A tax calculator to show the difference in effective tax rate and post tax returns, on investments done in multi asset allocation funds carrying debt taxation with Indexation benefit vs funds with equity taxation.
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Investment Horizon
Assumed Inflation
Investor Income Slab
Amount of Investment (Rs)
Expected Returns (CAGR %)
| Equity | Debt with Indexation | |
|---|---|---|
| Base Rate | ||
| Surcharge | ||
| Final tax rate including cess & surcharge |
| Equity | Debt with Indexation | |
|---|---|---|
| Investment Value (A) | ||
| Cost of Acquistion/Indexed Cost of Acquistion (B) | ||
| Capital Gain/Loss (A-B) | ||
| Tax on Capital Gain/Loss (C) * | ||
| Net Value Post Tax (A-C)* | ||
| Post Tax Returns |
*Tax on LTCG on Equity Oriented Fund upto INR 1 lac will be NIL. For the purpose of this simulation, it is assumed that the investor may have other long term capital gains, such that the total LTCG under section 112A exceeds INR 1 lac. However, please note that in case the long term capital gains are below INR 1 lac, then post tax returns on equity oriented fund can be higher than Debt Fund with Indexation benefit
Please note that for Debt, less than 3 years is considered as short term. For Equity, short term duration less than is 1 year.
Disclaimer:
This tool has been designed for information purposes only. Investor should not consider above as a recommendation for any schemes of DSP Mutual Fund / third party mutual fund schemes. Data captured here is publicly available including information developed in-house. The recipient(s) before acting on any information herein should make his/their own investigation and seek appropriate professional advice. Investors are requested to note that there is no assurance of any returns/capital protection/capital guarantee to the investors in any schemes of DSP Mutual Fund. Past performance may or may not sustain in future and should not be used as a basis for comparison with other investments. The Performance may vary from scheme to scheme and depends upon several factors including load structure, investment framework, AUM, Investment objective, sector diversion, asset allocation & internal risk management parameter. Investor before investing into any kind of mutual fund scheme should read and be aware of scheme specific risk factors including Risk-o-meter of scheme / benchmark, Investment strategy & objective, asset allocation, Load structure, Plan/options available etc. defined in offer documents (Scheme Information Document and Key Information Memorandum) which are available on website. While utmost care has been exercised while preparing this tool, the DSP Asset Managers Private Limited/ DSP mutual Fund nor any person connected does not warrant the completeness or accuracy of the information and disclaims all liabilities, losses and damages arising out of the use of this information. Investors are advised to consult their own legal, tax and financial advisors to determine possible tax, legal and other financial implication or consequence of subscribing to the units of DSP Mutual Fund.
**MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY**