STP Calculator
Try our STP calculator to check how a staggered asset allocation or rebalancing may work for you.
What Is An STP?
A Systematic Transfer Plan, or STP, lets you move a set amount of money at regular intervals from one mutual fund scheme to another.
What Is An STP Calculator?
An STP calculator is an online tool that shows how a staggered asset allocation or rebalancing may work for you. You need to feed in details like the lumpsum amount, STP amount, STP duration, and expected returns. The calculator instantly displays the estimated cumulative amount of your investment at the end of the period. It simplifies financial planning by visualising projections.
What Are The Different Types of STP?
Mutual funds generally offer two types of STPs:
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Fixed STP: Transfers a fixed sum each time.
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Flex STP: Adjusts the transfer amount depending on market performance.
Each type gives investors the flexibility to manage money as per their goals and comfort with risk.
What Are The Advantages Of An STP Calculator?
An STP calculator helps you plan investments with greater clarity. It estimates how regular transfers can grow and shows how frequency and amount affect your corpus. By comparing different combinations, you may choose a plan that fits your time horizon and risk profile. The calculator thus acts as a handy guide before committing to an STP.
How Do STP Calculators Work?
An STP calculator functions by using your inputs, transfer amount, duration, and expected return, to estimate how your investment could potentially grow. It breaks down each transfer, applies assumed growth rates, and displays the final value at the end of the chosen tenure. The result helps you see how consistent transfers might build wealth over time.
How To Use UTI Mutual Fund’s STP Calculator?
To use the UTI MF STP calculator, you will be asked to provide some basic information like lumpsum amount invested, STP amount, investment duration and expected return rate. The calculator will then display what the value of your investment may look like at the end of your selected time horizon. You can also change some of the input values to create different scenarios. This can help you visualise how STPs may impact your overall investment journey.
Frequently asked questions
Have questions? We are happy to help.
STP means a predetermined transfer of a set amount or units between two mutual funds schemes.
The minimum investment amount is determined by the fund house, but it is typically Rs. 500 or Rs. 1,000 per transfer. This varies with different schemes and asset management companies.
An STP moves money between schemes you already own. An SIP moves new money from your bank account to a mutual fund.
Yes, most AMCs let you change the STP amount, as well as the frequency and date, after submission of an on-line or written request.
The common types include fixed and flex STPs, each offering different levels of control over transfers.
You can begin an STP by filling out an STP registration form or using the online option provided by your mutual fund house.
Disclaimer
AMFI guide on industry returns: 10-year rolling returns between 01/06/14 and 31/05/24 (Index values are considered from June 2004 to May 2024) for various benchmarks. Mean returns are as follows: INR Gold 8.84%; Nifty 500: 12.80% ; Nifty 50 - 12.42 ; CRISIL 10 year Gilt Index – 6.61 and CRISIL Composite Bond Index: 7.85%. The above calculation is for illustration purpose only and not an indication of the performance of any schemes. Calculations are based on assumed rate of return as entered by investors and actual return may vary. Performance may or may not be sustained in future. Please get in touch with your professional advisor for a detailed suggestion. The calculations are not based on any judgments of the future return of the debt and equity markets / sectors or of any individual security and should not be construed as promise on minimum returns and/or safeguard of capital. While utmost care has been exercised while preparing the calculator, UTI MF does not warrant the completeness or guarantee that the achieved computations are flawless and/or accurate and disclaims all liabilities, losses and damages arising out of the use or in respect of anything done in reliance of the calculator. The examples do not purport to represent the performance of any security or investments. In view of individual nature of tax consequences, each investor is advised to consult his/ her own professional tax/ financial advisor before taking any investment decision. STP is a feature offered for disciplined transfer of a certain amount on a pre-decided date in a specific mutual fund scheme, regularly over a period of time.
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