Bhai tell me one thing let suppose 1st year ke baad maine 99000 ka profit banya ok lekin aage ka tax save karne ke liye profit book kar liya then reinvest to current nav pe hi hoga na ....to new nav pe aage ka profit to waise hi kam ho gaya
Good video.but you forgot to include STCG. When you withdraw and reinvest . So effectively ull end up paying more if you u do this way. Total tax ull end up paying is roughly 75,851.85 The gov is not stupid they know ppl will do this to evade tax. So only Stcg is 15%.. But if you do it after 12months+1day or 13 months then you have a found a loophole.
This is one of my desired topic.I am using Tax Harvesting from last year.I take help from KUVERA app for Tax Harvesting.Please,Can you make a video about calculation of Tax Harvesting amount on investment through SIP & Lumsum in Excel sheet (taking any mutual fund as examples) ?? It will help a lot of people to harvest LTCG by themselves .
@fincalc, I've made the harvesting calculations for mutual funds, and found out harvesting only works, based on how much we invest, and for how many years. for number of years = 5, we get tax exemption of 88% like you told, but for greater number of years like 20-30, the tax paid will be infact more in case of harvesting, since yearly profit difference will be high for those many years, hence, tax at redemption is economical in that case, Ex: for mutual fund of 16000 per month, tax 10%, cess 4%, Tax saved through harvesting will be more than normal LTCG tax at 16th year The tax at redemption after 16 years will be 6,36,179 Rs, And the sum total tax paid yearly by harvesting is 6,73,390 Rs.
At some point of time ultimately the profit might go above 1 lakh in FY and you have to pay ltcg for it.. Tax harvesting is effective during the first 7-10 years but after you have accumulated enough investment amount, small percentage of profits increases your profits in numbers by a lot. So during that time think about maximizing your returns rather than thinking about taxes, anyway you would only pay 10% on profits which is not much I believe on big profits 😊 Still if you want than I'll cover the topic again in upcoming videos
Sir 10 percent nd 4 %surcharge toh ok..de denge...but Apart from that mann lijye income tax slab mein yadi hamara income 30% bracket mein aata hai toh fir se tax dena parega as per slab??
ये जो स्टॉक और म्यूचुअल फंड में टैक्स लगते है वन स्टॉक या वन sip फंड में लगता है की पूरे डीमेट अकाउंट में जितने शेयर है या म्यूचुअल फंड है वो पूरा काउंट करके टैक्स देना पढ़ता है या फिर जिस स्टॉक या जिस म्यूचुअल फंड में प्रॉफिट होता है बस वही काउंट होता है कृपया उत्तर जरूर दे महानुभाव।
Will Tax on LTCG on two indivisual mutual fund be calculated seperately or jointly by considering the profit on each fund. I have two fund having long term gain. Should I calculated tax individually by taking rebate of 1lac on each fund. Please be clarified
Thnx Kindly suggest, if an investor wants to re-invest the amt less than 1L, then how will they show it in their ITR, Should the reinvestment be from the same broker/distributor or should the scheme be same?
But sir in equity share if every year we sell and again by than need to pay sst tax. Depends on demate bank. It is around 1.5 to 2%. If in your example if we sold 575000 and buying 575000. Than it sst around 10000 to 15000.
Can we save some Tax on STCG - Stock by investing in ELSS MF? Suppose,some has Income from Bank Interest 30k , Dividend 20k and STCG or LTCG 20 lacs ? If he invest ELSS MF for Rs 1.5 lacs , will he be able to take Tax benefit on STCG or LTCG ?
But bada dil and self control and discipline chahiye sab units bech k dobara mutual fund lagane k liye....tabhi ek naya bike release hua toh gaye saare paise.
As you say I book my lost today and immediately buy the same share same quantity. But this order is treated as an intraday and thus I can't book losses. Now what to do? How does it works? Is my sell & buy prosess is right or wrong?
Expense ratio is the fees taken by mutual fund manager. It is included in the returns that is displayed on financial websites so no need to calculate expense ratio separately
You have not considered "Wash sale rule". if the investor repurchases the same security (or a substantially similar one) within 30 days before or after the sale, it is considered a wash sale. In a wash sale, the loss cannot be claimed for tax purposes.
In SWP on equity fund if at midway differential amount capital gain is drawn what would be the final redemption amount? Suppose purchase @100/- per unit. No. Of units purchased.5000. Drawn on SWP 1000 units at different rates. In the midway drew differential amount of unit price on 4000 units @Rs.50 (100-50). Now balance unit stands at 3500. Current unit price Rs.200/- Now decided to redempt the entire units @ Rs.200/ unit. How much would he receive as final payment?
Sir jaise long term main 5 lakh invest Kiya 3 yrs tak aur 4 lakh return Mila aur main kewal 2 lakh rs hi redeem karta hoo to redemption amount return wala redeem hoga ya invested wala redeem hoga . Plz reply.
Dear Sir Excellent video. I am always waiting for your new video. Sir can indexation benefit be taken after 3 year on capital gain .kly clarify Regds Sr citizen
Hello, Yadi meri total taxable income is non taxable eventhough LTCG Jo ki 1 lac se Jayda hain to Kya mujah tax pay karna hoga. Total income included is less than taxable income. Scour this informatio is missing.
Sir, agr koi government employee mf bechata h to kya uski salary m ye rupye judke usko tax dena padega ya fir sirf long term capital gain hi dena hoga..
Sir 1year before mutual fund reddem korne par 15% tax automatic kat ka bank may paisa ayega or income tax file korna poreyga mera income 2.5 lakh sey kom ho
profist calculate karo manually check karke ki aaj ki date tak kitna deposit kiya hai aut total portfolio value kitni hui hai, aur vo profits redeem kar sakte ho
Mere wife (Housewife - No any income source) ke Zerodha account se ipo ke shares sell kiye uspe muze 4 lack profit hota hai short term capital gain me to muze tax lagega kya or ha to kitna % tax lagega muze
Agar yearly basis pe unit sell karke unit buy karenge to next year 10 rs wala unit maybe 12-14 rs ko ho means nav increase rate pe milega and jab nav ka rate Jayda hoga to units kam milega ispar aapne kuch bataya nahi and uska profit margin pe kitna fark padega iska calculation bhi nahi bataya. Tax harvesting to sahi hai par with increased nav and less unit purchased uska calculation bhi batao
Sir Mera ek sawal tha agr meri 2 alag alag sip chal Rahi hai aur dono pr 1 lakh se Jayda return hai to Jo 1lkh ki choot hai wo dono pr applicable hai ya dono pr 1 ek lakh hi choot milnigi plz reply sir
In usual SIP it is just purchasing of new units every period. Tax is calculated only when you withdraw money. So the time you withdraw - time you first invested is taken under consideration. To keep advantage of compounding you need to not lower your units so buy again with the amount you have withdrawn. Your units will be same approximately. But tax will be calculated again when you have reinvested the amount till withdrawn.
Wrong calculation......u didnt calculate the stcg of deposited money in sip which deposit in last year......and your calculation is correct in that condition when holding period of mf is more than 1 year after deduction of last sip
Totally false information If you will do this procedure it will impact your total returns because you are selling units bought on lesser price and buying same for higher price This will impact long term goals which is the fundamental of mutual funds BUY AT LESS SELL AT MORE
Would i be able to buy the same fund twice ? fo eg i have 10 laks and i know the profit will be more than 1 lakh so can i split the 5 lakhs in in 2 sections for the same fund ? please answer me.
Video kaisa laga? COMMENT KARO 👇
Find more Mutual Funds and SIP videos here:
ua-cam.com/play/PLDLJ6DuVa3Lx1yaa7lP5JSgO6fGU7wThO.html
I sold aland whichwaspurchasedbyfather townland 90 years old land l am unemployed have no source of income now I am liable to pay ltcgtax 9r not
Bhai tell me one thing let suppose 1st year ke baad maine 99000 ka profit banya ok lekin aage ka tax save karne ke liye profit book kar liya then reinvest to current nav pe hi hoga na ....to new nav pe aage ka profit to waise hi kam ho gaya
Sir agar hamare pass 5 funds hai,tu 5 funds ka combine profit consider kare,ya Phir individual ka ???
Good video.but you forgot to include STCG. When you withdraw and reinvest .
So effectively ull end up paying more if you u do this way.
Total tax ull end up paying is roughly 75,851.85
The gov is not stupid they know ppl will do this to evade tax. So only Stcg is 15%..
But if you do it after 12months+1day or 13 months then you have a found a loophole.
Itne asaan tarike toh tax system hame economy ke lecture mein bhi nhi pdayea 👍
Thanks 👍🙏
This is one of my desired topic.I am using Tax Harvesting from last year.I take help from KUVERA app for Tax Harvesting.Please,Can you make a video about calculation of Tax Harvesting amount on investment through SIP & Lumsum in Excel sheet (taking any mutual fund as examples) ?? It will help a lot of people to harvest LTCG by themselves .
I had same question how that will work on running sip investment?
@fincalc, I've made the harvesting calculations for mutual funds, and found out harvesting only works, based on how much we invest, and for how many years.
for number of years = 5, we get tax exemption of 88% like you told, but for greater number of years like 20-30, the tax paid will be infact more in case of harvesting, since yearly profit difference will be high for those many years, hence, tax at redemption is economical in that case,
Ex: for mutual fund of 16000 per month, tax 10%, cess 4%,
Tax saved through harvesting will be more than normal LTCG tax at 16th year
The tax at redemption after 16 years will be 6,36,179 Rs,
And the sum total tax paid yearly by harvesting is 6,73,390 Rs.
At some point of time ultimately the profit might go above 1 lakh in FY and you have to pay ltcg for it..
Tax harvesting is effective during the first 7-10 years but after you have accumulated enough investment amount, small percentage of profits increases your profits in numbers by a lot.
So during that time think about maximizing your returns rather than thinking about taxes, anyway you would only pay 10% on profits which is not much I believe on big profits 😊
Still if you want than I'll cover the topic again in upcoming videos
Sir 10 percent nd 4 %surcharge toh ok..de denge...but Apart from that mann lijye income tax slab mein yadi hamara income 30% bracket mein aata hai toh fir se tax dena parega as per slab??
by booking profit ,you mean sell mutual funds and reinvest principal plus profit
Yes
please do a video on Tax harvesting for monthly SIP, as it's very different and complex compared to lumpsum investment.
here's a video related to income tax on sip:
ua-cam.com/video/282oL594G1U/v-deo.html
hope it helps
Very nice information, but ye lumpsum pe calculate hoga, aap sip pr tax saving ka bhi video banaye 🙏🙏🙏
theek hai jald banate hai. Stay tuned
Is se compounding nahi hoga
ये जो स्टॉक और म्यूचुअल फंड में टैक्स लगते है वन स्टॉक या वन sip फंड में लगता है की पूरे डीमेट अकाउंट में जितने शेयर है या म्यूचुअल फंड है वो पूरा काउंट करके टैक्स देना पढ़ता है या फिर जिस स्टॉक या जिस म्यूचुअल फंड में प्रॉफिट होता है बस वही काउंट होता है कृपया उत्तर जरूर दे महानुभाव।
Will Tax on LTCG on two indivisual mutual fund be calculated seperately or jointly by considering the profit on each fund.
I have two fund having long term gain. Should I calculated tax individually by taking rebate of 1lac on each fund. Please be clarified
Calculated jointly
Unbelievable...Best one
Thanks 👍
Sir sip krte hai agr 7 MF me to. Uska bhi bta do kaise tax save kre
Kuki wo to alg alg fund me hoga@@fincalc
Thnx
Kindly suggest, if an investor wants to re-invest the amt less than 1L, then how will they show it in their ITR, Should the reinvestment be from the same broker/distributor or should the scheme be same?
Why there is a need to show reinvestment? Not required
Yes in future i desire to do
This is good for lumsum investment…..but what about SIP…..how can we harvest tax in that case??
Here's the examples with sip to save tax
ua-cam.com/video/yjcVKSYWRpc/v-deo.htmlsi=qkOVd3eGD-Ev8xPA
Sip me LTCG AUR TAX HARVESTING KAISE KARE???
Sir, what will be the total profit in tax harvesting case. Or it will remain same in both case
same profit in both case
But sir in equity share if every year we sell and again by than need to pay sst tax. Depends on demate bank. It is around 1.5 to 2%. If in your example if we sold 575000 and buying 575000. Than it sst around 10000 to 15000.
He is not withdrawing all amount and investing again he is just investing profit amount.
The problem is where will get all this info to create this excel??
Can we save some Tax on STCG - Stock by investing in ELSS MF? Suppose,some has Income from Bank Interest 30k , Dividend 20k and STCG or LTCG 20 lacs ? If he invest ELSS MF for Rs 1.5 lacs , will he be able to take Tax benefit on STCG or LTCG ?
sir mein 5k per month invest karna chata hun for atleast 25 to 30 years...toh batayein kitna tax dena hoga aur tax bachana chahun toh kaise karun.
Tax harvesting karnese Average NAV increase hoga matlab return decrease hoga
But bada dil and self control and discipline chahiye sab units bech k dobara mutual fund lagane k liye....tabhi ek naya bike release hua toh gaye saare paise.
Bro jaise apney kha ki profit booking karte chaley toh woh entery toh STCG mai atey jaynegi naa🙄🙄
Stcg vala profits book hi nahi karna hai
Ye video dekho
ua-cam.com/video/yjcVKSYWRpc/v-deo.htmlsi=qkOVd3eGD-Ev8xPA
As you say I book my lost today and immediately buy the same share same quantity. But this order is treated as an intraday and thus I can't book losses. Now what to do? How does it works?
Is my sell & buy prosess is right or wrong?
Hello, How Expense ratio of the Mutual fund can be calculated along with the Capital Gain?
Expense ratio is the fees taken by mutual fund manager. It is included in the returns that is displayed on financial websites so no need to calculate expense ratio separately
@@fincalc How to check Stock and MF portfolios performance and compare with Market ?
You r doing a great deal of work it may still be better if you or your team can provide consultant for a fee it will be better thanks
Market loss me hoga to profit book karke kya fayda hai...wo to nuksan hai.... interest bhi fix nahi hota market me...i think ye complicated hai bahut
You have not considered "Wash sale rule". if the investor repurchases the same security (or a substantially similar one) within 30 days before or after the sale, it is considered a wash sale. In a wash sale, the loss cannot be claimed for tax purposes.
Wash sale is not applied in India
how that will work on running sip investment?
In SWP on equity fund if at midway differential amount capital gain is drawn what would be the final redemption amount? Suppose purchase @100/- per unit. No. Of units purchased.5000. Drawn on SWP 1000 units at different rates. In the midway drew differential amount of unit price on 4000 units @Rs.50 (100-50). Now balance unit stands at 3500. Current unit price Rs.200/- Now decided to redempt the entire units @ Rs.200/ unit. How much would he receive as final payment?
Please make video on STCG
Already made video on STCG.. watch here
ua-cam.com/video/b3Ni2ZJzpkE/v-deo.html
Sir jaise long term main 5 lakh invest Kiya 3 yrs tak aur 4 lakh return Mila aur main kewal 2 lakh rs hi redeem karta hoo to redemption amount return wala redeem hoga ya invested wala redeem hoga .
Plz reply.
Sir this video is only saving tax on lumsum investment. pls tell us if invest through sip.
Financial year ki date se year count hoga ya fer jis date pe maine mutual fund me paise invest kiye us date se calculate krna hai 🤔
Dear Sir
Excellent video.
I am always waiting for your new video.
Sir can indexation benefit be taken after 3 year on capital gain
.kly clarify
Regds
Sr citizen
Capital gain kaise dikhega brokerage app pe?
Units pura sell krke wapis se invest krna pdega
Ae karne se Retun km hoy jay gay average value badgaie gi
LTCG se bach gaye par STCG SE Kaisey bacheyy
Tax harvesting is good for 5-7 years, but if considering a longer period with higher amounts it becomes worthless.
take advantage of 1 lakh tax free profits in every FY
Hello, Yadi meri total taxable income is non taxable eventhough LTCG Jo ki 1 lac se Jayda hain to Kya mujah tax pay karna hoga. Total income included is less than taxable income. Scour this informatio is missing.
Best Video 👍
75k profit book or 5lakh 75 k total book karna hai?
Difficult jan-18 nav rate for ltcg tax calculation
LSCG tax kabhi pay karna ho ga, IT return ka time hai
Sir, agr koi government employee mf bechata h to kya uski salary m ye rupye judke usko tax dena padega ya fir sirf long term capital gain hi dena hoga..
ONLY LTCG
Sir 1year before mutual fund reddem korne par 15% tax automatic kat ka bank may paisa ayega or income tax file korna poreyga mera income 2.5 lakh sey kom ho
Can we use sip to swp for tax harvesting
Only profit book krke re invest kese kre uska process batana sir
profist calculate karo manually check karke ki aaj ki date tak kitna deposit kiya hai aut total portfolio value kitni hui hai, aur vo profits redeem kar sakte ho
Mere wife (Housewife - No any income source) ke Zerodha account se ipo ke shares sell kiye uspe muze 4 lack profit hota hai short term capital gain me to muze tax lagega kya or ha to kitna % tax lagega muze
Sabko galat bata rahe ho .Tax harvesting ke liye aapko har saal redeem karna padega bhai. Esa nahi hai ki every year calculate karke .
yes calculate karke redeem karna padega
In case agar profit 80000 hi hai 2 sale ke bad bhi to
Agar yearly basis pe unit sell karke unit buy karenge to next year 10 rs wala unit maybe 12-14 rs ko ho means nav increase rate pe milega and jab nav ka rate Jayda hoga to units kam milega ispar aapne kuch bataya nahi and uska profit margin pe kitna fark padega iska calculation bhi nahi bataya. Tax harvesting to sahi hai par with increased nav and less unit purchased uska calculation bhi batao
@@sunnybunny-z3k Agle din hee buy krlein toh
Every year sell karne pr stcg lagega.
Sip me tax save kaise kare
Sir if We switch to ELSC scheme can We save our tax
Yes elss mutual funds help to save tax
Very nice and useful video ; Thank you
You are welcome
Sir Mera ek sawal tha agr meri 2 alag alag sip chal Rahi hai aur dono pr 1 lakh se Jayda return hai to Jo 1lkh ki choot hai wo dono pr applicable hai ya dono pr 1 ek lakh hi choot milnigi plz reply sir
Bhai tax kaise pay karna padega plz reply bhai
Ek bar 5k compare kare apne excell pe and video banye
theek hai
Only Profit booking kaisa karega, mf sell karna jaisa hai kya, please
Agar ek saal ke andar becha toh 20% STCG Tax lagega woh bhi socho
Pls let me know if any person three fund, after three fund redeem in a FY only one lakh rebate or one lakh rebate per fund
Sir how to check yearly gains? As in most cases it shows only total returns
you can check CAMS online website where they provide capital gains statements
It is already getting invested in next year. Why to remove again and invest again in the same
I didn't understand
In usual SIP it is just purchasing of new units every period. Tax is calculated only when you withdraw money. So the time you withdraw - time you first invested is taken under consideration.
To keep advantage of compounding you need to not lower your units so buy again with the amount you have withdrawn. Your units will be same approximately.
But tax will be calculated again when you have reinvested the amount till withdrawn.
Every year redem Kiya toh short term capital gain lagega
Sell on 367th day
Hi
New video bana do
For capital gain ka liye
Latest video yaha dekho
ua-cam.com/video/yjcVKSYWRpc/v-deo.htmlsi=bGgM-BzjSiS9I67Y
Har sal kyun? Aap teesre saal se kar sakte hona? Kyunki teesra saal
yes jab 1 lakh ke andar hai tab withdraw kar sakte hai
क्या हर साल नया इन्वेस्टमेंट करेंगे तो और कुछ pesa katega
Har saal paise milenge to jyata loss hoga or after three year nikalenge to tex Dene ke baad bhi thoda Kam Paisa jaye ga
Ex
Profit withdrawal karenge aur reinvest karenge to next year ka principle ammount and profit will be changed 😂😂😂
But how will you invest that gain again? Lumpsum investment because In SIP we cannot buy additional units in between.
Yes you can do additional lump sum investment
If our mutual fund don't allow lumpsum then what we have to do ,can we buy any other lumpsum mutual fund of our gain amount to scar tax
Doesn't it effect on compounding bcz we are doing in and out every year.
Same question..
@@harshalpadyar7283it does but will also help in lower deduction of tax
Do this only if you are doing it for 5 years or less than that because in the long term even with tax amount you will earn more
Wrong calculation......u didnt calculate the stcg of deposited money in sip which deposit in last year......and your calculation is correct in that condition when holding period of mf is more than 1 year after deduction of last sip
Calculations are done based on ltcg
❤❤❤❤❤❤❤
Totally false information
If you will do this procedure it will impact your total returns because you are selling units bought on lesser price and buying same for higher price
This will impact long term goals which is the fundamental of mutual funds
BUY AT LESS SELL AT MORE
Calculation galat hai
This government is a termite
Nothing
Would i be able to buy the same fund twice ? fo eg i have 10 laks and i know the profit will be more than 1 lakh so can i split the 5 lakhs in in 2 sections for the same fund ? please answer me.