Mutual Funds Calculator
Comprehensive tools to plan and analyze your mutual fund investments
Understanding Mutual Funds
Equity Funds
Invest primarily in stocks. Higher risk but potential for higher returns over the long term.
Debt Funds
Invest in fixed-income securities like bonds. Lower risk with more stable returns.
Hybrid Funds
Invest in both equity and debt instruments. Balanced risk and return profile.
Index Funds
Passively managed funds that track a market index. Lower expense ratios.
Systematic Investment Plan (SIP)
Invest a fixed amount regularly, regardless of market conditions. Benefits from rupee cost averaging.
Lump Sum Investment
Invest a large amount at once. Better when markets are expected to rise consistently.
Direct vs Regular Plans
Direct plans have lower expense ratios as they eliminate distributor commissions. Regular plans include distributor fees but provide advisory services.
Goal-based Investing
Align investments with specific financial goals like retirement, education, or home purchase.
Equity Funds
- Short-term capital gains (held for less than 1 year): 15% tax
- Long-term capital gains (held for more than 1 year): 10% tax on gains exceeding ₹1 lakh per financial year
- Dividends are taxable as per the investor's income tax slab
Debt Funds
- Short-term capital gains (held for less than 3 years): Taxed as per the investor's income tax slab
- Long-term capital gains (held for more than 3 years): 20% tax with indexation benefits
- Dividends are taxable as per the investor's income tax slab
Tax-Saving Strategies
- ELSS (Equity Linked Savings Scheme) funds qualify for tax deduction under Section 80C (up to ₹1.5 lakh)
- Hold investments for the long term to benefit from lower tax rates
- Consider tax-loss harvesting to offset capital gains
- Spread redemptions across financial years to utilize the ₹1 lakh exemption for equity funds each year
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