Mutual Fund Tax Calculator
Calculate LTCG and STCG tax on your mutual fund gains as per Finance Act 2024. Covers equity and debt funds with post-tax return estimates.
Fund Type
Held 12 months or more: Long-Term Capital Gains (LTCG) applies.
Total Capital Gains
₹2.50 L
Long-term
Tax Payable
₹15,625
Net Gains After Tax
₹2.34 L
Post-tax return 46.9%
How this tax is calculated
Of your ₹2,50,000 long-term gain, the first ₹1,25,000 is tax-free. Tax of 12.5% applies only to the remaining ₹1,25,000.
Tax rules as in effect from 23 July 2024 (Finance Act 2024), applicable for FY 2025-26. Equity STCG: 20%. Equity LTCG: 12.5% on gains above the Rs 1,25,000 annual exemption. Debt MF gains taxed at your income slab rate (post April 2023). The Rs 1,25,000 exemption is a per-financial-year limit across all your equity LTCG. Surcharge and cess are not included. Consult a tax adviser before filing.