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STP Calculator
Systematic Transfer Plan — move from debt to equity gradually.
Enter values to see your result
Frequently asked questions
Why use STP instead of lumpsum?
STP averages your cost into equity over months, reducing the risk of investing a lumpsum just before a market correction. Best when equity valuations look stretched.
What duration is typical?
6 months to 2 years. Going beyond 2 years means a large chunk of money sits in low-yielding debt for too long.
How is STP taxed?
Each transfer is a redemption from the source fund. Debt fund STP over 3 years: LTCG at slab rate (post-2023 rules). Short period: gains taxed as per slab.
STP vs SIP?
SIP invests fresh money from your bank; STP transfers existing money between funds. Use SIP for monthly income, STP for a lumpsum you want to gradually move into equity.