Eswari Guduru

Guduru Anantha Eswari Rajeswari · AMFI MFD ARN-309076

AP Kotak Securities INZ000200137 · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796

Investment Proposal

STP — Systematic Transfer Plan Calculator

STP Calculator — Systematic Transfer Plan India 2026

STP — Systematic Transfer Plan

Park a lumpsum in a liquid fund and transfer a fixed amount monthly into an equity fund. Smart entry for large one-time investments.

STP: The Best Way to Deploy a Large Lumpsum Into Equity

When you receive a bonus, inheritance, or property sale proceeds, dumping everything into equity at once is timing risk. An STP parks the lumpsum in a liquid fund (earning ~7% while parked) and systematically transfers a fixed monthly amount into equity over 6–18 months. You get the safety of rupee cost averaging without missing out on the liquid fund returns on the idle portion.

STP Configuration

Initial Lumpsum in Liquid Fund (₹)

Monthly Transfer to Equity (₹)

Liquid Fund Return (%)

Equity Fund Return (%)

12%

Hold Equity After STP Completes (years)

10 yrs

Final Corpus (Equity)

₹—

STP Duration

—

Liquid Earned

—

Equity Corpus at STP End

—

vs Direct Lumpsum

—

Disclaimer: Illustrative only. STP tax events at each transfer. Consult CA. ARN-309076.

Discuss with Eswari ← All Calculators

Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com
All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations, where applicable, use FY2026-27 slabs — consult a CA for personal advice.