SIP
Step-up SIP
SWP
STP
Lumpsum
Tax planning
Retirement
Child future
Rolling returns
SIP vs lumpsum
Cost drag
Drawdown
Exit load
STP calculator
Move money from a debt fund into equity, one transfer at a time.
Amount parked in debt fund
₹12,00,000
Monthly transfer
₹50,000
Transfer period (months)
12
Equity fund return
12%
The debt side is assumed to earn 6.5% while it waits; each transfer then compounds in equity at your expected rate until the end of the period.
Transferred to equity₹6,00,000
Equity value at period end₹6,34,125
Still in debt fund₹6,62,165
Total₹12,96,290
Want to backtest with a real fund instead?
The international category page runs these numbers against actual scheme returns.