What is an STP (Systematic Transfer Plan) calculator?

An STP calculator plans transfers from a source fund (often liquid/debt) to a target fund (usually equity) at a set frequency to reduce timing risk.

How do I set up an STP from liquid to equity?

Choose source amount, transfer amount/frequency (weekly/monthly) and duration. The tool shows units moved, remaining balance and target fund value.

STP can smooth volatility in uncertain markets. Lump-sum may outperform in rising markets. Use scenarios to compare risk and returns.

Yes. Each STP leg is a redemption from the source fund and may attract capital gains tax and exit load as per scheme rules.

Use STP when you already hold a lump-sum in a source fund. Use SIP for funding from monthly income directly into the target fund.

Initial Investment

Monthly Transfer Amount

Source Fund Return (%)

Target Fund Return (%)

STP Period (Years)

Source Fund Value

Target Fund Value

Total Value

Total Returns