NetReturns

SIP & lumpsum calculator

What a mutual fund investment grows to, the tax when you sell, and what you keep.

India's 50 largest companies, low fees. Taxed like equity.
How you invest
₹
yrs
%
A yearly rate, before tax. The planning range for this fund type is 10–14%; not guaranteed.
%
0% keeps the same amount every year.
You'd have after 15 years

₹43,90,349

₹47,59,314 before tax, less ₹3,68,965 tax when you sell. Could be ₹37.44 L – ₹51.67 L across the 10–14% range.
You put in
₹18.00 L
Gains
₹29.59 L
Tax
₹3.69 L

11.05% a yearafter tax

Value at the end of each year, before taxYour moneyEarned

What this means

  • Tax takes a moderate shareAbout 12.5% of your gains (₹3,68,965) goes to taxes. This is a typical range for equity investments held over 15 years.
  • Holding long is paying off₹29,52,849 of your ₹29,59,314 in gains (100%) qualifies for the lower 12.5% long-term rate. The short-term part (₹6,465) comes only from the last 11 monthly installments.
  • The tax bill is manageableThe ₹3,68,965 difference between pre-tax (₹47,59,314) and post-tax (₹43,90,349) corpus is relatively small. Your investment is reasonably tax-efficient at this size.
How the tax is worked out
Tax Calculation Breakdown
Fund TypeEquity Mutual Fund
Investment ModeMonthly SIP
Investment Duration15 years (180 months)
Short Term Capital Gains (STCG)
STCG Installments11 (last 11 months)
STCG Amount₹6,465
STCG Tax Rate20%
STCG Tax₹1,293
Long Term Capital Gains (LTCG)
LTCG Installments169 (first 169 months)
LTCG Amount₹29,52,849
Annual Exemption (₹1.25L)−₹1,25,000
Taxable LTCG₹28,27,849
LTCG Tax Rate12.5%
LTCG Tax₹3,53,481
Base Tax₹3,54,774
Cess @ 4%₹14,191
Total Estimated Tax₹3,68,965

Assumptions Used

  • The 12% return is applied as an effective yearly rate, spread evenly across the months of each year.
  • All units are redeemed at the end of the investment period (lump-sum redemption).
  • LTCG exemption of ₹1.25 lakh is applied once (single financial-year redemption).
  • Installments held ≥ 12 months → LTCG; held < 12 months → STCG.
  • Surcharge is not included; actual tax may be higher for high-income individuals.
  • 4% Health & Education Cess is included on the tax amount.
  • Tax rules as per FY 2026-27 (Finance Act 2026; capital-gains rates unchanged since Budget 2024-25, slabs since Budget 2025-26).