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Systematic withdrawal aur transfer ka mechanism, aur kaunsa kis kaam ka
Published by The Retail Trader · JUL 31, 2026 · Mutual Funds & AMC
SIP paisa daalne ka systematic tarika hai. Uske do bhai hain — SWP paisa nikaalne ka aur STP ek fund se doosre mein shift karne ka. Teenon ka logic ek hi hai: faisla ek baar, execution automatic.
SWP mein har mahine ek tay rakam aapke bank mein aa jaati hai. Uske liye utni units redeem hoti hain jitni us din ki NAV par zaroori hon.
STP mein har mahine ek tay rakam ek scheme se nikal kar doosri mein chali jaati hai, aksar debt se equity ki taraf.
Inka istemal aam taur par in situations mein hota hai:
• Retirement ke baad regular income ke liye SWP, kyunki wahan control aapka hota hai.
• Ek badi rakam ko dheere dheere equity mein daalne ke liye STP.
• Goal ke paas aakar equity se debt mein shift karne ke liye bhi STP.
• Dono mein har transaction redemption hai — matlab tax aur load dono lag sakte hain.
SWP ki rakam portfolio ki growth se zyada rakhi jaaye to corpus dheere dheere khatam hota hai — ye koi kharaabi nahi, bas ganit hai. Withdrawal rate pehle se decide karna hi is poore mechanism ka asli faisla hai.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.