Your funds, explained.

Mutual fund portfolio · 5 fund houses

Illustrative

Mutual funds · 5 schemes · Portfolio held

Statement16 Oct

Value

₹20,26,607

NAVs of 16 Oct 2026

Real return

11.76%

a year, XIRR

Gain on what's held

₹6,73,606

on ₹13,53,002 cost

Est. tax if all redeemed

₹79,300

at these NAVs · 30% slab assumed

Equity-oriented 92%Debt 8%

5 schemes worth ₹20,26,607 on 16 Oct 2026: equity-oriented 92%, debt 8%. On what you've put in and taken out, that's about 11.76% a year. ₹10,54,620 is in regular plans, which pay a distributor commission.

Myra's most important observations

Gains booked, FY 2026-27

Estimate

Long-term equity gains (₹48,002 exempt)₹48,002
Tax on them₹0

₹76,998 of the ₹1,25,000 equity exemption is left this year.

If everything were redeemed at these NAVs

Estimate

Long-term equity₹6,14,761
Short-term equity₹31,777
At your slab (30% assumed)₹8,915
Estimated tax, with 4% cess₹79,300

Assumes a 30% slab, no other long-term equity gains this year, no losses to set off, and no surcharge. Not your final tax bill.

Turning long-term in the next 90 days

Scheme	From	Units	Gain now
Sahyadri ELSS Tax Saver Fund	5 Nov 2026	60.507	₹1,394
Tapti Flexi Cap Fund	10 Nov 2026	134.920	₹563
Godavari Mid Cap Fund	1 Dec 2026	847.415	₹18,240
Sahyadri ELSS Tax Saver Fund	5 Dec 2026	59.278	₹1,264
Tapti Flexi Cap Fund	10 Dec 2026	135.145	₹581
Sahyadri ELSS Tax Saver Fund	5 Jan 2027	57.956	₹1,124
Tapti Flexi Cap Fund	10 Jan 2027	135.335	₹596

Exit loads and lock-ins

Tapti Flexi Cap Fund: 1% exit load1,602.545 units · to 10 Oct 2027
Godavari Mid Cap Fund: 1% exit load847.415 units · to 1 Dec 2026
Sahyadri ELSS Tax Saver Fund: ELSS lock-in2,241.345 units · next 5 Nov 2026

Exit loads come from the factsheets you added; without a scheme's factsheet its load isn't known here.

Regular plans

Tapti Flexi Cap Fund · 1.72% vs 0.68%₹7,915 a year
Sahyadri ELSS Tax Saver Fund · 1.95% vs 0.85%₹3,230 a year

Commission printed on the statement: ₹5,090.