General information only; not financial or tax advice. Laws and lender policies change—verify specifics before acting.
Numbers and thresholds change—confirm for the current FY.
Understand how holding period determines whether gains are short‑term or long‑term, and how equity products differ from debt funds in taxation. Plan redemptions to optimise tax, and keep records of purchase dates/values.
- Use systematic withdrawal/redemption to manage slabs.
- Harvest losses prudently where rules permit set‑off.
- Maintain proof of cost for bonus/splits/mergers.