Income Tax on SIP Maturity & Redemption [Excel Examples] | LTCG & STCG Calculations

[@prakashdhawade31]

Clear explaination, most of the people had this confusion nicely explain, Keep supporting guys...Thank you

[@fincalc]

Thank you so much. Means a lot 🙂👍

[@qarina]

Excellent video! You have explained in a very easy yet detailed manner. I have started investment in MF thru SIP this year and always wondering how to calculate tax in correct manner. Kudos 👏🏻

[@fincalc]

Glad it was helpful!

[@VS-bl3vj]

​@@fincalc sir 20 saal Tak sip chalu hai uska profit 25lakh ka hai to uspe 10% ka tax lagega ??

[@anandsagar3737]

@14:48 , what will happen if I choose to sell only162 units rather than all. Will the units sold be the oldest one or newest one? Will it be like LIFO or FIFO ?

[@swapnajit92]

Great expiation,thank you,

[@SA-eg9ft]

Very good explanation, with examples.

[@PRADEEPSINGH-fh3yt]

Very informative video.

[@amit5036ma]

Need of a time Video. Thank You

[@fincalc]

welcome

[@MahtabAlam-zj5xy]

Efforts u made for your videos in uncompareable thank u

[@fincalc]

Thank you so much for your kind words 🙂👍

[@tushar4753]

1 number bro

[@fincalc]

Thanks

[@rahulsolanki4374]

Bahut badiya Bhai 🎉..... PPF and index fund and elss kr bare m bhi comparison karke bna dijiyega...tax including karke please 🙏🏽

[@musiccocktail9992]

Very nice. Thank you

[@fincalc]

Welcome 😊

[@ashokreddy432]

Hi, Thanks for info. Could you please explain how can we apply tax harvesting in SIP mode mutual funds?

[@santoshkar267]

Fantastic

[@fincalc]

Thanks 👍

[@tanmoykundu9201]

should I keep track of all my mutual fund investment in excel sheet?

[@fincalc]

Yes that would be better. Alternatively you can use the moneycontrol app to track your mutual funds investments as well

[@anandswarupnigam361]

Sir, please also make a video with example in which a portion of units are sold, not all. Then how LTCG and STCG will be calculated?

[@fincalc]

Yes this topic is covered in this video kzbin.info/www/bejne/mHeziKyDmsmtoqM

[@surendrasingh-gr7lc]

How do i sell my oldest units of SIP and how to know the NAV of that time

[@fincalc]

you can check in CAMS

[@sanchacko111]

Thank you so much

[@fincalc]

You're most welcome

[@tanmoykundu9201]

I have started investing in mutual funds couple of months ago.. I was wondering if is there any easier method to calculate the tax.. I mean when redeeming do we get any mail where how much capital gain is mentioned? if yes, can you show it in your next video?

[@fincalc]

Not in mail but you can check on cams website. I'll upload a video soon about it. Subscribe and stay tuned 👍🙂

[@tanmoykundu9201]

@@fincalc thanks.. i just find out about cams

[@thejaswiviji4130]

Super super super thanks sir thanks sir

[@fincalc]

Welcome. Share with others as well 🙂

[@CalorieCountRecipes]

Is there any possibility to save this long term tax on SIP redemption, because I do SIP regularly on long term basis

[@faizalvasaya2245]

Hey Where can I get the excel file that you have used. I need to use it for my own profit calculation.

[@fincalc]

You can download excel from here fincalc-blog.in/income-tax-on-sip-maturity-or-redemption-explained/

[@mantukalita919]

Thank you sir

[@fincalc]

Welcome

[@arghyamukherjee8583]

What will happened in case of ltcg . Means after 10% deduct from profit after 1 lakh will be add in gross in case of salaried person and again give tax as per tax bracket.

[@ayush0bhardwaj]

STCG me agr profit hota hai 1 lakh se niche lekin anual income 2.5 lakh se kam h to bi tax dena hoga kya

[@barenpaul5253]

Sir, If I start investing on 14.09.2017 as SIP @ Rs. 1000/- per month and keeps on investing for 34 months i.e upto Nov 2020 and redeem on Aug., 2021 and get Rs. 56875/- . Thus, earn Rs. 22875/- , and I do not have any ISIN or NAV. What will be my tax liability? Please answer considering it as equity fund and debt fund.

[@hlogha6076]

Dear this calculation is on implementation of tax on mf How will it calculate on the investment and gain on invested before 31jan 2018

[@SanjoyKumarMelody]

Sir Agar Income 2.5 Lakh se kam hai to kya STCG main Tax dena parega?

[@u.b.jadhav238]

Whether one lakh LTG exemption is applicable forMF & equity shares seperately

[@fincalc]

Not separately

[@88836gahw]

SIP mai jo units bechne hote hai vo har month bechna hoga ki pura ek saal wait karke pure saal ke units bech sakte hai

[@mehulprakash4295]

Sir, plz do a comparison between a mutual fund and an index fund for 20 years. And plz show the total amount after deducting the expense ratio of the respective mutual and index fund.

[@palashdas7021]

Sir, I have invested monthly 2000/- in SBI small cap mutual fund in financial year 22-23 but don't sell any units. So, according to you there is no capital gain. Now which ITR form I have to submit during income tax return filling? ITR-1 / ITR-2 ....Please help, I am confused.

[@AlkalineMind]

Sir SiP ke 1st installment ke bad one month ka gap kyu hota hai ? Aur us montha ka sip kaise cut hoga ? Ya nahi? Jaise aaj meine 15 jan ko 5k ki sip start kari toh groww app me bta rha hai ki apki 2nd installment 15 march ko hogi na ki 15 feb ko. Due toh BSE processing time. Pls explain kariye isko ?

[@amitdutta1903]

If i redeem my all mf Unit after a 5 yrs or 10 yrs thn no STCG tax applicable on my mf units.. is that Right? All mf units calculated as per LTCG tax bracket ( if 1lac above in a Financial year in between). right?

[@CreativeArtbyDR]

NAV kaha se milega???

[@mkb9344]

Hi I have a query, got sip in the initial days of starting my career my dad got it for me from SBI bank, now he doesn't remember why and what are the uses, I don't hv slightest idea about sip, every month 1k is deducted from my ACC and goes to sip, pls help me understand this.. should I continue this? Best way to clear my basic doubts about sip

[@fincalc]

That's great that your dad started sip long before. Here is a video about how sip works watch this kzbin.info/www/bejne/b6nOhGqqqJl-rMU Usually sip is a way to invest in mutual funds to get good returns. You can read more about sip here on my website to understand its benefits fincalc-blog.in/sip-returns-excel-calculator-systematic-investment-planning-returns-excel-video/ And you should continue with it. Cams website can help you to know how much money you have deposited so far and how much returns you must have got till now. Hope it helps.

[@mkb9344]

@@fincalc thanks a lot for quick reply, will check and go through above links 🙏

[@dipandebbarma04]

SIP 10,000/- 30 year ka Tax kitna hoga?

[@divakargupta1923]

Agr hum SIP krte h to kya ye possible h ki bs long term wale units ko sell kre aur short-term wale ko nhi. Jisse stcg na dena pde.

[@fincalc]

Yes. Jo sabse pehle units kharide hai vo pehle bikenge.. to accordingly hum ltcg vale units bech sakte hai. Good point 👍

[@azizurrahman7069]

अगर हम अपनी सैलरी ऐकाउंट से मैचूअल फंड लिये है और हर साल इंकमटेस दे रहे तो भी इनकम टेक्स्ट देना पड़ेगा

[@ALOKKUMAR-jk8uw]

Sip 50 हजार पर ईयर होता है तो tax केसे लगेगा क्युकी 1 लाख पर ईयर होगा तब tax लगेगा ईयरली इनकम 1 लाख जानें हीं न दें तो टैक्स तो नहीं लगेगी बड़ा कन्फ्यूजन है Please reply 🙏🙏🙏🙏

[@rakeshtirki6570]

मान लो STCG 1लाख से कम हो तो टैक्स लगेगा या नहीं

[@asitadhikari7272]

Thank u Sir