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

April 4, 2023

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)