Tax Intelligence

FY 2025-26 (Assessment Year 2026-27) · Budget 2025-26 rates · Estimates only — consult your CA

Unrealized LTCG

₹21,92,908

7 holdings

Unrealized STCG

₹2,92,993

2 holdings

Tax if Redeemed Today

₹3,99,793

Incl. 4% cess

LTCG Exemption Benefit

₹16,250

₹1,25,000 exempt @ 12.5%

Holdings with Tax Classification

Each holding classified by holding period, asset type, and applicable tax regime

HoldingInvestedCurrentGainPeriodClassificationTax Rate

SBI Bluechip Fund₹46,48,285₹58,06,866+₹11,58,5813.2YLTCG12.5%

Axis LTEF₹20,91,055₹25,87,068+₹4,96,0134.1YLTCG12.5%

HDFC Balanced₹15,86,970₹19,45,584+₹3,58,6142.8YLTCG12.5%

ICICI Nifty Next 50₹8,24,490₹10,93,483+₹2,68,9930.8YSTCG20%

Reliance Industries₹2,85,000₹3,42,000+₹57,0001.5YLTCG12.5%

HDFC Bank₹2,43,000₹2,67,000+₹24,0000.7YSTCG20%

Infosys₹1,54,500₹1,89,000+₹34,5002.1YLTCG12.5%

TCS₹1,71,000₹2,05,200+₹34,2001.3YLTCG12.5%

SBI Magnum Gilt₹24,96,000₹27,11,800+₹2,15,8001.5YSlab Rate31.2%

PPF₹18,45,000₹18,45,000Exempt—EEE0%

SGB 2024-25₹1,20,000₹1,74,000+₹54,0001.2YLTCG (SGB)12.5%

Tax Harvesting Simulator

Toggle holdings to simulate redemption and see real-time tax impact

HoldingCurrent ValueUnrealized GainClassificationSimulate

SBI Bluechip Fund₹58,06,866+₹11,58,581LTCG @ 12.5%

Axis LTEF₹25,87,068+₹4,96,013LTCG @ 12.5%

HDFC Balanced₹19,45,584+₹3,58,614LTCG @ 12.5%

ICICI Nifty Next 50₹10,93,483+₹2,68,993STCG @ 20%

Reliance Industries₹3,42,000+₹57,000LTCG @ 12.5%

HDFC Bank₹2,67,000+₹24,000STCG @ 20%

Infosys₹1,89,000+₹34,500LTCG @ 12.5%

TCS₹2,05,200+₹34,200LTCG @ 12.5%

SBI Magnum Gilt₹27,11,800+₹2,15,800Slab Rate @ 31.2%

\u2014

PPFTax Free₹18,45,000ExemptEEE @ 0%

SGB 2024-25₹1,74,000+₹54,000LTCG (SGB) @ 12.5%

Toggle holdings above to simulate your tax liability before rebalancing. The calculation updates in real time.

Tax Harvesting Opportunity

Redeem Axis LTEF before April 15

Gain to book

₹4,96,013

LTCG applicable

₹4,96,013(partially covered by ₹1,25,000 exemption if not used)

Estimated tax

~₹46,376(after proportional exemption allocation)

Reinvestment

Kotak Equity Opp Fundmaintain exposure, reset cost basis

Net tax saved vs. waiting: ₹31,200

By booking this gain in FY 2025-26 and using the ₹1,25,000 exemption now, you split gains across two financial years and reduce total tax outflow.

Your RM Priya has flagged this opportunity

Tax Calendar

Key dates for FY 2026-27 advance tax and compliance

Advance Tax — Q1 Installment (15% of estimate)

April 15, 2026

14 days away

Advance Tax — Q2 Installment (45% cumulative)

June 15, 2026

75 days away

Advance Tax — Q3 Installment (75% cumulative)

September 15, 2026

167 days away

Advance Tax — Q4 Installment (100% cumulative)

December 15, 2026

258 days away

End of FY 2026-27

March 31, 2027

364 days away

Tax rates as per Union Budget 2025-26. LTCG exemption of ₹1,25,000 per FY applies to equity and equity-oriented MFs. Debt MFs purchased after 1 April 2023 are taxed at slab rate (no indexation). SGB held to maturity: LTCG exempt. SGB sold before maturity: 12.5% LTCG after 12 months. PPF is Exempt-Exempt-Exempt. Surcharge not included (assumed income < ₹2Cr for base calculation). 4% Health & Education Cess applied on all tax. Grandfathering applies to equity held before 1 Feb 2018. This is not tax advice — consult your chartered accountant.