STP Calculator

Systematic transfer from debt to equity funds with tax-efficient transitions

STP Parameters

₹
₹1,00,000₹5,00,00,000
₹
₹5,000₹5,00,000
1 Years20 Years
2%8%

Conservative debt fund returns

8%15%

Expected equity fund returns

₹32,38,307
Final Debt Balance
₹41,24,318
Final Equity Balance
₹73,62,625
Total Portfolio Value

STP Strategy Benefits

  • • Rupee Cost Averaging: Reduces impact of market volatility
  • • Tax Efficiency: Better than lump sum equity investment
  • • Gradual Exposure: Systematic shift from debt to equity
  • • Risk Management: Lower volatility during transition
  • • Liquidity: Maintains some debt allocation for stability

Final Asset Allocation

Debt Funds44.0%
Equity Funds56.0%
STP Asset Migration Chart
STP Transfer Schedule
YearInvestmentBalanceDebt BalanceEquity Balance
1₹53,28,993₹53,28,993₹NaN₹NaN
2₹57,20,003₹57,20,003₹NaN₹NaN
3₹61,82,146₹61,82,146₹NaN₹NaN
4₹67,25,771₹67,25,771₹NaN₹NaN
5₹73,62,625₹73,62,625₹NaN₹NaN
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Important Disclaimer

Important Disclaimer: All calculations are illustrative and for educational purposes only. Not indicative of any mutual fund scheme performance. Past performance does not guarantee future results. Please consult certified financial advisors before making investment decisions.

  • • Return assumptions are within AMFI guidelines (2-13%)
  • • Calculations include inflation and tax considerations where applicable
  • • Results are for illustration purposes and not investment advice
  • • Consult certified financial advisors before making investment decisions