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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.

ℹ

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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