{"id":25623064,"date":"2025-09-02T11:55:10","date_gmt":"2025-09-02T06:25:10","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25623064"},"modified":"2026-05-11T17:44:59","modified_gmt":"2026-05-11T12:14:59","slug":"how-much-tax-should-you-pay-for-mutual-funds","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/","title":{"rendered":"How Much Tax Should You Pay for Mutual Funds?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a0a47a696c43\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a0a47a696c43\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Mutual_Funds_and_Indian_Tax_Law_The_Basics\" >Mutual Funds and Indian Tax Law: The Basics<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Equity_Mutual_Funds_Taxation_Rules\" >Equity Mutual Funds: Taxation Rules<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Non-Equity_Mutual_Funds_Taxation_Rules\" >Non-Equity Mutual Funds: Taxation Rules<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Hybrid_International_Gold_and_Fund_of_Funds\" >Hybrid, International, Gold, and Fund of Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Key_Taxation_Concepts_Explained\" >Key Taxation Concepts Explained<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#How_To_Calculate_Tax_on_Mutual_Fund_Gains\" >How To Calculate Tax on Mutual Fund Gains<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#TDS_Rules_for_NRIs\" >TDS Rules for NRIs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Tax_Filing_and_Compliance_Tips\" >Tax Filing and Compliance Tips<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Expert_Tips_on_Minimizing_Mutual_Fund_Tax\" >Expert Tips on Minimizing Mutual Fund Tax<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Equity_Mutual_Funds_Tax_Rules_for_FY_2026-27\" >Equity Mutual Funds: Tax Rules for FY 2026-27<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#SIP_Taxation_Each_Instalment_is_Treated_Separately\" >SIP Taxation: Each Instalment is Treated Separately<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Dividend_Taxation_and_the_FY_2026-27_Change\" >Dividend Taxation and the FY 2026-27 Change<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Tax-Saving_Strategies_that_Actually_Work\" >Tax-Saving Strategies that Actually Work<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#What_Budget_2026_Changed_And_What_Stayed_the_Same\" >What Budget 2026 Changed (And What Stayed the Same)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Depending on whether they hold for less than or more than 12 months, mutual fund investors in India pay 20% or 12.5% tax on capital gains.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This may sound simple, but the actual tax liability shifts based on holding period, fund type, dividend income and also on whether you invested before or after April 1.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Budget 2026 kept core tax rates unchanged for Financial Year 2026-27. But at the same time it introduced a significant tweak that leveraged investors cannot afford to miss.<\/span><\/p>\n<div class=\"alert alert-info\">\n<p><strong>Key Takeaways:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equity mutual funds attract 20% Short-Term Capital Gains (STCG) tax for holdings up to 12 months.\u00a0 Also 12.5% Long-Term Capital Gains (LTCG) tax beyond 12 months, with the first \u20b91.25 lakh in annual LTCG remaining tax-free.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt funds purchased after April 1, 2023 are taxed entirely at your income slab rate\u00a0 &#8211; there is no LTCG benefit or indexation, regardless of how long you hold them.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dividend income from mutual funds is added to your total income and taxed at your applicable slab rate. From FY 2026-27, you can no longer deduct interest paid on borrowed funds used to earn this income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hybrid funds follow equity taxation rules only if at least 65% of the portfolio is in domestic equities. Below that threshold, debt taxation applies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ELSS funds continue to qualify for a deduction of up to \u20b91.5 lakh under Section 80C &#8211; but only under the old tax regime.<\/span><\/li>\n<\/ul>\n<\/div>\n<h2 id=\"mutual-funds-and-indian-tax-law-the-basics\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Mutual_Funds_and_Indian_Tax_Law_The_Basics\"><\/span><strong>Mutual Funds and Indian Tax Law: The Basics<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-25623081 aligncenter\" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/844.webp\" alt=\"Mutual Funds\" width=\"435\" height=\"240\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/844.webp 1000w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/844-300x166.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/844-768x424.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/844-150x83.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/844-750x414.webp 750w\" sizes=\"auto, (max-width: 435px) 100vw, 435px\" \/><\/p>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Mutual funds<\/strong>\u00a0in India are subject to capital gains tax and, in some cases, dividend tax.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Tax rules differ based on the type of fund:\u00a0<strong>equity, debt, hybrid<\/strong>, or others (gold, international, and fund-of-funds).<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">The\u00a0<strong>holding period<\/strong>, how long the units are held, determines whether the gains are <strong>short-term<\/strong>\u00a0or\u00a0<strong>long-term<\/strong>.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">As of April 1, 2025, the Indian government has revised several definitions and taxation brackets for various fund categories.<\/p>\n<\/li>\n<\/ul>\n<h2 id=\"equity-mutual-funds-taxation-rules\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Equity_Mutual_Funds_Taxation_Rules\"><\/span><strong>Equity Mutual Funds: Taxation Rules<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Definition<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Equity mutual funds<\/strong>\u00a0are schemes that invest at least 65% of their corpus in equity shares of domestic companies.<\/p>\n<\/li>\n<\/ul>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Tax Treatment<\/strong><\/h3>\n<div class=\"group relative\">\n<div class=\"w-full overflow-x-auto md:max-w-[90vw] border-subtlest ring-subtlest divide-subtlest bg-transparent\">\n<table class=\"border-subtler my-[1em] w-full table-auto border-separate border-spacing-0 border-l border-t\">\n<thead class=\"bg-offset\">\n<tr>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Period Held<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Type of Gain<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Tax Rate<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Exemption\/Threshold<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Notes<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">12 months or less<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Short-Term Capital Gain (STCG)<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">15%<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">None<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Surcharge and cess extra<\/td>\n<\/tr>\n<tr>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">More than 12 months<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Long-Term Capital Gain (LTCG)<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">12.5% on gains above \u20b91.25 lakh<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">First \u20b91.25 lakh tax-free<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Indexation benefit unavailable<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Example<\/strong><\/h3>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">If total LTCG in a financial year equals \u20b91.45 lakh, only \u20b920,000 is taxable at 12.5%; \u20b91.25 lakh remains exempt.<\/p>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Dividend Tax<\/strong><\/h3>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">All mutual fund dividends are taxed in the hands of investors as per the applicable income tax slab.<\/p>\n<p style=\"text-align: center;\"><strong><a class=\"in-cell-link\" href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\">Start investing like a pro. Enroll in our Stock Market course!<\/a><\/strong><\/p>\n<h2 id=\"debt-mutual-funds-taxation-rules\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Non-Equity_Mutual_Funds_Taxation_Rules\"><\/span><strong>Non-Equity Mutual Funds: Taxation Rules<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Definition<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Debt mutual funds<\/strong> are those where more than 65% of the portfolio is invested in debt instruments, such as government securities or corporate bonds.<\/p>\n<\/li>\n<\/ul>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Latest Update (Effective April 1, 2025)<\/strong><\/h3>\n<div class=\"group relative\">\n<div class=\"w-full overflow-x-auto md:max-w-[90vw] border-subtlest ring-subtlest divide-subtlest bg-transparent\">\n<table class=\"border-subtler my-[1em] w-full table-auto border-separate border-spacing-0 border-l border-t\">\n<thead class=\"bg-offset\">\n<tr>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Period Held<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Type of Gain<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Tax Rate<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Notes<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Up to 2 years<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Short-Term Capital Gain (STCG)<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">As per the investor\u2019s income tax slab<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">No indexation benefit<\/td>\n<\/tr>\n<tr>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">More than 2 years<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Long-Term Capital Gain (LTCG)<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">12.5%<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">No indexation benefit; earlier LTCG was taxed at 20% with indexation pre-2023<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Older Investments<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">If the investment is made <strong>before April 1, 2023<\/strong>, LTCG is taxed at 20% with indexation if held for over 3 years.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Investments between April 1, 2023, and March 31, 2025, are taxed as per slab rate, regardless of holding period.<\/p>\n<\/li>\n<\/ul>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Dividend Tax<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Dividends are taxed as per the individual&#8217;s income tax slab.<\/p>\n<\/li>\n<\/ul>\n<table width=\"468\">\n<tbody>\n<tr>\n<td colspan=\"2\"><strong>Gain Financial Literacy in your Mother Tongue<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/course\/stock-market-course-in-malayalam\/\">Stock Market Course in Malayalam<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/course\/mutual-funds-course-in-kerala\/\">Mutual Funds Course in Malayalam<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/course\/stock-market-course-in-tamil\/\">Stock Market Course in Tamil<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/course\/mutual-funds-course-in-tamil\/\">Mutual Funds Course in Tamil<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\">Stock Market Course<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/course\/mutual-funds-course\/\">Mutual Funds Course<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"hybrid-international-gold-and-fund-of-funds\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Hybrid_International_Gold_and_Fund_of_Funds\"><\/span><strong>Hybrid, International, Gold, and Fund of Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"group relative\">\n<div class=\"w-full overflow-x-auto md:max-w-[90vw] border-subtlest ring-subtlest divide-subtlest bg-transparent\">\n<table class=\"border-subtler my-[1em] w-full table-auto border-separate border-spacing-0 border-l border-t\">\n<thead class=\"bg-offset\">\n<tr>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Fund Type<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">STCG (Holding Period)<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">STCG Tax Rate<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">LTCG (Holding Period)<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">LTCG Tax Rate<\/th>\n<th class=\"border-subtler p-sm break-normal border-b border-r text-left align-top\">Threshold\/Notes<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Equity-Oriented Hybrid<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">\u226412 months<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">15%<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">&gt;12 months<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">12.5% (\u20b91.25L exempt)<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">\u226565% in equity<\/td>\n<\/tr>\n<tr>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Debt-Oriented Hybrid<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">\u22642 years<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">As per the slab<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">&gt;2 years<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">12.5%<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">&lt;65% in equity<\/td>\n<\/tr>\n<tr>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">Gold, International, FoF<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">\u22642 years<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">As per the slab<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">&gt;2 years<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">12.5%<\/td>\n<td class=\"px-sm border-subtler min-w-[48px] break-normal border-b border-r\">No indexation benefit post-2025<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">International and gold funds, as well as fund-of-funds, follow the new debt fund taxation structure from April 1, 2025.<\/p>\n<\/li>\n<\/ul>\n<div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/mutual-fund_updated.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/mutual-fund_updated.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\">\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download mUTUAL FUND course syllabus<\/button><\/p>\n<\/a><\/div>\n<h2 id=\"key-taxation-concepts-explained\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Key_Taxation_Concepts_Explained\"><\/span><strong>Key Taxation Concepts Explained<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>What Are Capital Gains?<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Capital Gains<\/strong>\u00a0are profits realized from selling mutual fund units. Tax treatment depends on type and holding period.<\/p>\n<\/li>\n<\/ul>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Short-Term vs. Long-Term: How Is &#8220;Period Held&#8221; Calculated?<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Equity funds:<\/strong>\u00a0Less than or equal to 12 months: STCG; More than 12 months: LTCG.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Debt funds, international, gold, FoFs:<\/strong>\u00a0Less than or equal to 2 years: STCG; More than two years: LTCG.<\/p>\n<\/li>\n<\/ul>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Indexation<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Indexation<\/strong>\u00a0allows investors to adjust the purchase price by inflation, reducing taxable gains.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Indexation benefit is NO LONGER AVAILABLE for new investments in debt funds, international, gold, and FoFs post April 1, 2025.<\/p>\n<\/li>\n<\/ul>\n<h2 id=\"how-to-calculate-tax-on-mutual-fund-gains\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"How_To_Calculate_Tax_on_Mutual_Fund_Gains\"><\/span><strong>How To Calculate Tax on Mutual Fund Gains<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-25623082 aligncenter\" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/2151953982.webp\" alt=\"Key Taxation Concepts\" width=\"484\" height=\"255\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/2151953982.webp 1000w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/2151953982-300x158.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/2151953982-768x404.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/2151953982-150x79.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/2151953982-750x395.webp 750w\" sizes=\"auto, (max-width: 484px) 100vw, 484px\" \/><\/p>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>For Equity Mutual Funds:<\/strong><\/h3>\n<ol class=\"marker:text-quiet list-decimal\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Calculate net gain = Redemption value &#8211; (Purchase value + charges)<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Identify holding period.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Apply STCG or LTCG rule:<\/p>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">STCG: Tax at 15%<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">LTCG: Up to \u20b91.25 lakh tax-free; 12.5% on excess.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Debt Mutual Funds:<\/strong><\/h3>\n<ol class=\"marker:text-quiet list-decimal\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Determine holding period.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">If \u22642 years: Add gain to total income, taxed by slab.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">If &gt;2 years (for investments post-April 1, 2025): 12.5% tax, no indexation benefit.<\/p>\n<\/li>\n<\/ol>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>SIPs (Systematic Investment Plans):<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Each SIP installment is treated as a separate investment for determining the holding period and tax applicability.<\/p>\n<\/li>\n<\/ul>\n<h3 id=\"dividend-taxation\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><strong>Dividend Taxation<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Post-April 2020, dividends are added to investors\u2019 income and taxed as per their income tax slab (no Dividend Distribution Tax at the fund level).<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">TDS (Tax Deducted at Source) at 10% applies if the dividend payout exceeds \u20b95,000 in a financial year for resident individuals.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"5917\" data-end=\"5959\"><strong data-start=\"5920\" data-end=\"5959\">Securities Transaction Tax (STT)<\/strong><\/h3>\n<p data-start=\"5961\" data-end=\"6044\">STT is applicable to <strong data-start=\"5982\" data-end=\"6021\">transactions of equity mutual funds<\/strong> on the stock exchange.<\/p>\n<ul data-start=\"6046\" data-end=\"6146\">\n<li data-start=\"6046\" data-end=\"6146\">\n<p data-start=\"6048\" data-end=\"6146\"><strong data-start=\"6048\" data-end=\"6060\">Tax Rate<\/strong>: <strong data-start=\"6062\" data-end=\"6070\">0.1%<\/strong> on both <strong data-start=\"6079\" data-end=\"6089\">buying<\/strong> and <strong data-start=\"6094\" data-end=\"6105\">selling<\/strong> equity mutual funds through an exchange.<\/p>\n<\/li>\n<\/ul>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"_tableWrapper_1rjym_13 group flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"6148\" data-end=\"6497\">\n<thead data-start=\"6148\" data-end=\"6234\">\n<tr data-start=\"6148\" data-end=\"6234\">\n<th data-start=\"6148\" data-end=\"6179\" data-col-size=\"sm\"><strong data-start=\"6150\" data-end=\"6166\">Type of Fund<\/strong><\/th>\n<th data-start=\"6179\" data-end=\"6207\" data-col-size=\"sm\"><strong data-start=\"6181\" data-end=\"6204\">Tax on Transactions<\/strong><\/th>\n<th data-start=\"6207\" data-end=\"6234\" data-col-size=\"sm\"><strong data-start=\"6209\" data-end=\"6221\">STT Rate<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"6322\" data-end=\"6497\">\n<tr data-start=\"6322\" data-end=\"6409\">\n<td data-start=\"6322\" data-end=\"6354\" data-col-size=\"sm\"><strong data-start=\"6324\" data-end=\"6347\">Equity Mutual Funds<\/strong><\/td>\n<td data-start=\"6354\" data-end=\"6382\" data-col-size=\"sm\">On buying\/selling units<\/td>\n<td data-start=\"6382\" data-end=\"6409\" data-col-size=\"sm\"><strong data-start=\"6384\" data-end=\"6392\">0.1%<\/strong><\/td>\n<\/tr>\n<tr data-start=\"6410\" data-end=\"6497\">\n<td data-start=\"6410\" data-end=\"6442\" data-col-size=\"sm\"><strong data-start=\"6412\" data-end=\"6433\">Debt Mutual Funds<\/strong><\/td>\n<td data-start=\"6442\" data-end=\"6470\" data-col-size=\"sm\">Not applicable<\/td>\n<td data-start=\"6470\" data-end=\"6497\" data-col-size=\"sm\">N\/A<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2 id=\"tds-rules-for-nris\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"TDS_Rules_for_NRIs\"><\/span><strong>TDS Rules for NRIs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">For NRIs, TDS is deducted at 20% for equity-oriented and 30% for non-equity schemes, including cess and surcharge, on capital gains and dividend payouts.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">A rebate or refund can be claimed at the time of filing returns if the actual tax liability is lower.<\/p>\n<\/li>\n<\/ul>\n<h2 id=\"tax-filing-and-compliance-tips\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Tax_Filing_and_Compliance_Tips\"><\/span><strong>Tax Filing and Compliance Tips<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>How to Report Mutual Fund Gains in ITR<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">All capital gains, short or long term, must be disclosed in the appropriate schedules of your ITR (ITR-2\/3 for individuals with capital gains).<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Fund houses usually provide <strong>capital gain statements<\/strong>\u00a0that help in reporting the correct figures.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">One must also report dividend income separately under the head \u2018Income from Other Sources\u2019.<\/p>\n<\/li>\n<\/ul>\n<h3 class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0\"><strong>Important Considerations<\/strong><\/h3>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">For investments held jointly, tax liability belongs to the\u00a0<strong>first holder<\/strong>\u00a0as per PAN details.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Losses from mutual funds, short-term or long-term, can be set off against gains of the same nature and carried forward up to 8 years.<\/p>\n<\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<th colspan=\"2\">Related Articles<\/th>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/understanding-short-term-capital-gain-tax\/\" target=\"_blank\" rel=\"noopener noreferrer\">Understanding Short Term Capital Gain Tax<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/long-term-capital-gain-tax-on-shares\/\" target=\"_blank\" rel=\"noopener noreferrer\">Long Term Capital Gain Tax on Shares<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/can-investing-in-stocks-help-you-save-taxes\/\" target=\"_blank\" rel=\"noopener noreferrer\">Can Investing in Stocks Help You Save Taxes in India? (Complete Guide)<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/insurance-tax-saving-india-guide\/\" target=\"_blank\" rel=\"noopener noreferrer\">Can Investing in Insurance Help You Save Taxes in India?<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/\" target=\"_blank\" rel=\"noopener noreferrer\">Can Investing in Mutual Fund Help You Save Taxes in India? (Complete Guide)<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/how-to-file-income-tax-return-on-your-own\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to File Income Tax Return (ITR) on Your Own<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/gst-on-share-trading\/\" target=\"_blank\" rel=\"noopener noreferrer\">GST on Share Trading<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/what-to-do-if-i-get-income-tax-notice\/\" target=\"_blank\" rel=\"noopener noreferrer\">What to do if I get income tax notice?<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/reasons-for-income-tax-notice\/\" target=\"_blank\" rel=\"noopener noreferrer\">Reasons for income tax notice<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/how-to-avoid-income-tax-notice\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to avoid income tax notice<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"expert-tips-on-minimizing-mutual-fund-tax\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Expert_Tips_on_Minimizing_Mutual_Fund_Tax\"><\/span><strong>Expert Tips on Minimizing Mutual Fund Tax<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-25623087 aligncenter\" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/Expert-Tips-on-Minimizing-Mutual-Fund-Tax-visual-selection.webp\" alt=\"Expert Tips on Minimizing Mutual Fund Tax\" width=\"457\" height=\"314\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/Expert-Tips-on-Minimizing-Mutual-Fund-Tax-visual-selection.webp 654w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/Expert-Tips-on-Minimizing-Mutual-Fund-Tax-visual-selection-300x206.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/09\/Expert-Tips-on-Minimizing-Mutual-Fund-Tax-visual-selection-150x103.webp 150w\" sizes=\"auto, (max-width: 457px) 100vw, 457px\" \/><\/p>\n<ul class=\"marker:text-quiet list-disc\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Leverage LTCG Threshold:<\/strong>\u00a0Optimize redemptions to keep annual long-term capital gains under \u20b91.25 lakh for equity funds.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Utilize Loss Harvesting:<\/strong>\u00a0Book losses where suitable to offset gains in the same financial year.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Invest Systematically:<\/strong>\u00a0SIPs provide flexibility to manage holding periods, optimizing between STCG and LTCG.<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 [&amp;&gt;p]:pt-0 [&amp;&gt;p]:mb-2 [&amp;&gt;p]:my-0\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Tax Harvesting:<\/strong> Time redemptions and new investments to maximize tax exemption limits and minimize slab-based liability.<\/p>\n<\/li>\n<li><strong>Invest for the Long Term:<\/strong> Holding equity mutual fund units for more than 1 year allows you to benefit from LTCG tax at 10% (above \u20b91 lakh), which is more favorable than STCG tax at 15%.<\/li>\n<li><strong>Invest in Tax-Saving ELSS Funds:<\/strong> Equity Linked Savings Schemes (ELSS) are eligible for deductions under Section 80C of the Income Tax Act, offering a tax-saving option up to \u20b91.5 lakh annually.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Equity_Mutual_Funds_Tax_Rules_for_FY_2026-27\"><\/span><b>Equity Mutual Funds: Tax Rules for FY 2026-27<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Equity mutual funds are those that invest at least 65% of their corpus in domestic equities. These funds enjoy relatively favourable tax treatment when compared to other debt-oriented options.<\/span><\/p>\n<h3><b>Short-Term Capital Gains (STCG):<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you sell your equity fund units within 12 months of purchase, your gains are treated as short-term. It will be taxed at a flat rate of 20%, regardless of your income bracket.<\/span><\/p>\n<h3><b>Long-Term Capital Gains (LTCG):<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Hold for more than 12 months, and only gains exceeding \u20b91.25 lakh in a financial year are taxable at 12.5%. Gains within that \u20b91.25 lakh annual threshold remain completely tax-free. This exemption is cumulative across all equity-related investments, not per fund.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Holding Period<\/b><\/td>\n<td><b>Gain Classification<\/b><\/td>\n<td><b>Tax Rate<\/b><\/td>\n<td><b>Exemption<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Up to 12 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Short-Term Capital Gain<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">More than 12 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Long-Term Capital Gain<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12.5%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91.25 lakh per year<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><b>A quick example:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">You invested \u20b92 lakh in an equity mutual fund and redeemed after 14 months for \u20b93.25 lakh. Your total gain is \u20b91.25 lakh. Since this falls within the annual LTCG exemption, your tax liability is zero. If your gain were \u20b91.75 lakh instead, only \u20b950,000 would be taxable \u2014 translating to \u20b96,250 in tax at 12.5%.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"SIP_Taxation_Each_Instalment_is_Treated_Separately\"><\/span><b>SIP Taxation: Each Instalment is Treated Separately<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A Systematic Investment Plan (SIP) does not work as a lump-sum purchase for tax purposes. Each SIP instalment is treated as a separate investment with its own purchase date. The FIFO (First In, First Out) method is applied during redemption.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This means if you start a monthly SIP in January 2024 and redeem all units in February 2025:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The January 2024 instalment has been held for 13 months. It qualifies as LTCG (if equity).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The February 2025 instalment has been held for only 1 month. It qualifies as STCG.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Investors who redeem SIP portfolios without factoring in per-instalment holding periods often find themselves with unexpected STCG liability on recent installments.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dividend_Taxation_and_the_FY_2026-27_Change\"><\/span><b>Dividend Taxation and the FY 2026-27 Change<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dividends declared by mutual funds are credited to your bank account and taxed as income from other sources at your slab rate and not at a flat capital gains rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">TDS is deducted at 10% if your total dividend income from a fund house exceeds \u20b95,000 in a financial year (for resident investors). You can claim credit for this TDS when filing your ITR.<\/span><\/p>\n<h4><b>The FY 2026-27 change:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Starting April 1, 2026, investors who borrow money and use it to invest in mutual funds can no longer deduct the interest cost against dividend income.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Previously, such a deduction was permitted. This primarily impacts leveraged investors and high-net-worth individuals who used borrowed capital to earn dividend income.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tax-Saving_Strategies_that_Actually_Work\"><\/span><b>Tax-Saving Strategies that Actually Work<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You do not have to resign yourself to paying maximum taxes on mutual fund gains. A few smart moves can meaningfully reduce your liability.<\/span><\/p>\n<h3><b>Hold equity funds long-term<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Staying invested beyond 12 months automatically shifts you from 20% STCG to 12.5% LTCG. Combined with the \u20b91.25 lakh annual exemption, patient investors can often bring their effective tax rate close to zero on moderate gains.<\/span><\/p>\n<h3><b>Tax-loss harvesting<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If some funds in your portfolio are in the red, consider redeeming them before the financial year ends. The booked losses can offset gains from other funds. Short-term losses can offset both STCG and LTCG; long-term losses can only offset LTCG. Carry-forward is allowed for up to 8 years.<\/span><\/p>\n<h3><b>Stagger redemptions to stay within the LTCG exemption<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If your equity fund gains are approaching \u20b91.25 lakh, consider redeeming part of the portfolio this financial year and the rest in the next. Each financial year gets its own \u20b91.25 lakh exemption.<\/span><\/p>\n<h3><b>Use ELSS for Section 80C benefits<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Equity Linked Savings Schemes (ELSS) offer a deduction of up to \u20b91.5 lakh under Section 80C if you are in the old tax regime. They have a mandatory 3-year lock-in period, but they are also the most tax-efficient equity fund category from an entry standpoint.<\/span><\/p>\n<h3><b>File correctly<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Capital gains from mutual funds must be reported in ITR-2 (for individuals without business income) or ITR-3. Use your Consolidated Account Statement (CAS) or individual fund statements to calculate gains accurately. For joint holdings, the first holder is responsible for paying tax on all gains.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Budget_2026_Changed_And_What_Stayed_the_Same\"><\/span><b>What Budget 2026 Changed (And What Stayed the Same)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Budget 2026 was largely a status-quo year for mutual fund investors. Here is a quick summary of what changed and what did not:<\/span><\/p>\n<h4><b>Unchanged:<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equity STCG rate: 20%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equity LTCG rate: 12.5%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annual LTCG exemption: \u20b91.25 lakh<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt fund slab-rate taxation (for post-April 2023 purchases)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">STT on equity mutual fund transactions: 0.1%<\/span><\/li>\n<\/ul>\n<h4><b>New from FY 2026-27:<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest paid on borrowed funds used to invest in mutual funds can no longer be deducted against dividend or mutual fund income. This rule came into effect on April 1, 2026.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The STT hike in Budget 2026 applied only to derivative instruments \u2014 equity mutual funds were not affected.<\/span><\/p>\n<div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/mutual-fund_updated.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/mutual-fund_updated.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\">\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download mUTUAL FUND course syllabus<\/button><\/p>\n<\/a><\/div>\n<h2 id=\"conclusion\" class=\"mb-2 mt-4 font-display font-semimedium text-base first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mutual fund taxation in India is not one-size-fits-all. It hinges on what type of fund you hold, how long you have held it, and when you made the investment. For equity fund investors, the rules remain investor-friendly. A 12.5% long-term tax rate with a generous \u20b91.25 lakh annual exemption rewards patience.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Debt fund investors who bought units after April 2023, face slab-rate taxation across the board. This makes the holding period essentially irrelevant from a tax standpoint.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When in doubt, consult a qualified tax advisor, especially for large redemptions, NRI-specific scenarios, or SIP portfolios spanning multiple years. Taxes are a cost of investing, but an informed investor always pays less than a careless one.<\/span><\/p>\n<div class=\"alert alert-warning\"><strong>Disclaimer:<\/strong>\u00a0The information provided in this article is for general informational purposes only and is not intended as investment advice, financial guidance, or an offer or solicitation to buy or sell any securities. Readers should conduct their own research or consult a qualified financial advisor before making any investment decisions. The author(s) and the publisher disclaim any liability for any loss or damage arising directly or indirectly from the use of or reliance on the information provided herein.<\/div>\n<div><div class=\"modal\" id=\"modal25556854\"><div class=\"modal-content\"><span class=\"close-button\">&times;<\/span>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f25556854-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"25556854\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/25623064#wpcf7-f25556854-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"25556854\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.4\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f25556854-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7cf_hidden_group_fields\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_hidden_groups\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_visible_groups\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_repeaters\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_steps\" value=\"{}\" \/><input type=\"hidden\" name=\"_wpcf7cf_options\" value=\"{&quot;form_id&quot;:25556854,&quot;conditions&quot;:[{&quot;then_field&quot;:&quot;group-coding&quot;,&quot;and_rules&quot;:[{&quot;if_field&quot;:&quot;course&quot;,&quot;operator&quot;:&quot;equals&quot;,&quot;if_value&quot;:&quot;Coding&quot;}]},{&quot;then_field&quot;:&quot;group-accounting&quot;,&quot;and_rules&quot;:[{&quot;if_field&quot;:&quot;course&quot;,&quot;operator&quot;:&quot;equals&quot;,&quot;if_value&quot;:&quot;Commerce&quot;}]}],&quot;settings&quot;:{&quot;animation&quot;:&quot;yes&quot;,&quot;animation_intime&quot;:200,&quot;animation_outtime&quot;:200,&quot;conditions_ui&quot;:&quot;normal&quot;,&quot;notice_dismissed&quot;:false,&quot;notice_dismissed_update-cf7-5.9.8&quot;:true,&quot;notice_dismissed_update-cf7-6.1.1&quot;:true}}\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"full_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"full_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email_id\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"email_id\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"language\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"language\"><option value=\"\">Language<\/option><option value=\"Malayalam\">Malayalam<\/option><option value=\"Tamil\">Tamil<\/option><option value=\"Telugu\">Telugu<\/option><option value=\"Kannada\">Kannada<\/option><option value=\"Hindi\">Hindi<\/option><\/select><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"course\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required course-field-select\" aria-required=\"true\" aria-invalid=\"false\" name=\"course\"><option value=\"\">Upskill in<\/option><option value=\"Stock Market Course\">Stock Market Course<\/option><option value=\"Mutual Funds\">Mutual Funds<\/option><option value=\"Forex Trading\">Forex Trading<\/option><option value=\"Coding\">Coding<\/option><option value=\"Commerce\">Commerce<\/option><option value=\"Spoken English\">Spoken English<\/option><option value=\"German Language\">German Language<\/option><option value=\"Montessori Teacher Training\">Montessori Teacher Training<\/option><option value=\"IELTS\">IELTS<\/option><option value=\"OET\">OET<\/option><option value=\"MEP\">MEP<\/option><option value=\"Robotics &amp; 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margin-bottom: -15px;\"> <div id=\"cf-turnstile-cf7-2089478357\" class=\"cf-turnstile\" data-sitekey=\"0x4AAAAAABVigxtkiZeGTu5L\" data-theme=\"light\" data-language=\"auto\" data-size=\"normal\" data-retry=\"auto\" data-retry-interval=\"1000\" data-action=\"contact-form-7\" data-appearance=\"always\"><\/div> <script>document.addEventListener(\"DOMContentLoaded\", function() { setTimeout(function(){ var e=document.getElementById(\"cf-turnstile-cf7-2089478357\"); e&&!e.innerHTML.trim()&&(turnstile.remove(\"#cf-turnstile-cf7-2089478357\"), turnstile.render(\"#cf-turnstile-cf7-2089478357\", {sitekey:\"0x4AAAAAABVigxtkiZeGTu5L\"})); }, 0); });<\/script> <br class=\"cf-turnstile-br cf-turnstile-br-cf7-2089478357\"> <style>#cf-turnstile-cf7-2089478357 { margin-left: -15px; }<\/style> <script>document.addEventListener(\"DOMContentLoaded\",function(){document.querySelectorAll('.wpcf7-form').forEach(function(e){e.addEventListener('submit',function(){if(document.getElementById('cf-turnstile-cf7-2089478357')){setTimeout(function(){turnstile.reset('#cf-turnstile-cf7-2089478357');},1000)}})})});<\/script> <\/div><br\/><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Depending on whether they hold for less than or more than 12 months, mutual fund investors in India pay 20% or 12.5% tax on capital gains. This may sound simple, but the actual tax liability shifts based on holding period, fund type, dividend income and also on whether you invested before or after April 1.\u00a0 [&hellip;]<\/p>\n","protected":false},"author":69,"featured_media":25623089,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1867],"tags":[2277],"class_list":["post-25623064","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-stock-marketing","tag-tax-on-mutual-funds"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Tax Should You Pay for Mutual Funds? - Entri Blog<\/title>\n<meta name=\"description\" content=\"Learn everything about the tax implications of mutual funds in India, including short-term and long-term capital gains, dividend taxation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Tax Should You Pay for Mutual Funds? 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