STP Calculator
A Systematic Transfer Plan (STP) moves a lumpsum gradually from a debt fund into equity, instead of investing it all on day one. This calculator replays your STP against actual historical Nifty 50 TRI values from 1999-06-30 to 2026-07-28, and compares it to what would have happened if you'd invested the full lumpsum directly instead.
Historical data available: 1999-06-30 to 2026-07-28.
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This calculator uses actual historical Nifty 50 Total Returns Index values and a fixed assumed debt fund yield to illustrate what a Systematic Transfer Plan would have returned over the selected period — it is not a projection or guarantee of future performance. Past performance does not indicate future results. Consult Fynvisor for advice tailored to your financial situation.
STP vs. lumpsum: it depends on the market
An STP reduces the risk of investing a large sum right before a market downturn, by spreading entry over several months. But that same spreading can mean missing out if the market simply keeps rising throughout your transfer period — as happened, for example, during sharp recovery rallies. There's no single right answer independent of market conditions; that's exactly why this calculator replays real historical data instead of a flat assumption, so you can see how the two approaches actually compared across different periods.