कितना टैक्स देना पड़ता है Mutual Funds बेचने पर?

कितना टैक्स देना पड़ता है Mutual Funds बेचने पर?

Aiye is post main dekhte hain kee app ap jab mutual fund investment bechate hai ,to aapko kitna tax padega | ham is post main jaanenge equity aur debt mutual funds ki taxation ke baare main |


Taxation of Equity Mutual Funds (Equity म्यूच्यूअल फण्ड बेचने पर टैक्स):

friends,ap kitna tax denge yah nirbhar korta hain kee ap apne mutual fund units ko kitna samay tak hold kiay hain,equity mutual funds ke upor 2 tara ki tax lagu hoti hain….

Short Term Capital Gains Tax on Sale of Equity Funds: 

 agar aap apne mutual funds unit ko 1 yr pahale bech dete hain,aur jo munaapha hote hain us munaapha ko   short term capital gain mana jayega.is short term capital gain por apko 15 % tax(kar) dena hoga.
Example: example k lia mante hain kee apne 1 january 2017 ko 1 lakh rs ka nnivesh kiya ek equity fund main aur apne saare units ko 30 november,2017 ko 1lakh 20 hazar rs main bech die  too apko 20 hazaar rs ka munaapha hua |
ap apne units  ko 1 sal pahale bech dia ,yah munaapha short term capital mana jaega aur is munaapha por 15 % taxdena padega.

            tax=total profit*15%
                  =20,000*15%
                   =3,000rs

Long Term Capital Gains Tax on Sale of Equity Funds:
 agar aap apne mutual fund  units ko 1 yr ke bad bech dete hain aur apko jo munapha hota hian, to us munapha ko long term capital gain mana jaega | aur dosto equity mutual fund bechne por jo long term capital gain hota hain,vah fy 2018 tak tax free hai, lakin dhyan dene bali bat  a hain ki fy2019 (1 aprail 2018) se baad bechane par jo long tarm chapital gain hoga, us par aapako 10% tax dena hoga|

example: man lijia apne 1 feb 2018 main 1 lakh rs kisi mutual fund main invest kori or 1 sal baad  2 feb 2019 main apne sare units 1 lakh 20 rs main bech diya.apko eha por 20 hazaar rs munaphha hua.kyonki aapane apane units 1 saal ke baad beche rahe ho, yah munaapha long tairm chapital gain maana jaega aur aapako is munaaphe par 10%  tax dena hoga|{a tax apko 1 lakh se adhik munapha por e dena hoga } ehape to only 20 hazar munapha hua hai isle ehapor apko kuch v tax dene ki jorurat nahi hain..ap man lijia ki agar munapha 1 yr ke bad 1lakh 20 hazar hota to ltcg tax lagta.
                  ltcg tax=(munaphha -1lakh)*10%
                              =(1 lakh 20 hazaar- 1 lakh)*10%
                               =20,000*10%
                                =2,000 rs

Taxation of Debt Mutual Funds (Debt म्यूच्यूअल फण्ड बेचने पर टैक्स): 

Eha bhi tax equity mutual fund ki tarha  apke holding period ke upor nirvhar korta hain …..

Short Term Capital Gains Tax on Sale of Debt Mutual Funds:
 dosto ehape short term period hain 3 yrs.agar ap apne units ko 3 years ke pahale bech dete hain to aur apko jo munaapha hote hain us munapha ko short term capital gain mana jayega.is short term capital gain por apko apne tax bracket (slab Rate) ke anusar tax dena hoga.
example:man lijia apne kisi ek debd mutual fund main 1st january 2015 main 1 lakh rs invest kia.or 2 years k bad  1st january 2017 main  apne sare units ko 1 lakh 40 hazaar main bech diya.man lijia ap 30 % tax bracket main ate hain.aapako 40 hazaar rupaye ka munaapha hua| kyonki aapane apane units 3 saal se pahale hee bech die, yah munaapha short tairm chapital gain maana jaega aur aapako is munaaphe par 30% (aapake tax bracket) tax dena padega
   
    STCG TAX ON DEBD FUND=Munaapha*Tax slab
                                                      =40,000*30%
                                                      =12,000rs 

Long Term Capital Gains Tax on Sale of Debt Mutual Funds:
agar ap apne units ko 3 sal tok hold korte ho aur uske bad kavi bhi bech te  hain to usme hua munaapha ko long term capital gain tax mana jaega.debt mutual fund bechane par long term chapital gain kee ganana (calculate ) karane ka tareeka alag hota hai| 
     ehapor apko indexation benefit milta hain..iska matlab sorkar apke investment  main jo badat(munapha)  inflation ke bajese huye hain us e tax nahi korti.us por tax ka chut milte hain.

income tax department ek  cost inflation index bana kor rakhta hain.
 Example:man lijia apne 1 january,2010 ko  1 lakh rs kisi debt mutual fund main nivesh kia hain.apne sare units november ,2015 ko 1 lakh 70 rs main bech dia.man lijia ap 30 % tax bracket main ate hain.
apko 70 hazaar ka munaapha hua hain.parantu aha por long term capital gain tax calculate korne ka tarika alag hain.apne kharida FY2011 main aur becha FY2016 main

cost index for FY2011:711
cost Index For FY 2016:1081
आपकी investment के खरीदने के price को इस के हिसाब से बढ़ाया जाएगा|
calculate korne ke lia ab apka cost hogi=1 lakh*1081/711
                                                                = 1.52 lakh
        so,long term capital gain =1.7lakh-1.52 lakh
                                                 =18,000 rs
 is munaapha por ako 20 % tax dena hoga.
  LTCG TAX ON Debt Mutual Funds=18,000*20%
                                                            =3,600rs
   

Dividends पर कितना टैक्स देना होता है?

dosto ab bat korte hain dividents por taxation kaisa hota hain.equity mutual fund ya debd mutual fund por jo divident milta hain us por apko tax nahi dena hota .parantu mutual fund company ko apko divident batne ne se pahale  divident distribution tax dena porta hain .aur a apke paise sai ata hain. Budget 2018 ke anusar FY 2018 tak equity mutual fund se  milne bale divident por kohi DDT nahi lage ga aur FY2019 se milne bale divident por 10 % DDT lage ga.
परन्तु Debt Mutual Funds में 25% DDT होता है



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यह ध्यान रखें

 job tak ap mutual fund nahi bechte ,tab tak apke upor kohi tax liability nahi ate.

dosto a post kaisa laga niche comment korke jorur
bataye.

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