Mutual Fund Taxation | STCG Tax and LTCG Tax On Mutual Funds | Mutual Fund Tax Calculator

Mutual Fund Taxation | STCG Tax and LTCG Tax On Mutual Funds | Mutual Fund Tax Calculator
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Topics Explained in Video :
1. Mutual fund taxation
2. Mutual fund tax calculator
3. Stcg on mutual funds
4. Ltcg on mutual funds
5. Mutual fund taxation in india
6. Mutual fund tax
7. Mutual fund taxes explained
8. Mutual fund tax tamil
9. Mutual fund tax benefits
10. Mutual fund tax implications
11. Short term capital gain tax in mutual fund
12. Long term capital gain tax in mutual funds
Taxation of Capital Gains of Equity Funds:
Equity funds are those mutual funds whose portfolio’s equity exposure exceeds 65%. As mentioned above, you realiZe short-term capital gains on redeeming your equity fund units within a holding period of one year. These gains are taxed at a flat rate of 15%, irrespective of your income tax bracket.
You make long-term capital gains on selling your equity fund units after a holding period of one year or more. These capital gains of up to Rs 1 lakh a year are tax-exempt. Any long-term capital gains exceeding this limit attracts LTCG tax at the rate of 10%, and there is no benefit of indexation provided.
Taxation of Capital Gains of Debt Funds:
Debt funds are those mutual funds whose portfolio’s debt exposure is in excess of 65%. As mentioned in the table above, you get short-term capital gains on redeeming your debt fund units within a holding period of three years. These gains are added to your taxable income and taxed at your income tax slab rate.
Long-term capital gains are realiZed when you sell units of a debt fund after a holding period of three years. These gains are taxed at a flat rate of 20% after indexation.
Taxation of Capital Gains When Invested Through SIPs:
You purchase a certain number of mutual fund units through every SIP instalment. The redemption of these units is processed on a first-in-first-out basis. Suppose you invest in an equity fund through an SIP for one year, and you decide to redeem your entire investment after 13 months.
In this case, the units purchased first through the SIP are held for the long-term (over one year) and you realise long-term capital gains on these units. If the long-term capital gains are less than Rs 1 lakh, then you don’t have to pay any tax.
However, you make short-term capital gains on the units purchased through the SIPs from the second month onwards. These gains are taxed at a flat rate of 15% irrespective of your income tax slab. You will have to pay the applicable cess and surcharge on it.
#Mutualfundtaxation #mutualfundtaxcalculator #investechgurukul #stcgonmutualfunds #ltcgonmutualfunds
#mutualfundtaxationinindia #mutualfundtax #mutualfundtaxesexplained #mutualfundtaxtamil #mutualfundtaxbenefits #mutualfundtaximplications #shorttermcapitalgaintax #longtermcapitalgaintax
▒▒▒░░ DISCLAIMER ░░░▒▒
All Video of 'Investech Gurukul' are for education and information purpose only. The videos should not be considered as investment advice or as a recommendation.The user must perform a self-assestment before investing.

[@InvesTechGurukul]

Please Like & Subscribe Karna na bhoole ❤️

[@iqbalji427]

sir 5 year se 80000 rs profit mutual fund se earn kar raha karo ( equity mutual fund se ) total earning = 4 lakh hogye h ...aap bataye 4 lakh p tax toh pay karna h ya nahee ( bcz 1 year profit p 1 lakh p tax nil hota h )

[@snakesaverpawanmadame]

@@iqbalji427 mera bhi yehi questions hai

[@mukeshkeshri2130]

Baat dil ko chu gai.first time aapko dekh rahe h. Subscribe done.

[@JahangirAlam-gx9lw]

Bro direct sip kaha se ley

[@two8915]

may 5 lakh invest kia or jb 7 lakh hua may redeem kia 5 months may toh 15% tax 2 lakhs ka profit par lgyga ya 7 lakhs par?

[@ruchir257]

Was looking for this video for a long time..couldn’t find it anywhere..thanks for explaining in such an easy way..waiting for more such informational videos..big thumps up to the entire team

[@InvesTechGurukul]

So nice of you..Thanks Thanks Thanks

[@sureshnokia]

Same iam also searching for this info, great explanation and thanks a lot ,.

[@nightrider6289]

@@InvesTechGurukul what about rebate u/s 87A of 5lkh ?

[@vijaychaudhari3429]

Thank you sir, for such a detailed & informative video regarding taxation on mutual funds. Now looking forward for a useful video on filing itr2 specially focused on stcg & ltcg.

[@InvesTechGurukul]

Sure sir

[@Rohit.Yadav7890]

Bhut he Simple way se samjha diya apne... Examples se Ache clear kr diye doubts... बहुत शानदार 😇👌

[@manojbhatia6086]

ऐसी तकनीकी जानकारियों को सरल ढंग से रखना मुश्किल काम होता है, आपके द्वारा समझाई जा रही बातों में स्पष्टता है। बात समझ आती है। धन्यवाद....🙂🙂🙏🙏 Subscribed your channel।

[@kztapadar7250]

Video is explained in a very detailed manner answering all possible questions 👍👍👍♥️♥️

[@InvesTechGurukul]

Thanks a ton sir

[@kztapadar7250]

Among all these tax types, which is better in comparison to other, please try to mention. So that it would become more beneficial for us.

[@sureshbbhagatbhagat3846]

Log mutual fund ke faidey ke bare may batatey hai Kai tareke ke video banaty hai. Lekin appne Bahoot Bahoot achey tarikey se Tex ke bare may samjhaya ye sabse Jada mahetwapun hai. Humme Bahoot pasand aaya. Bahoot dhanyavad. Jai hind Jai Bharat.

[@InvesTechGurukul]

Bahut bahut dhanyavaad

[@utkarshmishra4355]

इस बार दिल से Thank You सरजी ..LIKED 👍👍..subcribe तो पहले से ही कर रखा हैं

[@payalupadhyay6765]

I've recently come into the world of SIPs and all. Though I had some idea already but sir your channel is doing a great job in providing knowledge and clearing all the doubts. You explain everything so lucidly. Your sessions are so informative and worth watching. Thankyou so much for spreading so valuable knowledge with all of us! 🌻

[@InvesTechGurukul]

Thank you..Thank you..Thank you Mam for taking out some time to appreciate our efforts. Regards Abhishek,Team IG

[@payalupadhyay6765]

@@InvesTechGurukul My pleasure! Kindly do make a video on how to Pay taxes! I mean the whole process. It would he very beneficial for all of us! 🌼

[@InvesTechGurukul]

Done mam you can pull the STCG/LTCG report like this --> kzbin.info/www/bejne/hnythpaYja59gKs File ITR and pay tax like this - kzbin.info/www/bejne/f36raKqjqrulmM0

[@latadey4623]

That is very clear presentation. Thanking him.

[@shekharmishra8363]

सर्, आपके इंफोर्मेटिव वीडियो की जितनी तारीफ की जाय कम है।बहुत बधाई ।एक वीडियो आप से अनुरोध है।रिटायरमेंट बेनिफिट के ऊपर आने वाले साल में जो टेक्स लगता है उस पर बनाएँ।इंतजार रहेगा।

[@InvesTechGurukul]

sure sir..

[@madhaobdeshmukh]

बढिया समझा दिया सर. बहुत आसान तरीकेसे बाते बताई है. धन्यवाद.

[@InvesTechGurukul]

धन्यवाद सर

[@sushantchhotray6095]

Sir, your video is very crisp and clear. I have a question, please explain. Suppose I have SIP of Rs.10000/- per month for 40 months and I accumulated 50000 units. After 40 months, i sold 15000 units. In this case how to calculate the buying price? Shall we take average of all units or first bought and sold first or last bought and first sold? So how to calculate loss/profit. This is required for actual ltcg/stcg calculation. Thank you Sir.

[@InvesTechGurukul]

AMC use to provide capital gain report fr ur investment..u need to follow that doc

[@pintusaha0163]

Like kar diya

[@mohptup]

Sir aapne bahut acche se samjhaya. Thanks

[@vinitad6463]

Really really helpful and well explained...और आप ने हर एक कंमेंट को answer भी किया है ...मतलब you care for each and every query

[@InvesTechGurukul]

Thank you mam for kind words

[@er.jangra4805]

Nice vedeo sir, I have 4 mutual fund from different AMC. LTCG will calculate individual or sum of all MF gains??...request you please explain 🙏

[@InvesTechGurukul]

Sum of all gains

[@SerendipityScribe23]

A very informative video. Much appreciated! I just have 1 question For the example of Equity fund SIPs: If I have been paying SIP every month for 15 months, can I partially redeem my MF (3 months)? If yes, then will the 3 months be taxed under Long term CG tax?

[@InvesTechGurukul]

u will get profit and loss statement from AMC and u need to pay STCG on profit

[@chinmoysahu1138]

First 3 month ka to 12 month complete ho jaega to fir a to LTCG hoga.

[@aruncm7168]

@@InvesTechGurukul will the AMC provide the exact stcg/ltcg to be paid by us? Or do they just give profit and loss details?

[@InvesTechGurukul]

they provide gain/loss statement you can pull the STCG/LTCG report like this --> kzbin.info/www/bejne/hnythpaYja59gKs Manually also u can calculate like this --> kzbin.info/www/bejne/gKm6p2huZb6Wfa8 File ITR and pay tax like this - kzbin.info/www/bejne/f36raKqjqrulmM0

[@souravbiswas7617]

The best explained video over this topic present in youtube. Very detailed and lucid. Superb work.👍👍👍👍👍👍

[@InvesTechGurukul]

Thanks a ton sir

[@sushantabhattacharjee8145]

Excellent video and lucidly explained. Thanks a lot Sir.

[@prateekbagrecha7012]

Would love get an overview for NRI investing and taxation on those.

[@InvesTechGurukul]

Sure will try sir

[@prateekbagrecha7012]

@@InvesTechGurukul thank you very much !

[@uditcsharma]

Thanks for the valuable information. Just 1 query, if I have an SIP for equity fund and I redeem after 1 year what would be tax implication with my salary? Is my salary included with MF income for tax computation or MF income LTCG is irrespective of regular salary income?

[@InvesTechGurukul]

Equity MF gain is diff from salary they dont gets added...

[@sumitluthra5075]

Absolutely fantastic explanation . Thank you so much

[@savi-1]

Love and respect for you brother for your efforts to make such videos

[@tgayush1424]

Sir i took an mutual fund, through sip for 3 years, the conditions they mentioned - after 1 year you are required to pay ltgc tax of 10% on returns of ruppes of 1 lakh+ for a financial year. But my question is if I took out money after the 3 years period get over, then I have to pay any tax Or not, if yes how ?

[@HaiderChoudhary-lt7dh]

Yes

[@nitinvyas1950]

Hmm ne ñ

[@saurabhseth9253]

Very nice & informative video...hats off to your hard work. Can I transfer my entire MF- Regular growth portfolio to MF- Direct growth. If yes then how to calculate LTCG?

[@InvesTechGurukul]

yes u can transfer, calculation will be same like switching

[@ARPITAWASTHI007]

Awesome sir Excellent sir❣️❣️❣️❣️ Sir aaj mjhe pahli baar complete knowledge hua ki kaise taxation system hota h Thank u sir

[@InvesTechGurukul]

thanks you for kind words sir.. dhanyavad 🙏🙏

[@Manoj-eu3sx]

👍👍👍 🙏🙏🙏❤️❤️❤️ brother, आप बहुत ही शानदार और सरल तरीके से बहुत अच्छे विषयों पर बेहद उपयोगी और ज्ञानवर्धकविडियोज बना रहे हैं

[@InvesTechGurukul]

धन्यवाद सर

[@bhavyatrivediofficial]

I have a doubt regarding LTCG tax in mutual funds. If I invested 1 lakh and after one year it becomes 2 lakhs. If i withdraw 90k, will it become taxable?. My actual question is, tax tabhi lagta hai jab hum withdraw krte hai?.. Ya without withdrawal bhi capital gain pr tax lagta hai?

[@InvesTechGurukul]

Right.. You can save tax by withdrawing profit of less than 1 lack in a financial year..aap 30th march ko 99k kar lijiye and 1 april ko 99k kar lijiye then aapko tax nahi dena padega.. But keep in mind that capital gain must be the addition of all gain in a financial year (alag alag mutual fund, stock market ka gain sab add hoga and wo 1 lac se kum hona chahiye, of holding is fort more than a year)

[@bhavyatrivediofficial]

@@InvesTechGurukul ok.. Thank you so much ❤️

[@shrikumar6268]

@@InvesTechGurukul sir aapne bataya tha ki 1 lakh profit tak ltcg per koi tax nhi lgta..to inka profit to 1 lakh ka hi hua hai 1 lakh to unka principal amount hai fir 1 sal ke bad pura 2 lakh 1 sath reedem krne per tax q lagega...plz reply..maine aapko subscribe kr diya h😊

[@InvesTechGurukul]

nahi sir nahi lagega

[@shrikumar6268]

@@InvesTechGurukul thanks

[@amarnathjha4072]

Many thanks Great knowledge given by you in a nice manner.

[@nileshss9123]

Bhai Aapki Request Pe hamne Like ur subscribe kar diye bas... Khush raho....Always Nice Education videos. Well done 4 Hard working..

[@InvesTechGurukul]

thnx sir

[@surendarsingh6528]

Sala itna tax hai tabhi to koi investment nhi karta Aur black money Badhava milta hai Goverment ko investment me flat 5% ka Tax lena chahiye jisase har person investment karega aur tax bhi bharega Aur black money bhi band ho jayegi

[@vps071]

very good, informative video as always! keep it up!

[@sunilkumarkesharwani6248]

Ist time taxation on mutual fund cleared by you. Very clear voice.

[@InvesTechGurukul]

thnx alot sir

[@AmitAgarwalCricket]

Apki mehnat ke barey me dil ki baat sun ke ankhoo me ansoo aa gaye 😥😭

[@TradingKinetics]

so nicely explained. thank you

[@praveshjt9456]

10 videos dekhne k bad ...Apki video best lagi. Thanks sir. ...

[@InvesTechGurukul]

welcome sir

[@MahendraKumar-ow2vj]

Nice information , sir मैनें आज first time ही आपका वीडियों देखा और चैनल को सब्सक्राइब कर लिया।

[@InvesTechGurukul]

Thank you Sir

[@giridhar3512]

Thank you for your efforts to share knowledge

[@sachin5715]

Vry helpful video..No such type of video has been covered till now..😊😊

[@InvesTechGurukul]

Thanks a lot sir 😊

[@avinash1562]

No other channel explained in such lucid way.

[@anilbisariya873]

Bahut acha samjaya ha Sir G...nice information ..

[@InvesTechGurukul]

Thank you sir

[@ankitkumar30]

Bahut he badiya video sir 🙏

[@proloymukherjee4052]

I heartily believe that your channel will surely gain a large number of viewers..thank you for great videos..

[@InvesTechGurukul]

So nice of you Sir

[@ashokgarg7017]

Very good video regarding taxation on Mutual Fund in all respect, nd all points are covered in this video, Thanks

[@InvesTechGurukul]

So nice of you

[@Sagarrrr3567]

Thankyou sir... Respect apko... Mera doubt tha tax ko le k sabse pahle apka video dikhaya... Mai apko subscribe krta.. Keep going on

[@InvesTechGurukul]

Thanks sir

[@sagargadkari151]

I was checking same video since 4 month, thank you very much, you provided lots of answers... channel Subscribed

[@mania80]

Aap badhiyaa samjha diya thank you aur sbs kr diya

[@InvesTechGurukul]

thank you sir

[@capunamgoenka4946]

Really very clear concept... thanku so much..

[@Hello-np3dp]

Sandar explain kiya h.... Subscribe ke 101% hakdar ho 🙏👍

[@InvesTechGurukul]

Thanks sir

[@debawnitachakraborty6666]

Thank you sir. Very informative video

[@JohnDoe-pe6iu]

Thanks for the great information in the video. One item that was not covered is whether Capital Gains tax on Mutual Funds is computed under the FIFO, LIFO or average cost method? How does the computation change if the portfolio that is being sold contains both short-term and long-term eligible Mutual Funds?

[@naveenkumarsharma2716]

Excellent presentation and very well described : Dr N K Sharma MD

[@InvesTechGurukul]

Thanks Alot Sir

[@manumathur1323]

Thanks. Useful video. You answered my many doubts.

[@InvesTechGurukul]

Glad it was helpful! welcome

[@chandrashekhargupta3000]

Thank you dear for such awesome presentation. God bless you

[@InvesTechGurukul]

Thanks Alot Sir

[@entertainmentchannel3542]

Sir maine toh aapke channel turat subscribe ker liya tha aapka video best hai.

[@amber7674]

This is really helpful and keep makijg such type of videos to educate others

[@rbsingh1807]

Very well done for such a wonderful video on capital gain

[@saurabhnashine3607]

Your videos are very informative and easy to understand. Thanks a lot for sharing valuation information

[@InvesTechGurukul]

So nice of you

[@ravindrabisen165]

It's simple and clean. Grt

[@brijeshsawant768]

VERY MUCH INFORMATIONAL VIDEO.

[@vashdevshivlani1009]

THANKS.I REALLY WANTED TO UNDERSTAND TAXATION VIEWS.I LOVE YOUR PRESENTATION.THANKS

[@InvesTechGurukul]

Thank you sir

[@kartik123007]

Very informative and clear understanding...

[@InvesTechGurukul]

Glad it was helpful!

[@yogeshghimeray3229]

It's such a knowledgeable vedio

[@shreekrishnaestates6428]

Well Explained. Thank you Guru👍🕉

[@InvesTechGurukul]

You're most welcome sir

[@hemlata2167]

Thank you so much for great information

[@GurpreetSingh-qu1hk]

Aap ka channel dil ko Soo gya🥰🥰

[@InvesTechGurukul]

thanks sir

[@ashishbehera2623]

Thank you boss for your valuable information Not only liked but also shared with friends 👍

[@InvesTechGurukul]

So nice of you Sir...Thanks Alot

[@tejjchahal3654]

Sir you are great,One of the burning question, you have solved

[@InvesTechGurukul]

Thanks and welcome

[@akhilkumar-ct8xi]

बहुत साफ सुथरे तरीके से बताया धन्यवाद

[@kishanlal3333]

Was looking for video long time. Very informative video

[@RajivRoad]

Subscribe kar liya all notification bhi on kar diya like bhi kar diya

[@402pepper]

Was waiting for this information on Tax. Thank you so much for explaining clearly

[@InvesTechGurukul]

Glad it was helpful!..Thanks

[@RitwikAnand]

Thanks fr ur BRILLIANT work...liked..subscribed already

[@InvesTechGurukul]

Thank you so much 😀

[@akashdey1687]

Very well explained........Thank you !!

[@InvesTechGurukul]

Welcome sir

[@umeshram8679]

Aapka video bahut achcha hai

[@yogeshmohta4453]

Thanks for the great information

[@bishalbhattacharjee8244]

Go ahead, best wishes from my side.May God bless you

[@InvesTechGurukul]

Thanks and welcome sir

[@cskishan09]

Usefull, thanks.

[@maritube123]

Crisp clear presentation 👌👌

[@InvesTechGurukul]

Thank you so much 👍

[@p.sashikiran6026]

Thank you for your informative video 💐👍

[@ashoknagaral669]

Good explanation sir 👌👌🙏

[@sumalsurendranath4727]

Superb video. Very informative. Thanks

[@InvesTechGurukul]

My pleasure sir..

[@ashokpasrija4428]

Very well explained. Please make a vedio to work out indexation in debt funds

[@nehush]

All video is Inforormative,

[@kishorechandrachoudhury6390]

👍Very well explained, helpful content. Keep it up.

[@InvesTechGurukul]

Thanks a ton

[@sachink2963]

thanks for the detailed info provided on tax on the mutual funds. please make a video on tax on the switch of a mutual fund from debt to equity of equity to debt funds.

[@InvesTechGurukul]

Sure sir

[@shaileshshah5877]

Very clear n thanks

[@InvesTechGurukul]

Thanks and welcome sir

[@molucutee]

Sir your explanation is too good

[@PramodKumar-ih2du]

First time watch and liked your channel with subscription

[@bonnysaha7117]

bohut help hua Sir. liked and subscribed 😍

[@oteechcheeto4055]

Good Clarity !! Can you make a video on SWP Taxation for retired couple with following parameters : 1) Retired couple : 61 yrs 2) Husband corpus : 75L + Wife Corpus : 50L 3) Income required : 50K per person per month with 10% increase every year 4) Inflation : 10% per annum 5) No additional income 6) No dependents 7) incremental income required till 85 years 8) Additional emergency corpus : 10 L

[@kiranjoshi7318]

Nice information Thank you sir

[@raiqzada8934]

Very well . Love you bro. We are always with you. I am your subscriber by now.

[@InvesTechGurukul]

Thank you so much 😀

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Very informative video..👍👍

[@riteshsharma3581]

Highly informative video bhai....keep.it up...I have done subscribe and like it ...

[@InvesTechGurukul]

Thanks and welcome

[@spratiyush]

Thank you, very valuable knowledge

[@InvesTechGurukul]

welcome

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Thanks for sharing the knowledge, I have subscribed brother

[@rajusurankar2852]

Very nice Explanation Sir. 👏👏👏👏