Exit Load Calculator — Fund Jaldi Bechne Par Kitna Kat Jaata Hai
Exit load wo choti si rakam hai jo fund house tab kaatta hai jab aap tay samay se pehle paisa nikaal lete hain. Aam taur par equity fund me 365 din ke andar 1%. Sunne me chhota lagta hai, par ye aapki aaj ki poori value par lagta hai — lagayi hui rakam par nahi.
Neeche apni rakam, NAV aur din daaliye. Exit load, capital gain tax aur haath me aane wali asli rakam — teeno alag-alag dikh jayengi.
Exit load kis rakam par lagta hai — yahi asli galti hai
Zyadatar log samajhte hain ki 1% exit load unki lagayi hui rakam par lagega. Aisa nahi hai. Ye redemption ke din ki value par lagta hai, yaani aapke units guna aaj ka NAV.
| Cheez | Rakam |
|---|---|
| Aapne lagaya | ₹2,00,000 |
| Aaj ki value | ₹2,33,628 |
| 1% exit load kis par | 2,33,628 par, 2,00,000 par nahi |
| Kata | ₹2,336 |
Faayda jitna bada hoga, exit load bhi utna bada hoga. Yahi wajah hai ki achhe chalte fund ko jaldi bechna dohri maar hai — load bhi zyada aur chhoti avadhi ka tax bhi zyada.
SIP me har kisht ki apni ginti chalti hai
Ye baat sabse zyada logon ko der se pata chalti hai. SIP me exit load poore portfolio par ek saath nahi lagta. Har kisht ka apna alag din se ginti wala kaal hota hai.
Maan lijiye aapki SIP 18 mahine chali. Pehli 6 kisht ke 365 din poore ho chuke hain, baaki 12 ke nahi. Aaj poora paisa nikaalne par pehli 6 kisht par koi load nahi, par baaki 12 par lagega. Fund house pehle purani units nikaalta hai — jo pehle aayi, wo pehle jaati hai.
| Kisht | Umar | Exit load |
|---|---|---|
| 1 se 6 | 365 din se zyada | Nahi |
| 7 se 12 | 6 se 12 mahine | Haan, 1% |
| 13 se 18 | 6 mahine se kam | Haan, 1% |
Iska ek seedha faayda hai. Agar poora paisa ek saath nahi chahiye, to sirf utne units bechiye jinki avadhi poori ho chuki hai. Zyadatar apps me redemption ke waqt ye jaankari dikhti hai — bechne se pehle wo screen dhyaan se padh lena hazaaron bacha deta hai.
Kis fund me kitna exit load hota hai
Ye har fund ki apni scheme jaankari me likha hota hai aur badalta rehta hai. Neeche jo chal raha hai uska aam dhaancha hai — nivesh se pehle apne fund ka page zaroor dekh lijiye.
| Fund ka prakaar | Aam exit load | Avadhi |
|---|---|---|
| Equity aur hybrid | 1% | 365 din tak, kai me 90 ya 180 din |
| ELSS | Nahi | 3 saal ka lock pehle se hai |
| Liquid fund | Ghatti hui, bahut chhoti | Pehle 7 din |
| Overnight fund | Nahi | — |
| Index fund aur ETF | Aksar nahi ya bahut kam | Fund par nirbhar |
Ek baat dhyaan me rakhiye — exit load na hona fund ke achha hone ka saboot nahi hai. Liquid aur overnight fund me ye isliye nahi hota kyunki wo bahut chhote samay ke liye bane hi hain. Equity me ye jaan-boojh kar rakha jaata hai taaki log har utaar-chadhaav par paisa na nikaalein.
Exit load ke saath jo chhote kharch chhup jaate hain
Statement me sirf exit load dikhta hai, par bechte waqt do-teen aur cheezein kaam kar rahi hoti hain.
- STT — equity fund bechne par ek bahut chhoti dar se lagta hai. Rakam mamooli hoti hai, par lagti hai.
- Stamp duty — kharidte waqt lagti hai, bechte waqt nahi.
- Expense ratio — ye roz NAV me se kat chuka hota hai. Aapko alag se kabhi nahi dikhta.
- Capital gain tax — sabse bada hissa, aur ye fund house nahi kaatta. Ise aapko khud ITR me bharna hota hai.
Isi wajah se "1% exit load hi to hai" wali soch mehngi padti hai. 200 din purane equity nivesh par 1% load aur uske upar chhoti avadhi ka tax milkar faayde ka ek bada hissa le jaate hain. Ek-do mahina ruk jaana kai baar seedha munaafa hota hai.
Bechne se pehle ye teen sawaal khud se poochh lijiye
Faisla number se nahi, wajah se hona chahiye. Ye teen sawaal kaafi hain.
- Paisa kab chahiye? Agle 2-3 mahine me nahi chahiye to rukna aksar sasta padta hai — sirf avadhi poori hone se load zero ho jaata hai.
- Kitne din bache hain? 365 din me se 340 nikal chuke hain to 25 din ka intezaar load aur ooncha tax dono bacha sakta hai.
- Poora bechna hai ya thoda? Zaroorat 50,000 ki hai to poora 2 lakh bechne ka koi tuk nahi.
Apne nivesh ka asli return dekhna ho to XIRR Calculator me tarikh aur rakam daal kar dekhiye — kai baar bechne ka mann wahi number dekhkar badal jaata hai.
Aksar pooche jaane wale sawaal
Exit load lagayi hui rakam par lagta hai ya aaj ki value par?
Aaj ki value par, yaani units guna aaj ka NAV. Isi wajah se faayda bada hone par exit load bhi bada banta hai.
SIP me exit load kaise lagta hai?
Har kisht ki apni ginti chalti hai. Jin kisht ke din poore ho chuke hain un par load nahi lagta, baaki par lagta hai. Fund house pehle purani units nikaalta hai.
Kya exit load ke baad tax me kuch chhoot milti hai?
Capital gain ka hisaab redemption se milne wali rakam par banta hai. Exit load alag kharch hai aur ye ITR me alag se koi chhoot nahi banata.
ELSS me exit load kyun nahi hota?
Kyunki usme 3 saal ka lock pehle se hai. Us avadhi me paisa nikaala hi nahi ja sakta, isliye alag se load rakhne ki zaroorat nahi rehti.
Apne fund ka exit load kahan dekhein?
Fund ki scheme jaankari me aur AMC ki website par. App me redemption karte waqt bhi ye dikhta hai. Ye niyam badalte rehte hain, isliye har baar dekh lena behtar hai.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: