STP Calculator (India)
Estimate the value your Systematic Transfer Plan builds up in the destination fund. Enter the amount you transfer each month, the expected return on the destination fund and the transfer period.
A Systematic Transfer Plan (STP) moves a fixed amount at regular intervals from one mutual fund to another — typically from a low-risk liquid or debt fund into an equity fund, to average your entry into the market. The destination fund grows like a SIP: each transfer is invested and compounds at the destination fund's return. This calculator projects that destination value.
How the STP value is calculated
Each monthly transfer earns the destination return for the rest of the period, and the transfers compound together — the standard SIP future-value formula.
where A = monthly transfer, i = return ÷ 12, n = months
| ₹10,000/month at 12% | Destination value |
|---|---|
| After 12 months | ₹1,28,093 |
| After 36 months | ₹4,35,076 |
| After 60 months | ₹8,24,864 |
Worked example
Transferring ₹10,000 a month for 36 months into an equity fund returning 12%: total transferred is ₹3,60,000 and the projected destination value is ₹4,35,076, an estimated gain of ₹75,076 — before accounting for what the money earned in the source fund.
STP, SIP and source-fund returns
An STP is like a SIP, except the money comes from another fund rather than your bank account — so the source fund also keeps earning (at a lower, steadier rate) until each transfer happens. This tool focuses on the destination corpus; your total return is a little higher once the source fund's interest is added. STP is popular for deploying a lump sum into equities gradually.