STP calculator
Park a lumpsum in a liquid or debt fund and move a fixed amount into an equity fund every month.
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Detailed breakdown
How it's calculated
Each month the transfer amount moves from the source fund to the equity fund, and both balances then grow at their own monthly rates. Transfers stop when the source fund runs out.
Common questions
Why use an STP instead of a lumpsum?
An STP spreads your entry into equity over months, which lowers the risk of investing everything just before a fall, while the parked money still earns a debt-fund return.
Is each transfer taxed?
Yes. Every transfer is a redemption from the source fund, so any gain on those units is taxed.
Last reviewed October 2026 · How we calculate · About Selvayana
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