STP Calculator
Schedule a fixed monthly transfer out of a lump sum sitting in one mutual fund, over a chosen period. This is a transfer-scheduling illustration — it does not model returns in either the source or destination fund.
Your STP details
Adjust the amounts below to see how the transfer schedule changes.
The lump sum starting balance in the source fund, in rupees.
The fixed amount scheduled to move out of the source fund each month.
Your schedule
Based on a starting amount of ₹10,00,000, a monthly transfer of ₹50,000, scheduled over 12 months. No return is assumed in either the source or destination fund — this is a transfer schedule, not a value projection.
₹10,00,000 ki starting amount par, ₹50,000 ke monthly transfer ke saath 12 mahinon mein — yeh illustration ₹6,00,000 total scheduled transfer dikhata hai (12 transfers mein), jisme source fund mein ₹4,00,000 remaining rehta hai. Yeh na source aur na hi destination fund mein koi return model karta hai.
Amount ya period badal ke dekhiye ki schedule kaise change hota hai — monthly investing ke liye SIP Calculator dekhein.
Learn about this calculator
Ek mutual fund mein padi lump sum amount se ek fixed monthly transfer ko, chuni gayi period mein schedule karta hai.
Ek Systematic Transfer Plan (STP) ek fixed amount ko ek mutual fund scheme (source, aksar kam volatility wala fund) se doosre (destination, aksar equity fund) mein regular intervals par transfer karta hai — commonly lump sum amount ko gradually equity mein move karne ke liye use hota hai. Yeh calculator sirf source fund se nikalne wali amount ko schedule karta hai; yeh project nahi karta ki returns apply hone ke baad koi bhi fund kitne ka hoga.
Yeh kaise kaam karta hai
Har mahine, entered transfer amount source fund se tab tak schedule ki jaati hai jab tak chune gaye mahinon ki sankhya poori na ho jaaye ya source amount khatam na ho jaaye, jo bhi pehle ho. Transfers jaari rehne ke dauran source balance par koi growth apply nahi ki jaati, aur destination fund par bilkul bhi koi growth apply nahi hoti.
Har input ka matlab kya hai
- Initial amount
- Kisi bhi transfer se pehle source fund mein lump sum starting balance.
- Monthly transfer
- Har mahine source fund se bahar jaane ke liye scheduled fixed amount.
- Transfer period (months)
- Transfers maximum kitne mahinon tak continue hone ka schedule hai.
Results ka matlab kya hai
- Total scheduled transfer
- Source fund se bahar jaane wali total amount — monthly transfer times number of months, ya agar pehle pahunch jaaye to poori initial amount.
- Estimated source balance
- Scheduled transfers ke baad source fund mein kya remaining rehta hai, bina kisi growth ke.
- Number of transfers
- Actually kitne monthly transfers hote hain — chuni gayi period ke barabar, jab tak source amount pehle khatam na ho jaaye.
Assumptions
- Har mahine same transfer amount schedule ki jaati hai, koi missed transfer nahi.
- Period ke dauran na source aur na hi destination fund mein market movement se growth ya decline maana jaata hai.
Limitations
- Yeh calculator source ya destination fund mein NAV movement, market returns, ya losses ko model nahi karta — real STP outcomes har fund ke actual performance par bahut depend karte hain.
- Yeh exit loads, har transfer par capital gains tax, ya scheme-specific STP rules aur minimums ko model nahi karta.
- Ek STP market-timing ya capital-loss risk ko eliminate nahi karta — yeh sirf funds ke beech paise ke movement ka schedule change karta hai.
- Yeh destination fund ki value ka koi projection nahi hai; yeh sirf source fund ke scheduled outflow ko track karta hai.
Aam galtiyan
- Yeh maan lena ki STP lump sum amount seedha invest karne se ek smoother ya better outcome guarantee karta hai.
- Yeh bhool jaana ki har STP transfer typically source fund se ek redemption hai, jiske apne tax aur exit-load consequences ho sakte hain.
Udaharan
Jaise, ₹10,00,000 ki source amount mein ₹50,000 ke monthly transfer ke saath 12 mahinon mein, total ₹6,00,000 ke scheduled transfer ka illustration milta hai, jisme 12 transfers ke baad source fund mein estimated ₹4,00,000 remaining rehta hai.
FAQ
Kya yeh dikhata hai ki STP ke baad mera paisa kitne ka hoga?
Nahi. Yeh calculator sirf yeh schedule karta hai ki source fund se kitna aur kab bahar jaata hai — yeh source ya destination fund mein returns ko model nahi karta.
Kya STP seedha lump sum invest karne se behtar hai?
Koi bhi universally behtar nahi hai — yeh market conditions aur aapki apni risk tolerance par depend karta hai, jise yeh calculator model nahi karta.
Kya yeh har transfer par taxes ya exit loads ko account karta hai?
Nahi. Har STP instalment typically source fund se ek redemption hai aur scheme aur holding period ke aadhar par capital gains tax aur exit loads trigger kar sakta hai — yeh calculator inme se kisi ko bhi model nahi karta.
Existing funds ke beech transfer ke bajaye ek fresh monthly investment dikhane ke liye SIP Calculator dekhein, ya one-time investment ke liye Lumpsum Calculator dekhein.
See the SIP Calculator for a fresh monthly investment instead
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.