I hold a significant volume in SBI Magnum Taxgain invested through SIP for full three years. As now, the three year lock in period is over and SIP stopped, I intend to start monthly STP to take out from this fund to invest in HDFC Equity Growth. Can I start STP from SBI Taxgain to HDFC. Is it the right approach to start transferring the funds from ELSS to open ended funds at the onset of DTC (though applicable from April 2012).