Model moving money each month from one fund to another, with each side growing at its own assumed rate.
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Calculated from your inputs
Combined value
Source portfolio
Destination portfolio
Total transferred
How this is calculated
Source and destination compound monthly before month-end transfers. Transfers stop when the source is empty. Taxes, loads and fees are excluded.
Defaults are editable examples, not current provider quotes. Results are rounded for display. These are scenarios from your inputs, not live market data or investment advice.
About the STP calculator
A systematic transfer plan (STP) moves a fixed amount every month from one mutual fund, often a liquid or debt fund, to another fund of the same fund house. It is a way to invest a large amount gradually.
The STP calculator follows both funds month by month and shows the value left in each and the total moved.
How the STP calculator works
Both funds grow monthly at one twelfth of their own annual rate, then the transfer moves from the source to the destination. Transfers stop when the source is empty.
Worked example
Example inputs
Source portfolio
₹5,00,000
Monthly transfer
₹25,000
Source annual rate
6%
Destination annual rate
12%
Time period
2 years
Calculated result
Combined value
₹6,01,772.24
Source portfolio
₹0
Destination portfolio
₹6,01,772.24
Total transferred
₹5,28,125.3
Why use a STP calculator?
See how long a lump sum takes to move fully into the destination fund.
Compare the combined value under different return assumptions for each fund.
STP calculator FAQs
Why would someone use an STP?
To invest a lump sum in steps rather than all at once, while the money waiting to be moved stays in a lower-volatility fund. It does not guarantee a better result.
Is each transfer taxed?
A transfer redeems units in the source fund, so any gain on them can be taxed as a capital gain. Check the current rules.
Can I transfer between fund houses?
STPs normally work only between schemes of the same fund house.
What rates should I enter?
Your own assumptions for each fund. The defaults are examples, not expected returns.