What is a Systematic Transfer Plan (STP)?

STP transfers a fixed amount from one mutual fund (usually a debt fund) to another (usually equity) at regular intervals — useful for staggering a lumpsum into equity over time.

When should I use an STP?

When you have a lumpsum but want to average market entry into equity over 6–18 months. Park it in a liquid fund and STP into your equity scheme.

Yes. Each transfer counts as a redemption from the source fund — gains are taxable based on holding period and fund type.

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STP Calculator

Move money between mutual fund schemes systematically.

Reviewed by Nisha SLast verified 6 Sept 2026RBI-compliantFact-check policy

Source Corpus₹5.0L

₹50K₹1Cr

Monthly Transfer₹10,000

₹1K₹2L

Source Return (%)6%

1%15%

Target Return (%)12%

1%25%

Period (years)5 yrs

120

Source Remaining₹0

Target Value₹7,93,339

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About this calculator

STP transfers a fixed amount from a debt fund to an equity fund (or vice versa) every month, smoothing market timing risk.

Formula

Source grows at sR; transferred amount grows at tR.

Frequently Asked Questions

Everything you need to know about the STP Calculator.

Results are illustrative estimates for planning. Actual figures depend on bank/AMC terms, taxes and market conditions.