How is STP taxed in India?

Each transfer in an STP is considered a redemption from the source fund and a fresh purchase in the target fund. If the source is a debt fund, gains are taxed at your slab rate in FY 2026-27.

Is STP better than lumpsum in a high market?

Yes, STP is generally safer when markets are at all-time highs as it staggers your entry and prevents the risk of the entire capital being hit by a immediate market correction.

STP Calculator

Plan your phased move from Liquid/Debt funds to Equity Mutual Funds with debt-taxation modelling.

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Documentation

Quick Summary: STP Calculator

An STP (Systematic Transfer Plan) calculator estimates the growth of your corpus when funds are transferred from a source fund to a target fund. It helps in rupee cost averaging for large sums while earning stable returns on the source corpus.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.