SYSTEMATIC TRANSFER PLAN

Move money gradually instead of shifting it all at once.

An STP transfers a specified amount periodically from one mutual fund scheme to another within the same fund house, subject to scheme availability.

Best suited for

Often used when an investor wants to phase money from a lower-volatility source scheme into another scheme over time.

GoalPurpose first

HorizonTime matters

RiskProfile aware

ReviewTrack progress

AMFI ARN Holder

How It Works

Understand the method before using it.

An STP transfers a specified amount periodically from one mutual fund scheme to another within the same fund house, subject to scheme availability.

Investor ProfileTime HorizonRisk CapacityTax Impact

Key Points

Staggered deploymentReduces reliance on a single market-entry date.

Source + destinationRequires eligible schemes within the same AMC.

Taxable transfersEach transfer is generally treated as a redemption from the source scheme for tax purposes.

Simple Process

Clarify why the money is being invested or withdrawn.

Decide when the money may be needed.

Choose suitable scheme categories based on risk and goal.

Track progress and make changes when the goal or circumstances change.

Use this as a planning framework, then choose schemes only after considering suitability and risk.