Capital Crafter | Strategic Finance Planning & Investment Services

STP Calculator - Systematic Transfer Plan

A Systematic Transfer Plan (STP) enables investors to transfer a fixed or variable amount from one mutual fund scheme to another at regular intervals. Typically, money is moved from a debt fund to an equity fund to optimize returns while managing risk.

Calculate Your STP Growth

Initial Investment (₹)

Monthly Transfer (₹)

Expected Return (%)

Duration (Months)

Total Transferred

₹60,000

Estimated Value

₹64,000

Types of Systematic Transfer Plans

Fixed STP

Transfers a fixed amount from one scheme to another periodically, helping with rupee cost averaging and risk management.

Capital Appreciation STP

Transfers only the profit (appreciation) from the source fund, preserving the capital invested.

Benefits of Systematic Transfer Plan

Risk Mitigation
Automatic Rebalancing
Better Returns over Time
Tax-efficient Transfers

Disciplined Investing
Reduces Market Timing Risk
Enhances Long-Term Planning
Useful for Goal-Based Investments

Frequently Asked Questions About STP

What is STP in mutual funds?

STP or Systematic Transfer Plan allows you to shift a fixed amount from one fund to another, typically from debt to equity, to balance returns and risk.

Who should invest in STP?

Investors with lump sum amounts looking to invest in equity over time without timing the market can benefit from STP.

How can we help you?