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What is a Systematic Transfer Planner?

A Systematic Transfer Planner (STP) allows an investor to transfer a fixed amount at periodical intervals from a liquid fund to an equity fund.

STP Calculator - Systematic Transfer Plan

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Amount after transfer Returns from Liquid fund Returns from Equity fund Annualised returns

Note :

Tax has not been considered in computations.

We have assumed that the entire principal amount in the liquid fund will be transferred to the equity fund by the end of the STP exercise. However, income from the liquid fund will remain in the liquid fund.

Expenses have not been considered

Terms and conditions : This calculator is meant for investor education purpose only and not aimed at soliciting investments in any particular scheme of SBI Mutual Fund. It is designed to help investors in determining the indicative amount generated through... STP based on assumed rate of returns and does not guarantee any returns. The calculations are not based on any judgments of the future return of the debt and equity markets / sectors or of any individual security / Schemes and should not be construed as promise on minimum returns and/or safeguard of capital. These Calculators alone are not sufficient and shouldn't be used for the development or implementation of an investment strategy. There is no warranty about the accuracy of the calculators/ reckoners. The recipient is advised to consult his or her financial advisor/ tax consultant prior to arriving at any investment decision. The calculation is based on assumed rate of returns with the STP frequency of monthly or quarterly basis as selected by you. The returns are shown point to point in absolute terms. Mutual Fund Investments are subject to market risks, read all scheme related documents carefully. Read More

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Frequently asked questions

Systematic Transfer Plan (STP) is a facility by which a pre-determined amount can be transferred from one scheme of mutual fund to another scheme at pre-defined intervals.

  • Lumpsum investments: An investor having lumpsum amount can park money in one fund and systematically transfer it to another scheme as per his financial goal.
  • Rupee cost averaging: Since an STP is spread over a period, it tends to average out investor’s purchase price providing him the rupee cost averaging.

To start an STP, an investor needs to invest in scheme which is from the list of available source schemes. He / She then needs to fill a STP enrollment form and choose the target scheme where he / she wishes to transfer the amount. He / She also needs to specify the frequency, amount and the date for the STP. Alternatively, he / She can do it online through website or mobile application of SBIMF

A Systematic Investment Plan(SIP) is a facility which allows an investor to invest a fixed amount at pre-determined intervals into a mutual fund scheme whereas a Systematic Transfer Plan(STP) is a facility which moves a fixed amount from one scheme (source scheme) to another scheme (target scheme) at pre-determined intervals. Transfer from one scheme to another scheme under this facility is subject to Exit Load as applicable.

No, an investor cannot modify his/her STP amount. He / She can start a new STP with desired amount by filling in a new STP enrollment form.

Disclaimer : This content is for information purposes only and is not an offer to sell or a solicitation to buy any mutual fund units/securities....These views alone are not sufficient and should not be used for the development or implementation of an investment strategy. It should not be construed as investment advice to any party. All opinions and estimates included here constitute our view as of this date and are subject to change without notice. Neither SBI Mutual Fund / SBI Funds Management Private Limited / SBI Mutual Fund Trustee Company Private Limited, nor any person connected with it, accepts any liability arising from the use of this information. The recipient of this material should rely on their investigations and unlike the traditional investment avenues like PPF, NSC, Bank Fixed Deposit, investment in mutual funds is subject to market risks. Hence, the performance of these asset classes is not strictly comparable. In view of the individual circumstances and risk profile, each investor is advised to consult their investment/tax adviser(s) before any investment decision. Read More

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