Income Tax on ₹2000 SIP Returns | Mutual Funds Taxation Calculation in Hindi

Income Tax on ₹2000 SIP Returns | Mutual Funds Taxation Calculation in Hindi STCG & LTCG
In this video by FinCalC TV we will see Income Tax on Mutual Funds SIP in India in Hindi using Excel.
How much income tax you pay on ₹2000 SIP Returns on mutual funds with calculations for next 15 years.
Online SIP Calculator:
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₹2000 SIP Returns Calculation for next 1-15 years:
• SIP Returns Calculatio...
20 Years SIP Returns Calculation:
• 20 Years SIP Returns E...
Save Income Tax on SIP:
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CHAPTERS:
00:00 Income Tax on Mutual Funds Intro
00:33 Types of Capital Gains Tax
01:51 Income Tax on SIP in Excel
02:51 STCG vs LTCG Income Tax
03:44 Calculating Total SIP Deposits in Excel
04:28 Using SIP Calculator for Returns
07:08 Income Tax on STCG Calculation
11:49 Dividing Gains into STCG & LTCG
15:44 Income Tax on LTCG Calculation
17:54 How to Save STCG Tax
22:59 How to check Capital Gains for FY using CAMS
24:57 Income Tax on Mutual Funds Conclusion
Income Tax on SIP Maturity or Redemption is calculated similar to lump sum investment, where we take each SIP installment as lump sum investment amount. Based on Equity or Debt mutual funds, the holding period is recognized and the gains (STCG or LTCG) are taxed based on predefined rates. The gains Tax rates are flat irrespective of which Income Tax bracket you fall under. Also, in case your income is below basic exemption limit in a financial year, you need not have to pay any Tax on STCG you make provided your total income in FY is below basic exemption limit and you are a resident Indian.
WHAT ARE STCG & LTCG
STCG or Short Term Capital Gains and LTCG or Long Term Capital Gains depends on whether the Gains are being calculated on Equity Mutual Funds or Debt Mutual Funds.
Equity Mutual Funds - Funds that have 65% or more exposure in Equity
Debt Mutual Funds - Funds that have 65% or more exposure in Debt instruments
Holding period for Equity Mutual Funds is considered as 1 year. So if you make gains on Equity mutual funds after holding the funds for less than 1 year, it is called STCG (Short Term Capital Gains). And if you hold Equity mutual funds for more than 1 year and make gains, than it is called LTCG (Long Term Capital Gains)
Similarly, Holding period for Debt Mutual Funds is considered as 3 years. So if you make gains on Debt mutual funds after holding the funds for less than 3 years, it is called STCG (Short Term Capital Gains). And if you hold Debt mutual funds for more than 3 years and make gains, than it is called LTCG (Long Term Capital Gains).
TAX RATES ON STCG & LTCG
STCG Tax Rate = 15% on the gains made
LTCG Tax Rate = 10% on the gains made above Rs. 1 Lakh
ADJUSTMENT OF STCG AGAINST THE BASIC EXEMPTION LIMIT
Basic exemption limit means the level of income up to which a person is not required to
pay any tax. The basic exemption limit applicable in case of an individual for the
financial year 2021-22 is as follows :
For resident individual of the age of 80 years or above, the exemption limit is Rs. 5,00,000.
For resident individual of the age of 60 years or above but below 80 years, the exemption limit is Rs. 3,00,000.
For resident individual of the age below 60 years, the exemption limit is Rs. 2,50,000.
For non-resident individual irrespective of the age of the individual, the exemption limit is Rs. 2,50,000.
ADJUSTMENT OF LTCG AGAINST THE BASIC EXEMPTION LIMIT
A resident individual can adjust the LTCG but such adjustment is possible only after making adjustment of other income. In other words, first income other than LTCG is to be adjusted against the exemption limit and then the remaining limit (if any) can be adjusted against LTCG.
LTCG will be taxed at 10% on profits above Rs. 1 Lac.
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DISCLAIMER:
Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown. It is advised to seek professional help before taking any financial decisions. The owner of this channel shall not be liable in any way.

[@user-gu9qz5ns7v]

Very good 👍 well explained

[@nelliganesh7431]

Valuable information

[@SandipPatel-cl9ei]

Very nice information

[@guruvachangrampardhanpal3775]

Agar aapka profit 1 lakh s jyada hai ,uske bad total profit s 1 lakh minus krke baki profit ka 10% dena tax dena hoga ,bat khtm😂

[@Indoraptor0001]

Mene toh fund switching ker ke return ko reinvest ker diya 😂😂 aab Mera return principal amount ban gaya aur mujhe uspe tax nhi dena para

[@arnavsharma8575]

@@Indoraptor0001bhai ache se smjha skte ho?

[@GTmusicandmore]

​@@Indoraptor0001 If we switch the fund still tax is applicable as profit book hoke new scheme me investment hota he

[@pronoypandit2481]

​@@Indoraptor0001ye apne kaise kia?

[@_dyutish_4030]

Will my CA do all the MATHA PHORI for me? 🐒

[@worldrecordlive5486]

Nice 👌 information

[@shivamchouhan2980]

Thanks bro❤

[@Manoj-zy6ne]

Very well explained..easy to understand

[@fincalc]

Thanks for liking

[@arkifoks253]

Excellent

[@ysingla1]

Sir hats off to your work...itni calculations 😮 and that too with proper understanding

[@fincalc]

Thanks a ton

[@ketanshinde5185]

Sir excell copy chahie

[@narindersatija]

Very nicely explained

[@yashsaini749]

Tnx

[@prasadtirth9226]

good Explanation ❤

[@fincalc]

Thank you 🙂

[@premchhappesh9841]

Very nice explain.

[@fincalc]

Glad it was helpful!

[@Eldorado086]

Bro jaise maine 2000 15 saal ke liye invest kiya to profit or Texas kitne honge profit or tax btao 12 return ke according

[@rimods7829]

Yadi Long & / or short term me Loss hota hai to ITR me iska koi information ho to clauses k sath bataye,..

[@SlBoss14]

Nice explanation

[@what-sappme142]

Send a text on whatsApp with the number above

[@fincalc]

Thanks 👍

[@pankajmyhr]

If do the SIP at 500/- pm in three ELSS fund with lock in period of 3 year.. So what will be calculation for Tax...? Kindly suggest

[@rupeshborker590]

Nicely explained

[@fincalc]

Thank you so much 🙂

[@puneetmusre8554]

@@fincalcLTCG 112 pa to 20percent lagta ha na

[@sksacademy]

इनकम टैक्स पेमेंट वेबसाइट पर किस प्रकार से करेंगे जिस प्रकार से अपने कही है stcg और ltcg में

[@harsharaghuveer6327]

How to calculate capital gains for partial withdrawal.

[@umeshbisht501]

Plz arrange CAPITAL GAIN TAX calculator for SIP & LUMPSUM separately in excel format

[@pallabghosh9635]

Can you make a video on Income Tax on 2000 R.S Step Up SIP?PlZ..

[@nvshoppeshots9199]

Nice

[@fincalc]

thanks

[@manibansal8047]

Hello, can you please make video on taxes for Mutual funds with example 10% and 15% is Long term and Short term respectively, Apart from that can you please explain how surcharge tax would be on higher gains suppose we invest for 30 years?

[@manibansal8047]

Hello, If we are selling after 4 years then last 1 year Units profits will be calculated as STCG and you are considering only 1st year units as STCG, I think then E column value would be different based on Unit Price of last year?

[@amangarg3812]

Nope u are wrong, he has taken correctly as sip investing amount is same and returns is same as per FIFO last 12 months investments also give same returns so value of STCG wont change

[@user-st9io8os2g]

Thx 4 sharing video my doubt is clear abt tax paying. Maturity puri ho jaay or maturity par amount receive hota hai to itna kitna tax pay karna hoga?

[@fincalc]

thanks, yes depends on profits made

[@bhushangajare7336]

You are genuine

[@what-sappme142]

Send a text on whatsApp with the number above

[@fincalc]

Thanks

[@ranjancom2000]

Pls create the SWP TAX calculator

[@unknown_boy8852]

Sir500or 1500/1000mai kitna lagega

[@kailashtiwarivlogs]

manlo mera profit m kuch unit bech du to 1 sal count hoga ya 3 sal

[@ANKITKUMAR-qj3cl]

❤

[@gamingwithikka9884]

what about sub charges

[@dakshgupta68]

indexation benefit for ltcg?????????????

[@souravlaga2645]

Tax automatic cut hoke account me ayega yea year end me ITR file me tax pay krna hoga?

[@amitamazon4085]

Year end me itr file ke waqt tax pay krna hoga

[@aareshramteke6151]

Is it possible we can have loss in long term?in 15 years?or we will surely have profit in long term?

[@darshannasare9358]

In growing economy like India You will never see loss in long term

[@RaviGupta-ge1jp]

How can I determine capital gains on MF investment BEFORE making the sale?

[@ArtOfFinance]

Mainly financial advisors help in that cases

[@adarshsingh5510]

Required it's excel sheet not available on website and app. Kindly upload on website

[@aryank.s7054]

Bhai tumne taxes to achha smjhaya bhot pr calculations complicated krdi

[@milandey9238]

Salary person -3,50,000/- taxable income. Tax nahi lagta. But 1,20,000/- long term MF profit hua hai. Mera tax return main 2000/- k aas pass tax dikhai de raha hai. Mujhe kya tax dena padega??? Plz sir ans

[@guruvachangrampardhanpal3775]

Kitna difficult bna diya ,itni ashan bat ko

[@onkareshwarkoppal4158]

Agar hum current year ke units nahi bechenge aur sirf pichale sal ke bechenge toh short term capital tax nahi lagega right?

[@amitamazon4085]

Yes right

[@deepkumar1821]

जब इन्वेस्टर अपनकैपिटल पर रिस्क ले रहा h तो govt tax क्यों? लेती h

[@vinoddesai4025]

Sir agar hum 1lack investment karte hai our 2 mahine baad withdraw karte hai aise mai 2 condition ho 1) 1lack ki current value 90k ho matalab hum 10k loss mai hai tabhi exit loadeand 15% paid karna hoga kya 2) 1lack ki value 120000 ho to exit load and 15% tax 120000 per lagega ya sirf 20000 jo earn Kiya hai us per lagega

[@SHAREPICKER]

Exit Load dena padega Tax 1lakh se jyda wale profit par dena hoga 90 hajar hoga tab bhi nahi dena hoga

[@ranjanafoodcentre5300]

Sir income tax return me kaise show karna hai

[@AmritRaj-bm3ik]

Bhai agr hm 90000 tk ki profit sell kr dete hai ek financial year me and next me phir 90000 ki profit wali share sell krte hai to usme to ltcg ni n dena hoga kyuki ye tax to ek financial year me 1 lakh k upr k liye hai to hn next year me dubara to redeem kr skte hai n

[@banglarahasyagolpo8783]

Agar meri income sare exemption ke baad koi tax slab mein nehi aate to kiya 1 saal ke andar kuch mutual fund unit bechne par 15% STCG dena padega, please comment karke bataiye.

[@asarkar7989]

Tax on MF is independent of your tax slab. You have to pay LTCG or STCG as applicable irrespective of your income slab.

[@Introvert_Explorer791]

Can you please give that excel with formula

[@himanishukla1729]

Income tax return m profit flash hota hai per humne mutual fund units sold nhi ki to bhi kya tax dena hoga. If not then what comply we shoud give thre

[@amitamazon4085]

Sold kroge tbhi tax lgega ni toh ni lgega

[@Ksquare27]

I have invested ₹1.5 lakhs each in two mutual funds, Parag and Kotak, totaling ₹3 lakhs in 2024.Considering Long-Term Capital Gains (LTCG), and an annual interest earned per year as follows:2025: ₹50,000 each from Parag and Kotak2026: ₹50,000 each from Parag and Kotak2027: ₹50,000 each from Parag and Kotak2028: ₹50,000 each from Parag and KotakIf I sell only Kotak in 2025, realizing ₹50,000 in gains, how much tax would be implemented? If I sell only Parag in 2026, realizing ₹1 lakh in gains, what would be the taxable amount?"

[@dku24]

Sir STCG & LTCH dene ke bad mutual fund ka profit tax slab me bhi count hoga?

[@MOVIE-CLIPS1878]

Kya Mutual fund bechne par hi tax lagta he ya beech me interest 1lac se upar ho tab tax lagta h.????

[@fincalc]

Bechne par tax lagta hai

[@MOVIE-CLIPS1878]

@@fincalc OK. Thanks for reply.

[@pardeepsanhotra235]

Overall Profit hota k nhi 5 saal mutual fund mae invest krne kae baad

[@fincalc]

hota hai

[@rajeshrajput3253]

kya koi aisa calculator hai jisme lumpsum or SIP amount Par Ek Sath calculation ho sake❤❤❤

[@oskarhazaika1885]

Mutual fund grow par bechne par income tax automatic cut ho jayega ya khud se bharna parega

[@fincalc]

khud se bharna hoga ITR file karte samay

[@indersinghking]

Bhai ye Excel sheet provide krdo

[@basitsk6053]

How to save tax wo to bataya hi ni

[@rajanchaurasiya1734]

15% is included in cess or it is 15+4%?

[@amitamazon4085]

Same question

[@jantusarkar9294]

30 sal ke liya video koro

[@onkareshwarkoppal4158]

Waisebhi equity ke mutual fund me locking period hota hain 3 saal ka to STCG lagegahi nahi

[@HardeepSingh-hg4ld]

No brother, you r wrong. Only ELSS or long term equity funds have a locking period, as these are tax saver funds. Normal equity funds have no locking period.

[@anmolverma9318]

This turned into more Excel class then finance class.😂😂😂😂

[@fincalc]

That's great. Finance and Excel should go hand in hand

[@TROUBLESHOOT.100]

Agr SIP investment redeem karna ho after 5 year and portfolio me profit more than 1 lakh ho.. To kya hm tax bachane k liye parts me redeem lr skte hai jisse overall amount 1 lakh na ho ....?

[@fincalc]

yes kar sakte ho. aap smart ho :)

[@Vishwakarmajiamethiwale]

Thara bhai joginder ki tarah lagte ho bhai aap 😅

[@phalgunaraogummadi263]

If we cant reedem my mutualfund then any tax on profit?

[@amitamazon4085]

No

[@Dnyaneshwar_Mulay]

ELSS

[@Eldorado086]

Please help me

[@jitukumargupta9594]

Aj agar sale na kare to aj koi tax nhi lagega..15 yrs bd jab sale karenge tb hi ek sath dena hoga kya ?

[@amitamazon4085]

Jo profit hoga uspe lgega tax

[@ckjbanti]

How to calculate tax on sip 10000

[@fincalc]

same procedure for tax calculation on Rs. 10,000 sip

[@Gujarati_Music]

Send Excel sheet of video

[@pikuset9177]

Kya Ye Direct growth plan mai applicable hoga ?

[@fincalc]

yes

[@vishwassakpal9205]

भाई, अगर LONG TERM भरने के बाद LTCG चालू हो रहा है तो STCG का AMOUNT भी ADD होगा क्या टॅक्स मे ???😢 अगर मे long time invester हूं और मे 15 से 20 invest कर रहा हु तो STCG बंद और LTCG चालू हो जाना चाहीये और अगर LTCG चालू हो रहा है तो STCG क्यू ADD हो रहा है ????

[@niteshgurav9417]

Video me 1 Lakh tak ki Chhut batai gayi hai, vo har ek fund par milti hai ya apne pure Portfolio par. Jaise ki agar mere pass 3-4 fund hai aur sab Fund me mujhe 1,15,000 tak ka profit huva hoga to in sab Funds me 1 Lakh ki Chhut milegi ya mere pure Portfolio par 1 Lakh ki Chhut Milegi.

[@fincalc]

Full portfolio pe milegi. Individual funds me nahi

[@niteshgurav9417]

@@fincalc, 😏 ye achhi bat nahi hai... Ok Thanks.

[@niteshgurav9417]

Thanks. Aap Bahot acche se explain karte ho... Aur exel sheet se calculation acche se samajhne bahot aasani ho rahi hai. Keep It Up.

[@thewanderingartists]

1 saal me 24 hazar dala to 1618 kyu profits?? Agar 10% b mile to 2400 hona chahiye

[@Ashish12330]

Har ek fund pe milti hai

[@vashishtkumar7667]

Bhai saheb aap ak app ka nam bataye jisme ham investment kar sake 3 aap is nam

[@pahadirajputayansh5420]

Groww app

[@neerajpathak3429]

agar hamare pass 07sip tu kya saton mein alag alag Long term 1 lakh tax benefit milega

[@fincalc]

nahi, overall 1 lakh profits pe hi tax benefit milega

[@Cartoons1746]

Unit puzzal kar Diya itna heard

[@kalpeshmakvana1206]

Hamne 5000/month invest kiya 3 sal ke liye aur return humko mila 98000 to phir humko tax pay krna padega ??

[@Puri790]

Nhi

[@mayurpatel3616]

​@@Puri790LTCG NAHI Lagega lekin wo banda kisi particular income tax slab me aata hoga ex.10% wale me to income tax to lagega na ?

[@banglarahasyagolpo8783]

​@@mayurpatel3616 han to woh salary se tds katega.Ltcg ke upir nehi tax katega

[@delhi488]

Should i pay tax if i sell mf in 2 years and again buy same mf in a month just for compounding?

[@fincalc]

when you sell MF, you make profits.. Tax is to be paid on these profits irrespective of whether you buy MF again or not

[@ravigoswami5626]

​@@fincalcsir we sell MF and our profits is less than 1 lakh Nikal ne ke bad dobara invest kr diya fund ko to ese tax save ho jayega na??

[@asifahmad9467]

Compounding to dikhya nhi aap

[@aniruddha2110]

1 laks k upar profit hota hai to 1% tax katega

[@painfullheart5600]

1 lakh tak kointax nahi hai

[@VikasSharma-uj8ws]

Income tax pay karne ke liye itr dena padega fir vakil ko 1200rupay lega

[@neelusaini800]

Sab to satkar kha ja rhi hai saving 😮😮😮

[@sayan.sen4]

Sara Paisa toh sarkar kha ja raha hai😢

[@pramodkumar-bx4wx]

Apke bus nahi samjhana .logo short banaya Karo video

[@vikaspatel5119]

😂😂

[@shreyaadak8445]

Profit hua to tax dena hoga . Loss hua to modiji kuch nehi dega?😢

[@neelusaini800]

Right 👍

[@birendrakumarjha8938]

Jansangh nam se jab party bani thi tab log kahte the ke yah punjipati ke party hai,garib ka esme koe mahatwa nahi

[@banglarahasyagolpo8783]

​@@birendrakumarjha8938 to congress ya aur kuch party ne kiya saare tax maaf kar diya tha kya?? Loss honge to use carry forward karo.tax exemption ke liye bahut saare process hai hi

[@hemanttoppo4254]

😊😊😊😊😊

[@rage4465]

To Rahul Gandhi deta tha kya aapko???

[@Shifa379]

Ye tax khud katt jata hai kya yearly after a certain level or bharna padta hai? ☠️💀💀🤮🤮

[@khaleel4401]

VERY LONG.............

[@9776524401]

Very clearly explained. Thank you.

[@fincalc]

Glad it was helpful!

[@shrishailguddodagi6694]

Ye kya hai yar sala risk leke hum kare our profit main government ko dho..