{"id":42937,"date":"2026-09-11T14:00:00","date_gmt":"2026-09-11T08:30:00","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=42937"},"modified":"2026-09-11T09:08:15","modified_gmt":"2026-09-11T03:38:15","slug":"what-is-long-term-capital-gains-tax-on-mutual-funds-rates-rules-how-to-calculate","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-is-long-term-capital-gains-tax-on-mutual-funds-rates-rules-how-to-calculate\/","title":{"rendered":"What Is Long Term Capital Gains Tax on Mutual Funds? Rates, Rules &amp; How to Calculate"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 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-long-term-capital-gains-tax-on-mutual-funds-rates-rules-how-to-calculate\/#ltcg_rates_for_different_mutual_funds\" >ltcg rates for different mutual funds<\/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-long-term-capital-gains-tax-on-mutual-funds-rates-rules-how-to-calculate\/#how_ltcg_tax_is_calculated\" >how ltcg tax is calculated<\/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-long-term-capital-gains-tax-on-mutual-funds-rates-rules-how-to-calculate\/#what_changed_in_budget_2024\" >what changed in budget 2024<\/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-long-term-capital-gains-tax-on-mutual-funds-rates-rules-how-to-calculate\/#debt_mutual_fund_taxation_after_april_2023\" >debt mutual fund taxation after april 2023<\/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-long-term-capital-gains-tax-on-mutual-funds-rates-rules-how-to-calculate\/#how_to_reduce_ltcg_tax_legally\" >how to reduce ltcg tax legally<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/what-is-long-term-capital-gains-tax-on-mutual-funds-rates-rules-how-to-calculate\/#frequently_asked_questions\" >frequently asked questions<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">long term capital gains tax applies when mutual fund units are sold after a holding period. for equity funds, that period is more than 12 months. for debt funds, things changed after april 2023.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">equity gains above \u20b91.25 lakh in a financial year are taxed at 12.5%. debt funds bought after april 1, 2023 do not get any ltcg benefit. all gains are taxed at the individual&#8217;s slab rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ltcg_rates_for_different_mutual_funds\"><\/span><strong>ltcg rates for different mutual funds<\/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\">fund type<\/th><th class=\"has-text-align-left\" data-align=\"left\">holding period for ltcg<\/th><th class=\"has-text-align-left\" data-align=\"left\">ltcg rate<\/th><th class=\"has-text-align-left\" data-align=\"left\">exemption<\/th><\/tr><\/thead><tbody><tr><td>equity mutual funds<\/td><td>more than 12 months<\/td><td>12.5%<\/td><td>\u20b91.25 lakh per year<\/td><\/tr><tr><td>debt funds (before april 1, 2023)<\/td><td>more than 24 months<\/td><td>12.5%<\/td><td>none<\/td><\/tr><tr><td>debt funds (on or after april 1, 2023)<\/td><td>not applicable<\/td><td>slab rate<\/td><td>none<\/td><\/tr><tr><td>hybrid funds (65%+ equity)<\/td><td>more than 12 months<\/td><td>12.5%<\/td><td>\u20b91.25 lakh per year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_ltcg_tax_is_calculated\"><\/span><strong>how ltcg tax is calculated<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>step 1. find the gain.<\/strong>&nbsp;sale price minus purchase price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>step 2. check holding period.<\/strong>&nbsp;equity funds need more than 12 months. debt funds bought before april 2023 need more than 24 months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>step 3. apply exemption.<\/strong>&nbsp;for equity funds, first \u20b91.25 lakh of gains is tax-free.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>step 4. apply tax rate.<\/strong>&nbsp;remaining gain taxed at 12.5%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>step 5. add cess.<\/strong>&nbsp;4% health and education cess on the tax amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>example.<\/strong>&nbsp;\u20b95,00,000 invested in equity fund. sold for \u20b97,50,000 after 14 months. gain is \u20b92,50,000. exemption is \u20b91,25,000. taxable gain is \u20b91,25,000. tax at 12.5% is \u20b915,625. cess is \u20b9625. total tax is \u20b916,250.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_changed_in_budget_2024\"><\/span><strong>what changed in budget 2024<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">budget 2024 changed equity tax rates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>before july 23, 2024.<\/strong>&nbsp;stcg was 15%. ltcg was 10% above \u20b91 lakh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>on or after july 23, 2024.<\/strong>&nbsp;stcg is 20%. ltcg is 12.5% above \u20b91.25 lakh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">these rates continue for fy 2026-27.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"debt_mutual_fund_taxation_after_april_2023\"><\/span><strong>debt mutual fund taxation after april 2023<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>units bought before april 1, 2023.<\/strong>&nbsp;held over 24 months get ltcg at 12.5% without indexation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>units bought on or after april 1, 2023.<\/strong>&nbsp;no ltcg benefit. all gains taxed at slab rate. no indexation. no special rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">this applies to any fund with less than 35% equity. hybrid funds with less than 65% equity also fall here.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_to_reduce_ltcg_tax_legally\"><\/span><strong>how to reduce ltcg tax legally<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>use the \u20b91.25 lakh exemption every year.<\/strong>&nbsp;sell equity units to book gains up to \u20b91.25 lakh. reinvest. this resets the cost base.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>offset losses against gains.<\/strong>&nbsp;short term losses can offset both stcg and ltcg. long term losses can offset only ltcg.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>stagger redemptions across financial years.<\/strong>&nbsp;selling in march and april splits gains across two years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>use section 54f exemption.<\/strong>&nbsp;if ltcg is reinvested in a residential property, the gain can be exempt.<\/p>\n\n\n\n<h2 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><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. is the \u20b91.25 lakh exemption per fund or total?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">total across all equity investments. not per fund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. what is the ltcg rate on debt funds bought after april 2023?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">slab rate. no ltcg. no indexation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. can i claim ltcg exemption if my total income is below the taxable limit?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">the \u20b91.25 lakh exemption applies separately. filing itr may still be required.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. how does cess affect ltcg tax?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4% health and education cess on the tax amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. what is the holding period for equity mutual funds?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">more than 12 months for ltcg. 12 months or less is stcg at 20%.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>long term capital gains tax applies when mutual fund units are sold after a holding period. for equity funds, that period is more than 12 months. for debt funds, things changed after april 2023. equity gains above \u20b91.25 lakh in a financial year are taxed at 12.5%. debt funds bought after april 1, 2023 do [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-is-long-term-capital-gains-tax-on-mutual-funds-rates-rules-how-to-calculate\/\">Read 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