Run a conservative scenario before relying on the headline result.
Systematic Transfer Plan Calculator
Model periodic transfers between two investments and their combined value. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Combined ending value₹12.04 LUpdates instantly as you edit
Total invested / base₹10.00 L
Growth / cost₹2.04 L
Source balance left₹0
Projection journeyHover to inspect a year
Taxes, exit loads and settlement timing are excluded.
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Five smart nudges
Use the result with context.
Review the assumptions after any major change in income, rates or goals.
Keep emergency money separate from long-term investments.
Account for taxes, charges and inflation when comparing options.
Use this estimate to ask better questions, not as a return promise.
Understanding STP in India
Editorially reviewed 12 July 2026 · Rules and assumptions can change
How an STP moves money
A systematic transfer plan redeems units from a source mutual-fund scheme and invests the proceeds into a destination scheme at scheduled intervals. This calculator grows the source at one assumed rate, deducts each transfer and compounds transferred amounts at the destination rate. It stops being operational if the requested transfers exceed the remaining source corpus.
An STP is not a bank standing instruction between two unrelated investments. It usually operates between eligible schemes of the same fund house and follows its frequency, minimum amount, exit-load and cut-off rules.
Worked phasing example
With ₹10 lakh in a source fund and ₹50,000 transferred monthly, the nominal transfer programme lasts 20 months before source returns and charges. Early transfers spend longer in the destination; later ones retain source exposure longer. Compare that path with investing ₹10 lakh immediately and with leaving it entirely in the source.
If equity rises throughout the transfer, gradual entry may lag immediate investment; if it falls early, later transfers buy more units. The benefit is a controlled implementation path, not guaranteed outperformance.
Every transfer is a taxable redemption
Each source-to-destination transfer redeems source units and can realise capital gain or loss. Holding period is measured for the source units sold, and exit load may apply. The destination purchase starts a new holding period. The tax category of each scheme matters; calling the source a liquid or debt fund does not make the transfer tax-neutral.
Maintain a capital-gains statement and inspect source acquisition dates before selecting frequency. Tax and loads can make an overly long or frequent STP inefficient.
Choosing source, duration and amount
The source should match the short parking period and liquidity need; the destination should match the goal horizon. Keep emergency money outside the transfer corpus. Divide the investible amount by the intended months, then check whether the source is likely to remain sufficient under a low-return case.
A three-month STP barely diversifies entry dates, while a multi-year STP can leave a large sum under-allocated to a long-term goal. Choose duration from risk capacity and implementation comfort, not from a belief that market bottoms can be timed.
STP checklist
Verify scheme eligibility, instalment date, source balance, exit load, cut-off, tax treatment and what happens on insufficient units. Compare direct and regular plan costs and ensure both folios carry correct ownership and nomination.
This calculator assumes constant returns and a fixed transfer. Actual NAVs, holidays, taxes, loads and rounding change the result. Review the remaining source balance monthly during a short programme.
Official sources used for this guide
- SEBI Investor — understanding mutual funds ↗
- SEBI Investor — Riskometer ↗
- Income Tax Department — capital-gains guidance ↗
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
STP calculator FAQs
Is an STP tax-free because money stays with one fund house?
No. Each transfer is generally a redemption from the source and a new purchase in the destination.
How long will ₹10 lakh fund a ₹50,000 monthly STP?
Twenty transfers before allowing for source returns, charges and rounding.
Does STP eliminate timing risk?
It spreads entry dates but does not remove market, source-fund or destination-fund risk.
Can the source balance run out?
Yes. A fixed transfer can exhaust it, especially if source returns are weak or charges apply.
Can I transfer between any two funds?
Operational eligibility depends on the fund house and scheme terms; verify before planning.