Mutual Fund Calculator
Calculate mutual fund returns for SIP and lumpsum investments. Includes exit load, LTCG tax estimation & category-wise returns.
Frequently Asked Questions
What is a mutual fund?
A mutual fund pools money from many investors to invest in stocks, bonds, or other assets. Professional fund managers manage the portfolio on behalf of investors.
What is exit load?
Exit load is a fee charged by mutual funds when you redeem units before a specified period, typically 1% if redeemed within 1 year for equity funds.
How are mutual fund returns taxed?
Equity funds: STCG 20% (<12 months), LTCG 12.5% above ₹1.25L (>12 months). Debt funds (post Apr 2023): taxed at your income tax slab rate.
SIP or lumpsum — which is better?
SIP reduces market timing risk and is ideal for regular income earners. Lumpsum works well when markets are undervalued or you have a windfall.
What are the types of mutual funds?
Equity (stocks, ~12% return), Debt (bonds, ~7%), Hybrid (mix, ~9%), and ELSS (tax-saving equity, ~14%). Each has different risk-return profiles.