Insurance & tax
Mutual Fund Capital Gains Tax Calculator
Planning to redeem mutual funds? See how much tax you will pay and how much you keep.
How this calculator works
Equity fund units held for more than 12 months are long-term: gains up to ₹1.25 lakh a year are tax-free and the rest is taxed at 12.5%. Units held for 12 months or less are taxed at 20%. Cess of 4% is added.
Things to keep in mind
- Book up to ₹1.25 lakh of long-term gains each year to use the exemption.
- Each SIP instalment has its own 12-month holding period.
- Debt funds bought after April 2023 are taxed at your slab rate.
FAQs
Is SIP taxed differently?
Each SIP instalment is treated as a separate purchase, so its holding period and gain are counted separately.
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