STP Calculator
Systematic Transfer Plan from a debt fund to an equity fund.
₹
₹10,000₹10,00,00,000
₹
₹500₹10,00,000
%
1%15%
Liquid / debt fund — typically 6–8%%
1%30%
Equity fund — typically 10–14% months
3 months60 months
Source remaining
₹4,52,661
Target accumulated
₹6,40,466
Total final value
₹10,93,127
- Initial corpus₹10,00,000
- Net gain₹93,127
- Final value₹10,93,127
Total portfolio value over time
Total valueInitial corpus
When to use an STP
The classic Indian use case: you receive a ₹10–25 lakh windfall (year-end bonus, RSU vesting, FD maturity, inheritance). Putting it all into an equity fund on day one exposes you to single-day timing risk. Putting it into a savings account loses to inflation. STP is the middle path: park it in a liquid fund earning ~7%, transfer monthly into your equity fund over 6–12 months. You get debt-fund returns on the unallocated portion and average into equity gradually.
Frequently Asked Questions
- An STP transfers a fixed amount from one mutual fund to another at regular intervals (typically monthly). The most common pattern: park a lump sum in a liquid/debt fund, then STP into an equity fund over 6-12 months — averaging the entry price into equity instead of timing the market.