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What is the tax rate on my investment? - June 2022

Jun-07-2022


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Many of us are unprepared for the tax payouts applicable to our investments and forget to factor them in.   

Here's a ready reckoner to help you estimate your 'post-tax returns' and compare investment options.

 

Tax Rates on Your Investments

 

Tax Type 

Short Term Gains 

Long Term Gains

Equity mutual fund 

Post-tax earnings are added to your income and taxed as per your individual tax slab.

15% + 4% cess

10% + 4% cess (LTCG >1 year)

Debt mutual fund 

Post-tax earnings are added to your income and taxed as per your individual tax slab.

At the tax slab rate of the individual 

20% + 4% cess with indexation (LTCG >3 year)

Equity 

Post-tax earnings are added to your income and taxed as per your individual tax slab.

15% 

10% over and above Rs. 1 lakh without indexation (LTCG >1 year)

Debt Listed

At the tax slab rate of the individual only

For Capital gain- 20% with indexation or 10% without indexation (LTCG >1 year), 


Interest income charged at slab rate

Debt Unlisted

At the tax slab rate of the individual only

For Capital gain- 20% with indexation or 10% without indexation (LTCG >3 year), 


Interest income charged at slab rate

Peer-to-Peer Lending (IndiaP2P)

At the tax slab rate of the individual only

  •  

Crypto currency

Post-tax earnings are added to your income and taxed as per your individual tax slab.

30% tax on sale profits + 1% TDS

  •  

Real estate 

At the tax slab rate of the individual only

20% with indexation (LTCG >3 year)

Fixed deposit account 

At the tax slab rate. 10% TDS on profits exceeding Rs. 40,000

  •  

Savings account 

At the tax slab rate of the individual only

-

Hybrid fund 

Post-tax earnings are added to your income and taxed as per your individual tax slab.

15%+ 4% cess

10%+ 4% cess(LTCG >1 year)

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