What is an STP (Systematic Transfer Plan)?

An STP automatically transfers a fixed amount at regular intervals from one mutual fund scheme to another, usually from a debt or liquid fund into an equity fund, letting you deploy a lumpsum gradually while the uninvested portion still earns returns.

How is STP different from SIP?

A SIP invests fresh money from your income every month. An STP moves money you've already invested from one fund to another — it's a way to phase a lumpsum into equity rather than investing it all at once, while your monthly income can separately fund a regular SIP.

What is the ideal STP duration?

Most investors run an STP over 6 to 24 months, long enough to average out short-term market volatility without leaving money in the source fund for so long that you miss out on equity market gains. Longer transfer periods suit larger lumpsums or more risk-averse investors.

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STP Details

Source Fund Amount ₹10 L

₹1 L₹1 Cr

Monthly Transfer Amount ₹20K

₹1K₹5 L

Transfer Period 3 yr

1 yr10 yr

Source Fund Return (p.a.) 7%

1%15%

Destination Fund Return (p.a.) 12%

1%30%

Destination Fund Value

₹0

Total Transferred

₹0

Est. Returns

₹0

Source Balance Left

₹0

info

Why use an STP?

An STP moves a lumpsum into equity gradually instead of all at once, reducing the risk of investing at a market peak — while the uninvested balance keeps earning debt-fund returns instead of sitting idle. It's essentially a SIP funded from your own lumpsum rather than your monthly income.

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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.