How is the holding period calculated for tax?

For Equity funds, Long-term (LTCG) starts after 12 months. For Debt funds, the concept of long-term tax benefits (indexation) was removed in 2023; they are now taxed at slab rates.

What is the tax on Hybrid funds?

Hybrid funds with >65% equity are taxed like Equity funds. Those with <35% equity are taxed like Debt funds. Funds in between (Balanced Hybrid) have a 3-year threshold for LTCG.

Is surcharge applicable on mutual fund gains?

Yes, if your total income exceeds ₹50 Lakhs, a surcharge may apply. However, for equity gains, the surcharge is capped at 15%.

Mutual Fund Tax CalculatorFY 2026-27

Calculate capital gains tax for Equity and Debt mutual funds based on the latest post-Budget rules.

Share this calculation:

Documentation

Quick Summary: Mutual Fund Tax Calculator

A Mutual Fund Tax Calculator helps you estimate your tax outgo on redemptions. In FY 2026-27, Equity LTCG (held >1 year) is taxed at 12.5% on gains exceeding ₹1.25L. STCG (held ≤1 year) is 20%. Debt funds are now taxed at your slab rate regardless of the holding period, making tax planning essential for high-income earners.

Related Calculators

Equity MF LTCG Planner

SIP Tax Impact Calculator

Income Tax Calculator

Capital Gains Tax Calculator

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.