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Mutual Funds Taxation | STCG & LTCG Income Tax on Mutual Funds Examples [Hindi]

Mutual Funds Taxation | STCG & LTCG Income Tax on Mutual Funds Examples [Hindi] In this video by FinCalC TV we will see mutual funds taxation and how to calculate income tax on mutual funds with the help of short term capital gains and long term capital gains tax rates with examples. STCG and LTCG tax rates are simple in mutual funds and you only have to pay tax on profits you make in short term or long term. Online SIP Calculator: https://fincalc-blog.in/mutual-fund-s... Income Tax on Rs. 2000 SIP Video:    • Income Tax on ₹2000 SIP Returns | Mut...   Rs. 2000 SIP Returns Calculation for 15 Years:    • ₹2000 SIP Returns in Sensex for 15 Ye...   JOIN Telegram Group: https://t.me/fincalc_tv_channel CHAPTERS: 00:00 Income Tax on Mutual Funds Intro 01:33 What is Equity Mutual Fund? 01:53 STCG Tax Rate in Equity Fund 02:07 LTCG Tax Rate in Equity Fund 03:21 What is Debt Mutual Fund? 03:36 STCG Tax Rate in Debt Fund 04:00 LTCG Tax Rate in Debt Fund 04:28 STCG and LTCG Tax Rates in other Mutual Funds 05:30 Equity Mutual Fund STCG Taxation Example 07:30 Equity Mutual Fund LTCG Taxation Example 10:31 Debt Mutual Fund STCG Taxation Example 11:32 Debt Mutual Fund LTCG Taxation Example 12:59 Income Tax on Other Mutual Funds 15:05 Cost Inflation Index Calculator on FinCalC Blog 20:03 Conclusion 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. FACTORS AFFECTING TAX ON EQUITY MUTUAL FUNDS There are multiple factors that affect the Tax Calculation on equity mutual funds listed below: Fund Type: Taxation also depends on the fund type you are investing in. For equity mutual funds in which at least 65% of total assets is allocated to equities or stocks, STCG tax is flat 15% where as LTCG tax is 10% on profits above Rs. 1 Lakh in a financial year. Capital Gains: As mentioned above, capital gains are of two types: STCG (Short Term Capital Gains) – Holding period is less than 1 year LTCG (Long Term Capital Gains) – Holding period is more than 1 year Longer the time period you hold the mutual funds, lower tax will be paid by you. #MutualFundsTaxation #IncomeTax #MutualFunds #FinCalCTV ============================ LIKE | SHARE | COMMENT | SUBSCRIBE Mujhe Social Media par FOLLOW kare: Facebook :   / fincalctv   Twitter :   / fincalctv   BLOG: https://fincalc-blog.in Telegram: https://t.me/fincalc_tv_channel Instagram:   / fincalc_tv   ============================ MORE VIDEOS: SIP Returns Calculation:    • SIP Returns Calculation Examples - ₹2...   Income Tax Calculator:    • Income Tax Calculation Examples betwe...   Loan EMI Calculator:    • Home Loan EMI Calculator Excel with P...   Loan EMI Prepayment Calculator:    • Home Loan EMI Prepayment | How to Sav...   ============================ DISCLAIMER: Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown.