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Systematic Transfer

STP
Migration Engine.

Optimise your debt-to-equity migration strategy with systematic fund transfers, minimising timing risk while maximising compounding returns.

How STP works: Source fund (typically Debt/Liquid) earns steady returns while your corpus is gradually transferred to the Target fund (typically Equity) at fixed intervals to average out market entry cost.

Transfer Inputs

Currency
%
%
Years
🏦

Source Remaining

₹17

Debt Fund Balance

📈

Target Corpus

₹8.32L

Equity Fund Value

Wealth Gain

₹3.32L

66% Growth

🎯

Total Portfolio

₹8.32L

Combined Value

💡

STP helps average your equity market entry price (rupee cost averaging) while keeping capital safely in debt during the transfer period.

Portfolio Migration

Target Equity
Source Debt

Final Allocation

Equity %

100%

STP Strategy

Rupee Cost Averaging
Risk-Staged Entry
Debt-Equity Optimisation

Transfer Ledger

YearSourceTargetTotal
Y1₹4.12L₹1.27L₹5.40L
Y2₹3.18L₹2.72L₹5.91L
Y3₹2.17L₹4.37L₹6.55L
Y4₹1.09L₹6.25L₹7.34L
Y5₹17₹8.32L₹8.32L

For illustration only. Equity returns are estimated and not guaranteed. Mutual fund investments are subject to market risks. Please read all scheme related documents carefully.

Systematic Transfers Work Best With a Systematic Plan.

An STP is a powerful tool — but only if the source fund, target fund, and transfer schedule are right for your situation. We will set it up so every rupee moves with purpose.

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