STP kya hai, SWP kya hai, mutual fund systematic plans — complete Hindi guide.
Published by The Retail Trader · AUG 18, 2026 · Features
STP kya hai, SWP kya hai, mutual fund systematic plans — complete Hindi guide.
STP = Systematic Transfer Plan. Ek fund se dusre fund mein regular transfer karna. Usually debt fund se equity fund mein.
Use case: Lump sum paisa hai, ek baar mein equity mein nahi dalna — STP se slowly transfer karo.
SWP = Systematic Withdrawal Plan. Mutual fund se regular withdrawal lena. Monthly income ke liye.
Use case: Retirement ke baad monthly income chahiye — SWP se regular paisa nikalte raho.
Ye paanch baatein dhyaan mein rakho:
• Lump sum: ₹12 lakh debt fund mein
• STP: Har mahine ₹1 lakh equity fund mein transfer
• Duration: 12 months
• Benefit: Debt fund mein interest mil raha hai + Equity mein rupee cost averaging
Ye paanch baatein dhyaan mein rakho:
• Corpus: ₹50 lakh equity fund mein
• SWP: Har mahine ₹25,000 withdrawal
• Duration: ~15-20 years (depending on returns)
• Benefit: Regular income + remaining corpus grows
Ye chaar baatein dhyaan mein rakho:
• Direction — STP: Fund A → Fund B, SWP: Fund → Bank, SIP: Bank → Fund
• Purpose — STP: Deploy lump sum, SWP: Regular income, SIP: Regular investment
• Source — STP: Debt fund, SWP: Equity fund, SIP: Bank account
• Best for — STP: Lump sum investors, SWP: Retirement income, SIP: Salaried investors
Ye teen baatein dhyaan mein rakho:
• Fixed STP — Fixed amount transfer hota hai
• Capital STP — Only gains transfer hote hain, principal stays
• Flexi STP — Amount market level ke according change hota hai
SWP equity mutual fund se lo toh:
• LTCG (>1 year): 12.5% above ₹1.25 lakh
• STCG (<1 year): 20%
Example:
• Monthly withdrawal: ₹25,000
• Yearly: ₹3,00,000
• LTCG tax (above ₹1.25L): ₹1,75,000 × 12.5% = ₹21,875
• Effective tax rate: ~7%
Ye baatein dhyaan mein rakho:
• 📌 STP & SWP
• STP (SYSTEMATIC TRANSFER PLAN):
• 📊 Debt fund → Equity fund
• 📊 Lump sum slowly deploy karna
• 📊 Rupee cost averaging benefit
• SWP (SYSTEMATIC WITHDRAWAL PLAN):
• 📊 Fund → Regular income
• 📊 Retirement ke baad monthly income
• 📊 Tax efficient (LTCG 12.5%)
• TYPES:
• 📊 Fixed STP — Fixed amount
• 📊 Capital STP — Only gains transfer
• 📊 Flexi STP — Market-dependent amount
• STP vs SWP vs SIP:
• 📊 STP — Deploy lump sum
• 📊 SWP — Withdraw regularly
• 📊 SIP — Invest regularly
• BEST USE:
• 📊 STP — ₹12L lump sum, ₹1L/month equity mein
• 📊 SWP — ₹50L corpus, ₹25K/month income
Ye baatein dhyaan mein rakho:
• Mutual Fund Types | SIP vs Lump Sum | Retirement Planning
The Retail Trader — educational market analysis. Not investment advice.
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.