Mutual Fund Tax Explained | Long-Term vs Short-Term Capital Gains

Mutual fund tax is one of the most misunderstood parts of investing, and many investors realise it only after booking profits.

In Moneywise Season 2 Episode 22, Virat and Rachita explain tax on mutual funds in India in simple language, helping you understand how mutual fund taxation actually works.

In this episode, you’ll learn:
 • How mutual fund capital gains tax applies to equity mutual funds
 • The difference between short-term and long-term capital gains tax on mutual funds
 • Why the 1-year holding period matters for equity mutual fund tax
 • How debt mutual fund taxation rules changed after April 2023
 • What tax-loss harvesting in mutual funds means and when it can reduce tax
 • Why tax should be a factor, not the deciding factor, in investment decisions

If you’ve searched for mutual fund tax explained, tax on mutual funds, long-term vs short-term capital gains, or how mutual fund tax works in India, this episode breaks it down clearly.

This video is for investor education only. Tax laws discussed are as per current regulations and are subject to change.

What is Moneywise?

Most financial advice still sounds like it’s stuck in a textbook. Moneywise flips that.

This podcast brings together a Millennial and a Gen Z voice for honest, jargon-free conversations on all things personal finance, from your salary and SIPs to your insecurities about not having “figured it out” yet.

Each month, we focus on one financial topic and unpack it through a series of short, weekly, engaging episodes. It’s a podcast that meets you where you are and helps you move forward, one episode at a time.
Continuing the tradition of initiatives and campaigns that motivate, guide, and educate Indians about financial wisdom and wealth creation, we bring you MoneyWise - a podcast series that connects with investors and simplifies the important aspects of investment.

We reached out to the average Indian investor through our successful short films like Bachat Nivesh Badhat, One Idiot, and Return of One Idiot to educate the public about the importance of savings and long-term investments for financial growth and security. Our landmark campaigns like #DateyRaho and #PaisonKoRokoMat have educated millions successfully about the power of investing.

MoneyWise is about how the average Indian can create wealth in his/her life. Our podcasts simplify tried-and-tested investment wisdom and opportunities for wealth creation in Indian financial markets. This will answer your questions on how you can utilize this information to create your own wealth.