विरासत में मिले म्यूचुअल फ़ंड पर टैक्स कैसे लगता है? - समझें आसान शब्दों में

Published on: 25th Mar 2025

विरासत में मिले म्यूचुअल फ़ंड पर टैक्स

[{"selector":"#anim-ca0d52d6-99ee-4eb8-ac4e-e9a6e4c9e4ff","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-6b0e4035-826f-4834-a420-cc296518dff4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] क्या आपने कभी सोचा है कि जब आपको विरासत में म्यूचुअल फ़ंड मिलते हैं, तो उस पर टैक्स कैसे लगता है? आइए, ट्रांसमिशन से जुड़े टैक्स नियमों को समझें!

म्यूचुअल फ़ंड ट्रांसमिशन क्या है?

[{"selector":"#anim-2de583ec-d663-4942-bf7c-61e183742f64","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-afd889dd-6ef0-4b00-a732-1396a2e39324","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] जब किसी निवेशक की मृत्यु के बाद उसके म्यूचुअल फ़ंड यूनिट्स उनके वारिस को मिलती हैं, तो इसे ट्रांसमिशन कहा जाता है. यह एक प्रकार से ट्रांसफर होता है, न कि बिक्री.

क्या तुरंत टैक्स लगता है?

[{"selector":"#anim-eb65877f-7e47-419c-aab0-363c419f594a","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-fdf45ea9-511d-44fd-b439-ed18e79b729c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] म्यूचुअल फ़ंड यूनिट्स ट्रांसफर होने पर तत्काल टैक्स नहीं लगता. यानी, जब आप म्यूचुअल फ़ंड प्राप्त करते हैं, तो आपको कोई टैक्स पे करने की जरूरत नहीं होती.

कैपिटल गेन्स की कैलकुलेशन कैसे होती है?

[{"selector":"#anim-bfc0e27c-4828-4d75-a5b8-b8cca1852c34","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-9ebd4974-7ade-45fd-817b-448f3dd47f7d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] कैपिटल गेन्स की कैलकुलेशन मृतक निवेशक की ख़रीद की तारीख़ और ख़रीद मूल्य के आधार पर की जाती है. यानि, ट्रांसफर की तारीख़ नहीं, बल्कि मूल ख़रीद की तारीख़ को देखा जाता है.

इक्विटी म्यूचुअल फ़ंड पर टैक्स

[{"selector":"#anim-7389f11e-7502-4706-a22b-3a70fb1b8b47","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-731c69cc-eaf7-4eaa-a8b1-c08551631b5c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] अगर आप इक्विटी म्यूचुअल फ़ंड बेचते हैं, तो इस पर कैपिटल गेन्स टैक्स लगेगा. – ₹1.25 लाख तक का फ़ायदा टैक्स फ्री है. – ₹1.25 लाख से ऊपर के लाभ पर 12.5% LTCG टैक्स लगेगा (एक साल से ज़्यादा होल्डिंग पीरियड).

शॉर्ट टर्म कैपिटल गेन्स (STCG)

[{"selector":"#anim-34cdc27d-1fd7-4ac8-b876-d45012320924","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-7a410a8b-3490-4456-9f8c-ce2179676e53","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] अगर आपने एक साल के अंदर म्यूचुअल फ़ंड यूनिट बेची, तो इस पर 20% टैक्स लगेगा. यह शॉर्ट टर्म कैपिटल गेन्स (STCG) कहलाता है.

डेट म्यूचुअल फ़ंड पर टैक्स

[{"selector":"#anim-a0f944a6-9097-4d99-a346-c14967577885","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-79e46acc-8738-4bfa-8afb-fb6e82b69bf0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] डेट म्यूचुअल फ़ंड्स में भी अलग-अलग नियम होते हैं. – 1 अप्रैल 2023 से पहले निवेश पर 2 साल बाद 12.5% टैक्स लगेगा. – 1 अप्रैल 2023 के बाद किए गए निवेश पर, लाभ को आय में जोड़कर टैक्स लगेगा.

विरासत में मिली यूनिट्स पर टैक्स का उदाहरण

[{"selector":"#anim-65c54ecc-16a7-4388-9e64-1eb8596dc07d","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-f2c99e26-f476-4344-9039-e7106291fed7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] मान लीजिए, 1 जनवरी 2019 को ₹5 लाख में इक्विटी म्यूचुअल फ़ंड ख़रीदी गईं. मृत्यु के बाद, इन यूनिट्स को ₹12 लाख में बेचा गया. तो इस पर टैक्स कैसे लगेगा?

कैसे कैलकुलेट होता है टैक्स?

[{"selector":"#anim-e6ba16a9-1bca-4c6e-ac59-91be86e7bc73","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-5c39a475-70c6-47b3-8aea-ea2b4e7dc780","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] – ₹12 लाख - ₹5 लाख = ₹7 लाख का कैपिटल गेन – पहले ₹1.25 लाख टैक्स फ्री – बाकी ₹5.75 लाख पर 12.5% टैक्स = ₹71,875 टैक्स देनदारी

ध्यान दें!

[{"selector":"#anim-00f9b4b6-6180-42a3-aed1-b46d5e4ce45d","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-31dec4ab-da86-4caf-a526-bdc7c8bf79b9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] – ₹12 लाख - ₹5 लाख = ₹7 लाख का कैपिटल गेन – पहले ₹1.25 लाख टैक्स फ्री – बाकी ₹5.75 लाख पर 12.5% टैक्स = ₹71,875 टैक्स देनदारी

Disclaimer:

[{"selector":"#anim-dd9de397-91d7-4dd2-b4af-65f1250be34b","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-2d652aa6-4304-4b66-9934-3428462587a6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ये निवेश की सलाह नहीं बल्कि जानकारी के लिए है. अपने निवेश से पहले अच्छी तरह से रिसर्च करें.

अधिक जानने के लिए नीचे दिए गए लिंक पर क्लिक करें

[{"selector":"#anim-4c13e543-1093-4011-88f3-e11849616b91","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e3b84b9e-12da-436b-9b05-1680624b87f7","keyframes":{"transform":["translate3d(-125.51724%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ea95ecaa-81ed-4359-a9f1-717aad02f751","keyframes":{"opacity":[0,1]},"delay":200,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-05b24302-a384-49b4-b33d-eeb6ca25f26c","keyframes":{"transform":["translate3d(-125.51724%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":200,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7f3da6d1-5dc2-44d1-a637-b533c611283a","keyframes":{"opacity":[0,1]},"delay":300,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5779946e-d9d6-4205-8f49-e18792f81388","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-79662ac2-0d9d-48fb-92b0-2fdd58fd29d1","keyframes":{"transform":["translate3d(-194.52735%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3aa558d6-aefc-43b0-8b6e-64f1ba8d1e10","keyframes":{"opacity":[0,1]},"delay":600,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6580890b-0c67-4ea4-9fd3-c2c595b370ff","keyframes":{"transform":["translate3d(-125.51724%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-420fb21f-b310-4437-8bef-091a91da2fba","keyframes":{"opacity":[0,1]},"delay":800,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-373a0c6e-9234-479f-9599-9de08adcde08","keyframes":{"transform":["translate3d(-125.51724%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9d75ffe4-1c43-4fad-b270-036314d80576","keyframes":{"opacity":[0,1]},"delay":900,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-079bc5dd-ed4e-4c09-92ed-fb288ad148b1","keyframes":{"opacity":[0,1]},"delay":1000,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c238f6ec-ec55-4934-b690-4b931f971f44","keyframes":{"transform":["translate3d(-194.52735%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] बेस्ट म्यूचुअल फ़ंड्स

विरासत में मिले म्यूचुअल फ़ंड पर टैक्स कैसे लगता है? - समझें आसान शब्दों में