from low-risk (typically debt or liquid) schemes into higher-return (equity) funds. This helps manage risk and capitalise on opportunities without timing the market.
Target fund value
₹15.46 L
Source remaining
₹1.82 L
Total transferred
₹12.00 L
Insight: An STP smooths your entry into equity — useful when deploying a lumpsum parked in debt.
Why use STP?
- Smooths entry into equity markets, reducing timing risk
- Earns returns on both source and target funds during the transfer period
- Useful for deploying large lump sums gradually
- Facilitates monthly rebalancing between asset classes
Pro tips
- Ensure you choose competitive source / target funds
- Don’t over-extend the transfer period
- Review after the transfer is complete for re-alignment
- STPs may have exit loads or tax implications
Ready to redefine your financial freedom?
India is among the world’s top saving nations. But savings alone aren’t enough — your money has to work as hard as you do, spread across asset classes so it keeps pace with inflation and protects the purchasing power of the rupee.