What is STP ?

While investing in a debt fund normally assures you of fairly consistent returns, equities have the potential to create wealth. But the unpredictability in equity funds can be quite a deterrent when you make a choice. To combine the best of both worlds, we present Systematic Transfer plan.

Ideal For

Investors who want to invest lump sum money in schemes with stable returns and ensure small exposure to equity schemes in order to avail of the potential for higher growth through equities.
Invest a lump sum amount in a debt-oriented scheme. Specify a desired amount to be transferred to any of our equity schemes like any of Equity Plan. The amount will be transferred to the selected scheme on the 1st of every month

STP will be available to investors in the following schemes: Bond Funds, Bond Index Fund, Cash Plus, Dynamic Bond Fund, Floating Rate Fund, Gilt Plus, Income Plus or MIP (An Open-Ended Fund. Monthly Income is not assured and is subject to availability of distributable surplus) (An Open-Ended Fund. Monthly Income is not assured and is subject to availability of distributable surplus)

Allows investors to transfer a fixed amount at regular intervals into any of the following designated equity schemes : Advantage Fund, Balance, Dividend Yield Plus, Equity Plan, Opportunities Fund, MNC Fund, Midcap Fund, Equity Fund .

Investor has the option of:
Monthly Systematic Transfer Plan
Quarterly Systematic Transfer Plan
Minimum Balance:
Minimum Balance in the scheme at the time of enrollment for STP facility should be Rs. 6000/-

Minimum Transfer Amount

Monthly Systematic Transfer Plan
Investors are required to instruct for minimum 12 transfers of Rs. 500/- and above each or minimum 6 transfers of Rs. 1000/- and above each.
Quarterly Systematic Transfer Plan
Investors are required to instruct for minimum 4 transfers of Rs. 1500/- and above each

Monthly Systematic Transfer Plan - Transfer can be of following dates:
1st or 10th or 20th of each month.

Investors can also opt for multiple dates within a month and in this case, the transfer can be instructed for 1st and / or 10th / and / or 20th of each month.
Quarterly Systematic Transfer Plan - Transfer can be of following dates:
1st or 10th or 20th of the beginning month of each quarter
(January, April, July, October)

Each amount transferred under STP, if less than or equal to Rs.10,00,000/- from the transferor scheme to the transferee scheme shall be effected by redeeming units of the transferor scheme at the applicable NAV, without payment of any exit load, if any; and subscriptions to the units of the transferee scheme at the applicable NAV, without payment of any entry load, if any, as on the specified date of a month/quarter. However, the applicable entry load originally waived will be levied in the Transferee Scheme if the units are redeemed/switched out within 365 days from the date of transfer in the transferee scheme. For switches within the equity funds during the 365-day period, no load will be charged.

To invest follow these simple steps:
Download Application forms from our Website www.pticindia.com
Request for form by email at ptic@pticindia.com
You may contact our channel partners.

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