Calculate returns on mutual fund investments — both SIP and lumpsum — using the annual return you enter (assumed net of the fund's expenses).
| Total Invested | — |
| Total Gains | — |
| Tax on Gains | — |
| Post-Tax Returns | — |
Returns are not guaranteed: the expected return you enter is only an assumption, and actual fund returns vary. LTCG = equity fund held over 12 months (first ₹1.25L of gains exempt); STCG = equity fund held up to 12 months. Tax is computed on gains only and excludes surcharge, 4% cess and any ELSS or lock-in rules. The ₹1.25 lakh LTCG exemption is applied once to this investment alone; it is a combined limit across all your equity gains in a year.
Q: What is LTCG tax on mutual funds?
A: For equity-oriented mutual funds sold on or after 23 July 2024, long-term gains (held over 12 months) above ₹1.25 lakh are taxed at 12.5% and short-term gains at 20% (Income Tax Department, capital gains page). Other fund types are taxed under different rules, so use the 30% option only as an example of a slab rate.
Q: What is expense ratio?
A: Expense ratio is the annual fee charged by the fund house for managing your money, shown as a percentage of the fund's assets. A fund's daily NAV is published after expenses are deducted (AMFI), so return figures based on NAV are already net of it and you should not deduct it again. If your expected return is a gross or benchmark figure, reduce it by the fund's expense ratio first. Compare the Direct and Regular plans of the same fund on the fund's factsheet.
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