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Calculates STP (Systematic Transfer Plan)

STP (Systematic Transfer Plan) Calculator

Systematic Transfer Plan (STP) is an investment method of making staggered investments into a mutual fund scheme. This is done through an initial lump-sum investment in a liquid/cash fund followed by a periodic transfer into equity mutual fund scheme.

I want to transfer

Rs.
Enter value between 10000 and 10000000

For a tenure of

Number of Installments
Enter valid tenor

At an expected return rate%

Target Fund
%p.a
Enter Interest between 1 and 40
View as

Monthly transfer

Rs. 7000

Value of investment

Rs. 60,000

Returns

Rs. 10,000

AN STP calculator helps visualise how money can be systematically transferred between mutual funds to explore the returns one can expect on one’s investments, as well as how the same aligns with their ever-evolving financial goals and risk profile.

The results on an STP calculator are indicative, based on the assumptions you enter, such as the amount of the transfers and the expected rate of returns. It is important to note, however, that the actual returns depend on the performance of one’s chosen funds, as well as that of the broader market.

An Calculator helps visualise how regular contributions into a fund (Of an amount and at a frequency of your choosing) grow through the power of compounding over time. An STP Calculator on the other hand, helps you explore how your existing investments can be shifted systematically from one fund to another, to capitalise on emerging opportunities and mitigate impending risks.

No. The calculator provides projections only before costs. For a complete view, it is prudent to factor in applicable tax rates on your investments, portfolio management fees, exit loads, and more separately.

There is no ideal frequency for an STP. The frequency must be decided based on one’s financial goals, investment horizon, risk profile, as well as cash flow.

While an STP calculator lets you evaluate scenarios with an amount of your choosing; certain mutual funds may define a minimum amount for such transfers.

Yes, most STPs can be modified or discontinued. However, these rules may vary across funds and fund houses. folio outcomes under different market assumptions.

Seamless, swift, and accurate
Eliminate tedious guesswork and manual calculation with our automated tool, which can help you calculate the amount for your scheduled transfers instantly.

 Plan ahead
Adjust variables such as the amount, number of transfers & estimate rate of return to visualise and strategise effectively before making a decision.

Investment roadmaps:
Translate your financial vision into an actionable plan, creating an STP regime that is aligned with your short—and long-term financial goals and risk profile.

Accessibility: Anytime, Anywhere
Plan and recalculate the expected returns on your STP on the go, anytime you need.

 

This page and the calculator are for information and educational purposes and are meant for use only as a reference tool. The simulation from the calculator does not represent actual, past or predicted performance or returns. Applicable taxes and charges if any have not been considered. This page and the calculator have not been prepared for any particular person or class of persons. Please obtain independent financial advice before proceeding to transact on the basis of the above information. The products and services mentioned here may not be suitable for everyone. The value of your investments and the income from them can go down as well as up, and you may not recover the amount of your original investment. In the event that you choose not to seek independent professional advice, you should consider whether the products are suitable for you. Please refer to the relevant offer documents for detailed information.

 

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