How to Invest & Withdraw
STP — Systematic Transfer Plan
Move money gradually from a debt fund to an equity fund.
Updated 30 September 2026 · SEBI rules as of 2026
Within
Same AMC
How to Invest & WithdrawOverview
An STP transfers a fixed amount at regular intervals from one scheme to another within the same AMC — commonly from a liquid fund to an equity fund to deploy a lump sum gradually.
| Particular | Details |
|---|---|
| Within | Same AMC |
| Frequency | Daily / weekly / monthly |
| Tax | Each transfer is a redemption (capital gains) |
| Exit load | May apply on source scheme |
Example
| Step | Detail |
|---|---|
| Park | ₹6 lakh in liquid fund |
| Transfer | ₹50,000 monthly to flexi cap fund |
| Duration | 12 months |
Plan your investment
Frequently asked questions
Is STP taxable?
Yes — each transfer redeems units from the source scheme.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Information is educational and may change with SEBI / tax rules — verify with the AMC, AMFI or SEBI. FinancePortal is not an investment adviser.