Smart Transfer Planner

STP calculator for systematic fund transfers

Enter your source fund amount, monthly transfer, source and destination returns, and transfer period to estimate final values of both funds.

Dual fund tracking Monthly transfer Balance visibility

Input type

Source + destination

Best for

Lumpsum deployment

Output

Both fund balances

Enter STP details

Set source fund amount, monthly transfer, return rates, and tenure.

Before you calculate

Source fund (e.g., liquid/debt) earns returns while the transfer amount moves to destination.
Destination fund (e.g., equity) accumulates the transferred amounts with its return rate.
If source balance depletes before the term ends, transfers stop.

STP Calculator India – Detailed Guide

A Systematic Transfer Plan (STP) lets you move money from one mutual fund (the source fund) to another (the destination fund) at fixed intervals. It is commonly used when you have a lumpsum parked in a relatively stable fund and want to gradually shift it into an equity fund over time.

This STP calculator shows how your source fund balance may decline, how much is transferred overall, and how your destination fund value might grow, given assumed return rates for both funds and a fixed transfer amount.

How STP Works

In a typical STP setup, you invest a lumpsum into a liquid or debt fund (source). Each month, a fixed amount is redeemed from the source fund and invested into an equity or hybrid fund (destination). The source fund continues to earn returns on the remaining balance, while the destination fund builds units over time.

Over the transfer period, this approach spreads your entry into equity across multiple months, reducing the risk of investing the full lumpsum at a single market level.

Inputs in the STP Calculator

The STP calculator India page uses these core inputs:

Source fund amount – the initial lumpsum you place in the source fund.
Monthly transfer amount – the fixed rupee amount moved from source to destination each month.
Expected source return – annual return rate for the source fund (often a liquid or low-volatility fund).
Expected destination return – annual return rate for the destination fund (often equity-oriented).
Transfer period – how long you plan to run the STP, typically in months.

The calculator assumes regular transfers until either the period ends or the source fund runs out of balance.

STP vs Direct SIP or Lumpsum

STP, SIP, and direct lumpsum investment each solve a different problem:

STP is ideal when you already have a lumpsum but want to enter equity gradually while keeping the unused portion in a relatively safe fund.
SIP suits investors who invest out of monthly income, building their corpus from scratch.
Lumpsum investing works best when you are comfortable deploying all money at once and can tolerate near-term volatility.

With this calculator, you can compare how a multi-month STP might differ from putting the entire amount into an equity fund on day one.

Tax and Practical Considerations

Every STP transfer is technically a redemption from the source fund followed by a purchase in the destination fund. This has a few implications:

Capital gains tax may apply on the source fund redemption, especially if it is a debt fund and the holding period is short.
Exit loads could be triggered if the source fund has a minimum holding period before exit; check the fund’s scheme information document.
Transaction cut-off times and NAV applicability influence the exact units and prices for each leg of the STP.

The calculator focuses on value projections and does not incorporate detailed tax or load structures. Treat the results as a planning estimate and verify costs with your mutual fund house or advisor.