Your Lots & Cash Need
Enter your lots below — the planner shows one illustrative tax-efficient order to raise the cash.
Suggested Redemption Order
This order redeems long-term equity first to use the ₹1.25 L LTCG exemption (tax-free) and the lower 12.5% rate, before moving to short-term lots taxed at the higher 20% rate. It is one illustrative tax-efficient order — not a recommendation.
AI Insights
DhanRadar AILong-term equity gains up to ₹1.25 L each financial year are tax-free. Redeeming those lots first often means you raise the cash you need with little or no tax — the planner tries that order automatically.
Short-term equity gains are taxed at 20% — nearly double the 12.5% long-term rate. If you can wait a few months for a short-term lot to cross 12 months, the tax saving can be meaningful. This illustration shows the order; timing is your call.
For education only — an illustration of one tax-efficient redemption order, NOT a recommendation or advice. An estimate at FY 2025-26 rates; surcharge and other income are not modelled. Consult a qualified professional before redeeming.
Related Calculators
Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.