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Debt funds ke returns par tax calculation | Capital gains aur dividend tax & indexation

Welcome to ET Money’s Youtube channel and aaj hum aapko batane wale h ki Debt Mutual Funds par taxation kaise lagaya jata hai. Aayiye samajhte hai iss video ko end tak dekhiye taki aap Debt Mutual Funds mein taxation ke baare mein sab kuch jaan paye. Hum iss video me examples ke sath aapko batayege long term capital gains (LTCG), short term capital gains (STCG), dividend distribution tax (DDT) aur wo kaise kaam karta hai. #TaxOnDebtFunds #LTCG #STCG #DivedendDistribtuionTax #Indexation To invest in Direct Plans of top Mutual Funds for free, download the ETMONEY app: https://etmoney.onelink.me/unJQ/5ca1ae3b To watch our video on Tax on Equity Mutual Funds click on the link -    • Equity mutual funds par income tax ca...   taxation on debt mutual funds, tax on debt mutual funds, long term capital gain tax on debt mutual funds, dividend distribution tax on debt mutual funds, long term capital gain tax on debt, ltcg tax on debt, dividend distribution tax, long term capital gain tax, डेट म्यूचुअल फंड पर कर, डेट म्यूचुअल फंड पर लॉन्ग टर्म कैपिटल गेन टैक्स, डेट म्यूचुअल फंड पर डिविडेंड डिस्ट्रीब्यूशन टैक्स, लॉन्ग टर्म कैपिटल गेन टैक्स ---- There are two ways by which Mutual Funds generate returns for you- through Dividends or by Capital gains. Debt funds and Equity funds are taxed differently. Let’s talk about how debt mutual funds are taxed in this video. But before that ... a quick reminder...if you want to watch more videos like these, make sure you click the subscribe button and hit the notification bell! Done? Great! Okay, let us get started! Let us first understand capital gains. Whenever you make a profit by selling your mutual fund investments, it is called Capital gain. Say you invested Rs. 1,00,000 in a mutual fund. At the time of redemption, it grows to Rs.1,50,000. This means that your Capital gain is Rs. 50,000. The current taxation rules divide capital gains into two different buckets, based on the duration in which these were generated — Long term Capital Gains and Short Term capital gains. Short term Capital gain Tax Any gains realized from debt mutual funds are treated as short term capital gains if the investment is sold within 36 months (3 years). These gains are added to your income and tax you pay depends on the income tax slab you fall in. For instance, Sanjeev is in a 30% income tax bracket and invested Rs 2 lakhs in a debt fund. After two years, he took out the money and his redemption value was 2.5 lakhs. Since the fund was held for less than 36 months i.e. 3 years, gains realized will be treated as short term capital gain and he will have to pay as per income tax slab that is 15,000 i.e. 30% of Rs 50,000. Long term Capital gain Tax Gains realized from debt mutual funds investments that are held for more than 36 months fall into this category. The long term capital gain is taxed at 20% after providing the indexation benefits on cost. Indexation helps you to adjust the purchase price in order to reflect the impact of inflation on it. This adjustment increases your purchase price and therefore reduces the gains, which effectively means lower tax. For example, imagine Sanjeev invested Rs 2 lakhs in Debt funds. Suppose Sanjeev stayed invested for more than 3 years, then after 3 years in 2019, he took out the money and his redemption value was Rs.2,50,000. Since he has sold it after 3 years, the gain is long term and a tax of 20% with indexation will apply. Now that we know how Capital gains are taxed in Debt funds, let us checkout Dividends In a Dividend plan, the scheme shares its profits with you Now, the returns you make are tax-free but the scheme has to pay dividend distribution tax. And where does this come from? It comes from the total amount available for distribution as dividends. So it means that the amount you finally get gets reduced because the scheme has to pay taxes. For debt funds, the tax rate is 29.12%- including cess and surcharge. And with that we come to the end of our video on how Debt Mutual Funds are taxed, you can also learn about how Equity Mutual Funds are taxed clicking here. If you are looking to invest and you want to invest in 0% commission Direct Plans from Top Mutual funds for free, click the link below and download the ETMONEY APP! And yes, don’t forget to share this video with your friends!