{"id":42409,"date":"2026-08-21T14:00:00","date_gmt":"2026-08-21T08:30:00","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=42409"},"modified":"2026-08-19T20:25:00","modified_gmt":"2026-08-19T14:55:00","slug":"what-is-the-difference-between-stcg-and-ltcg-tax-on-debt-mutual-funds-in-india","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-is-the-difference-between-stcg-and-ltcg-tax-on-debt-mutual-funds-in-india\/","title":{"rendered":"What is the difference between STCG and LTCG tax on debt mutual funds in India?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><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><\/span><\/a><\/span><\/div>\n<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:\/\/kuvera.in\/blog\/what-is-the-difference-between-stcg-and-ltcg-tax-on-debt-mutual-funds-in-india\/#for_debt_funds_bought_before_april_1_2023\" >for debt funds bought before april 1, 2023<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/what-is-the-difference-between-stcg-and-ltcg-tax-on-debt-mutual-funds-in-india\/#for_debt_funds_bought_on_or_after_april_1_2023\" >for debt funds bought on or after april 1, 2023<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/what-is-the-difference-between-stcg-and-ltcg-tax-on-debt-mutual-funds-in-india\/#summary_table_debt_fund_taxation_fy_2026-27\" >summary table. debt fund taxation (fy 2026-27)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/what-is-the-difference-between-stcg-and-ltcg-tax-on-debt-mutual-funds-in-india\/#what_changed_in_2024\" >what changed in 2024<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/what-is-the-difference-between-stcg-and-ltcg-tax-on-debt-mutual-funds-in-india\/#what_funds_are_covered\" >what funds are covered<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/what-is-the-difference-between-stcg-and-ltcg-tax-on-debt-mutual-funds-in-india\/#frequently_asked_questions\" >frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">debt mutual fund taxation changed significantly in 2023 and 2024. the old distinction between short-term and long-term gains no longer applies to most debt funds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">the difference between stcg and ltcg depends entirely on when the units were bought.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"for_debt_funds_bought_before_april_1_2023\"><\/span><strong>for debt funds bought before april 1, 2023<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">these units follow the older structure&nbsp;<a href=\"https:\/\/taxguru.in\/income-tax\/debt-equity-mutual-funds-broker-capital-gain-reports-mislead-itr-filing.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>short-term capital gains.<\/strong>&nbsp;held for 24 months or less. taxed at the income tax slab rate&nbsp;<a href=\"https:\/\/m.economictimes.com\/wealth\/tax\/latest-capital-gains-tax-rate-for-equity-gold-mutual-funds-for-fy2026-2027-after-budget-2026\/amp_articleshow\/127796728.cms#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>long-term capital gains.<\/strong>&nbsp;held for more than 24 months. taxed at 12.5%. no indexation benefit&nbsp;<a href=\"https:\/\/www.bdo.in\/en-gb\/news\/2025\/how-stocks-and-mutual-funds-are-taxed-in-india\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/hdfcsky.com\/sky-learn\/tax\/capital-gains-tax-on-mutual-funds-explained#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">units bought before april 1, 2023 and redeemed before july 23, 2024 still got the old 20% rate with indexation&nbsp;<a href=\"https:\/\/m.economictimes.com\/wealth\/tax\/latest-capital-gains-tax-rate-for-equity-gold-mutual-funds-for-fy2026-2027-after-budget-2026\/amp_articleshow\/127796728.cms#1\" target=\"_blank\" rel=\"noopener\"><\/a>. after that date, the benefit is gone.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"for_debt_funds_bought_on_or_after_april_1_2023\"><\/span><strong>for debt funds bought on or after april 1, 2023<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">the rules are completely different. these are &#8220;specified mutual funds&#8221; under section 50aa&nbsp;<a href=\"https:\/\/taxguru.in\/income-tax\/section-50aa-long-held-assets-taxed-short-term-gains.html#pcomments#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/taxguru.in\/income-tax\/debt-fund-held-years-taxed-slab-rate.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>all gains are short-term.<\/strong>&nbsp;holding period does not matter. 10 months or 10 years. same treatment&nbsp;<a href=\"https:\/\/www.dspim.com\/knowledge-hub\/personal-finance-guide\/capital-gains-filing-in-india-what-to-report-where-and-how\/stcg-and-ltcg-rules-in-india\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/cfasocietyindia.org\/blog\/taxing-debt-rewarding-risk-implications-of-indias-differential-tax-treatment-of-debt-and-equity-for-investors\/\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>taxed at slab rate.<\/strong>&nbsp;gains are added to total income. taxed at the investor&#8217;s income tax slab rate. no indexation. no ltcg rate&nbsp;<a href=\"https:\/\/economictimes.indiatimes.com\/wealth\/tax\/have-debt-mutual-fund-taxation-rules-changed-in-budget-2026\/printarticle\/127824132.cms#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/capital-gains-tax-how-stocks-etfs-and-equity-mutual-funds-are-taxed-now-11786356089528.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">someone in the 30% bracket pays 30% plus cess. someone in the 5% bracket pays 5%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>the practical impact.<\/strong>&nbsp;holding a debt fund for ten years now produces the same tax bill as holding it for ten months. a debt fund and a bank fixed deposit are, for tax purposes, identical&nbsp;<a href=\"https:\/\/cfasocietyindia.org\/blog\/taxing-debt-rewarding-risk-implications-of-indias-differential-tax-treatment-of-debt-and-equity-for-investors\/\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"summary_table_debt_fund_taxation_fy_2026-27\"><\/span><strong>summary table. debt fund taxation (fy 2026-27)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">purchase date<\/th><th class=\"has-text-align-left\" data-align=\"left\">holding period<\/th><th class=\"has-text-align-left\" data-align=\"left\">classification<\/th><th class=\"has-text-align-left\" data-align=\"left\">tax rate<\/th><\/tr><\/thead><tbody><tr><td>before april 1, 2023<\/td><td>24 months or less<\/td><td>stcg<\/td><td>slab rate<\/td><\/tr><tr><td>before april 1, 2023<\/td><td>more than 24 months<\/td><td>ltcg<\/td><td>12.5%<\/td><\/tr><tr><td>on or after april 1, 2023<\/td><td>any period<\/td><td>deemed stcg (section 50aa)<\/td><td>slab rate<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_changed_in_2024\"><\/span><strong>what changed in 2024<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">budget 2024 made two changes&nbsp;<a href=\"https:\/\/m.economictimes.com\/wealth\/tax\/latest-capital-gains-tax-rate-for-equity-gold-mutual-funds-for-fy2026-2027-after-budget-2026\/amp_articleshow\/127796728.cms#1\" target=\"_blank\" rel=\"noopener\"><\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>holding period for ltcg on pre-april 2023 debt funds reduced from 36 to 24 months<\/li>\n\n\n\n<li>indexation removed for all long-term gains from july 23, 2024<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">the indexation benefit is gone for all redemptions on or after july 23, 2024&nbsp;<a href=\"https:\/\/economictimes.indiatimes.com\/wealth\/tax\/have-debt-mutual-fund-taxation-rules-changed-in-budget-2026\/printarticle\/127824132.cms#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_funds_are_covered\"><\/span><strong>what funds are covered<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">section 50aa applies to &#8220;specified mutual funds&#8221; \u2014 funds that invest more than 65% in debt and money market instruments&nbsp;<a href=\"https:\/\/taxguru.in\/income-tax\/debt-fund-held-years-taxed-slab-rate.html#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/taxguru.in\/income-tax\/debt-equity-mutual-funds-broker-capital-gain-reports-mislead-itr-filing.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">this includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>debt funds<\/li>\n\n\n\n<li>liquid funds<\/li>\n\n\n\n<li>money market funds<\/li>\n\n\n\n<li>conservative hybrid funds with less than 35% equity<\/li>\n\n\n\n<li>debt-oriented fund of funds<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>funds not covered.<\/strong>&nbsp;gold etfs, gold fund of funds, and international funds moved outside section 50aa from fy 2025-26&nbsp;<a href=\"https:\/\/taxguru.in\/income-tax\/debt-fund-held-years-taxed-slab-rate.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>. these follow normal capital gains rules.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"frequently_asked_questions\"><\/span><strong>frequently asked questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. do debt funds have ltcg benefit in 2026?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">for units bought on or after april 1, 2023, no. all gains are short-term. taxed at slab rate. for pre-april 2023 units, ltcg at 12.5% if held over 24 months&nbsp;<a href=\"https:\/\/hdfcsky.com\/sky-learn\/tax\/capital-gains-tax-on-mutual-funds-explained#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.bdo.in\/en-gb\/news\/2025\/how-stocks-and-mutual-funds-are-taxed-in-india\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. what is section 50aa?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a deeming provision that treats gains from specified mutual funds as short-term regardless of holding period. applies to units acquired on or after april 1, 2023&nbsp;<a href=\"https:\/\/taxguru.in\/income-tax\/section-50aa-long-held-assets-taxed-short-term-gains.html#pcomments#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/taxguru.in\/income-tax\/debt-fund-held-years-taxed-slab-rate.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. what is the holding period for debt fund ltcg?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">for pre-april 2023 units, 24 months. for post-april 2023 units, no ltcg classification exists&nbsp;<a href=\"https:\/\/www.bdo.in\/en-gb\/news\/2025\/how-stocks-and-mutual-funds-are-taxed-in-india\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/m.economictimes.com\/wealth\/tax\/latest-capital-gains-tax-rate-for-equity-gold-mutual-funds-for-fy2026-2027-after-budget-2026\/amp_articleshow\/127796728.cms#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. is indexation available for debt funds in 2026?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">no. indexation is not available for any debt fund redemption on or after july 23, 2024&nbsp;<a href=\"https:\/\/economictimes.indiatimes.com\/wealth\/tax\/have-debt-mutual-fund-taxation-rules-changed-in-budget-2026\/printarticle\/127824132.cms#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/m.economictimes.com\/wealth\/tax\/latest-capital-gains-tax-rate-for-equity-gold-mutual-funds-for-fy2026-2027-after-budget-2026\/amp_articleshow\/127796728.cms#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. why are debt funds taxed at slab rate now?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">finance act 2023 removed the special capital gain tax rate for specified mutual funds to align them with fixed deposits&nbsp;<a href=\"https:\/\/taxguru.in\/income-tax\/debt-equity-mutual-funds-broker-capital-gain-reports-mislead-itr-filing.html#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/cfasocietyindia.org\/blog\/taxing-debt-rewarding-risk-implications-of-indias-differential-tax-treatment-of-debt-and-equity-for-investors\/\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>debt mutual fund taxation changed significantly in 2023 and 2024. the old distinction between short-term and long-term gains no longer applies to most debt funds. the difference between stcg and ltcg depends entirely on when the units were bought. for debt funds bought before april 1, 2023 these units follow the older structure&nbsp;. short-term capital [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-is-the-difference-between-stcg-and-ltcg-tax-on-debt-mutual-funds-in-india\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":42210,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[130],"tags":[],"class_list":["post-42409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-fund-taxation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is the difference between STCG and LTCG tax on debt mutual funds in India? - Kuvera<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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