How to harvest the ₹1.25L LTCG exemption?

Sell equity MF units each year to book exactly ₹1.25L in LTCG, then repurchase the same or a similar fund. This 'steps up' your cost basis without increasing your tax bill.

What is the LTCG tax rate for equity mutual funds?

In FY 2026-27, LTCG on equity mutual funds is taxed at a flat rate of 12.5% on gains exceeding ₹1.25 Lakh per fiscal year.

Equity MF LTCG PlannerFY 2026-27

Plan your equity sell-offs with latest tax harvesting (₹1.25L exemption), surcharge impact, and holding period optimization.

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Quick Summary: Equity MF LTCG Planner

The Equity MF LTCG Planner helps investors utilize the annual ₹1.25L tax exemption in FY 2026-27. By booking profits up to this limit each year and reinvesting, you can effectively step up your cost basis and reduce future tax liability at the 12.5% rate.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.