Mutual funds withdrawal penalties | CA Kapil Kumar | Finance with Hreso | Hindi

Mutual funds withdrawal penalties | CA Kapil Kumar | Finance with Hreso | Hindi


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💰 Thinking of investing in SIPs? Here’s a quick guide on early withdrawals! 💸

Emergencies can happen, and sometimes you may need to access your SIP funds sooner than planned. But the good news is, you won’t face any heavy penalties!

👉 Withdraw Before 1 Year: You’ll only have to pay a 1% exit load on the entire amount and a 20% tax on the profits made (deducted later from your returns, not upfront). For example, if your investment grows from ₹50,000 to ₹70,000, your profit is ₹20,000. Here, 1% of the total amount will be charged as an exit load, and 20% tax on gains will apply later on the profit portion.

👉 Withdraw After 1 Year: There’s no exit load, and the tax on profits drops to 12.5%, making it much lighter on your returns!

Remember, SIPs are flexible to support you when life takes an unexpected turn! 🚀 Long-term holding reaps more rewards, but early access has its benefits, too!


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