STP calculator: move a lump sum into equity gradually.
With an STP, a lump sum sits in a lower-risk fund and a fixed amount moves into an equity fund every month, spreading out the entry. See how both parts grow.
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₹50K₹1Cr
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₹1K₹10L
%
3%9%
%
4%20%
yrs
1 yr20 yrs
Transfers last—
Left in source fund—
Total value at the end—
Total valueLump sum
For illustration only, at the rates you enter. Actual results will differ.
Get a free planHow it is calculated
Each month the source fund grows at its return, then the transfer amount moves to the equity fund, which grows at its own return. Transfers stop when the source fund runs out. Each transfer is a redemption, so capital-gains tax may apply.
Common questions
When is an STP useful?
When you have a lump sum to invest in equity but want to avoid putting it all in at a market high.
How long should an STP run?
Often 6 to 12 months for equity, but it depends on the amount and your comfort with risk.
Is an STP taxed?
Each transfer redeems units from the source fund, so gains on those units are taxed as per that fund's rules.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Returns shown are illustrations at an assumed rate and are not guaranteed. Plenitude Connect is an AMFI-registered Mutual Fund Distributor (ARN-130934); these tools are for education and are not investment advice.
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