Plan mutual fund SIP returns over time.
₹12.00 L
+₹11.23 L
₹21.99 L
The total accumulated wealth at the end of tenure.
Fixed monthly installment (e.g. ₹10,000).
Annual expected return divided by 12 (12% / 12 = 1.00%).
Tenure in years × 12 (10 Years × 12 = 120 Months).
For Equity Mutual Funds held for more than 1 year, gains exceeding ₹1.25 Lakhs per financial year are taxed at 12.5% without indexation benefits.
If equity mutual fund units are redeemed before 1 year, gains are taxed at 20% STCG.
Most equity funds charge a 1% Exit Load if redeemed within 1 year of unit allotment. No exit load applies after 1 year.
A nominal 0.005% Stamp Duty applies on mutual fund purchases. Mutual funds also deduct an annual Expense Ratio (typically 0.5% – 2%).