ANALYSIS
Mutual fund LTCG calculator
Capital gains tax on redemption · Current equity LTCG/STCG rates · Debt-fund slab taxation
Rates used (FY 2026-27)
Equity-oriented funds: units held over 12 months are long-term, taxed at 12.5% on gains above a ₹1.25 lakh exemption for the year (shared across all your equity LTCG, not per-fund); units held 12 months or less are short-term, taxed at a flat 20%. Both add a 4% cess. Debt and other non-equity funds (units bought on or after 1 April 2023) have no LTCG rate at all - the full gain is taxed at your income slab rate, whatever the holding period.
Estimate only, not a filing figure · Not tax or investment advice · Rates per Section 111A/112A, FY 2026-27
Frequently asked questions
What is the LTCG tax rate on equity mutual funds in India?
For units held more than 12 months, equity-oriented mutual fund gains are taxed at 12.5% (Section 112A), with no indexation benefit. The first ₹1.25 lakh of equity LTCG in a financial year is exempt - but that exemption is shared across all your equity LTCG for the year, not given separately per fund. Units sold within 12 months are short-term gains, taxed at a flat 20% (Section 111A). Both rates are as of FY 2026-27 (unchanged in Budget 2026) and both attract a 4% health and education cess on top.
How is LTCG taxed on debt mutual funds?
Units of debt and other non-equity-oriented funds purchased on or after 1 April 2023 have no separate LTCG rate at all - the entire gain, regardless of holding period, is added to your income and taxed at your normal income-tax slab rate. Units bought before that date may still carry the older indexed-LTCG rules depending on your specific holding - this calculator does not cover that grandfathered case; check with a CA if it applies to you.
Does this calculator file my taxes or report to the Income Tax Department?
No - it only estimates the tax on the numbers you enter, using the current published rates. It does not store, submit, or report anything. Your actual liability depends on your complete capital-gains picture for the year (gains and losses across all funds and stocks, exemption already used elsewhere, set-offs), so use this as a planning estimate, not a filing figure.