Mutual Fund STP Calculator
STP - Transferor Scheme : ICICI Prudential Liquid Fund - Growth
| Total Initial Investment Amount | Monthly STP Amount (Rs.) | STP Period | No of Installments | Total Amount Transferred | Total No. Units Remaining | Value as on | Current Value as on | Profit | Returns (%) |
|---|---|---|---|---|---|---|---|---|---|
| 200000 | 10000 | 05-07-2015 to 05-09-2026 |
STP - Transferee Scheme : ICICI Prudential Equity & Debt Fund - Growth
| Monthly STP Amount (Rs.) | STP Period | No of Installments | Total Amount Invested | Total No. Units Accumulated | Value as on | Current Value as on | Profit | Returns (%) |
|---|---|---|---|---|---|---|---|---|
| 10000 | 05-07-2015 to 05-09-2026 |
STP - Total Returns:
| Total Investment Amount | Total Current Value | Total Profit | Total Returns (%) |
|---|---|---|---|
ICICI Prudential Liquid Fund - Growth
| Nav Date | Nav | Units | Cumulative Units | Cash Flow | Net Amount | Capital Gain/Loss | No. of Days (Invested) |
Current Value |
|---|
ICICI Prudential Equity & Debt Fund - Growth
| Nav Date | Nav | Units | Cumulative Units | Cash Flow | Amount | Current Value |
|---|
What Is an STP (Systematic Transfer Plan)?
A Systematic Transfer Plan moves a fixed sum from one mutual fund scheme to another at regular intervals typically monthly. Investors commonly use STP to shift a lump sum out of a low-volatility fund (liquid or ultra-short debt fund) into an equity or hybrid fund gradually, rather than deploying the full amount at once.
The mechanism is identical to a SIP, except the source of the money is an existing fund investment instead of your bank account.
How the STP Calculator Works
This calculator projects the outcome of a systematic transfer between two schemes based on five inputs:
- Initial investment amount - the lump sum parked in the source (transferor) scheme.
- Transfer amount - the fixed sum moved out per installment.
- Frequency - daily, weekly, fortnightly, monthly, or quarterly.
- Tenure - how long the STP runs.
- Source and destination schemes - selected from the AMC and scheme lists above.
The calculator tracks unit allocation and redemption on both sides of the transfer using each scheme's historical NAV data, then totals the combined current value, profit, and returns (%) across both schemes.
STP vs. SIP vs. Lump Sum
| Approach | Money source | Best suited for |
|---|---|---|
| Lump Sum | One-time investment | Investors comfortable deploying the full amount at current market levels |
| SIP | Regular bank account debits | Building a corpus over time from ongoing income |
| STP | Transfer from an existing fund investment | Deploying a lump sum gradually while it earns returns in the source scheme meanwhile |
The core advantage of STP over a straight lump sum is that uninvested capital doesn't sit idle - it continues earning in the source scheme (usually a liquid or debt fund) until each transfer installment moves it into the destination scheme. This reduces the impact of timing a single lump-sum entry into a volatile asset class.
STP does not eliminate market risk, and returns on both the source and destination schemes are not guaranteed.
- Fixed STP - a fixed amount transferred each installment, regardless of market conditions.
- Capital Appreciation STP - only the gains from the source scheme are transferred, leaving the original capital untouched.
- Flexi STP - the transfer amount varies based on market conditions or a pre-set formula (e.g., transferring more when the destination scheme's NAV falls).
When to Consider an STP
STP is typically considered when an investor has a lump sum (from a bonus, maturity payout, or asset sale) and wants exposure to equity or hybrid funds without committing the entire amount on a single day. It's a risk-management tool for entry timing, not a return-enhancement strategy.
Ready to set up a Systematic Transfer Plan? Talk to TradingQuants - AMFI-Registered Mutual Fund Distributor (ARN 308872) - to plan an STP that matches your risk profile and timeline.
Contact us OR explore our [Mutual Fund services]Disclaimer : We have gathered all the data, information, statistics from the sources believed to be highly reliable and true. All necessary precautions have been taken to avoid any error, lapse or insufficiency; however, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. We cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in on, any information appearing herein. The user is advised to verify the contents of the report independently.
Returns less than 1 year are in absolute (%) and greater than 1 year are compounded annualised (CAGR %). SIP returns are shown in XIRR (%).
The Risk Level of any of the schemes must always be commensurate with the risk profile, investment objective or financial goals of the investor concerned. Mutual Fund Distributors (MFDs) or Registered Investment Advisors (RIAs) should assess the risk profile and investment needs of individual investors into consideration and make scheme(s) or asset allocation recommendations accordingly.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in the future. Investors should always invest according to their risk profile and consult with their mutual fund distributors or financial advisor before investing.
