Is the load charged on my profit?

No, on the whole redemption value. That is why it hurts most when the gain is small relative to the amount invested.

Investmentmutual fundsIndia only

Exit Load Calculator

Exit load on a redemption, and what waiting out the window would save. The load applies to the whole redemption value, not to the gain, which is why it bites hardest on a large investment with a small return.

Also called: mutual fund exit load, redemption charge.

Exit load

₹2,500

₹2,500 in exit load, leaving ₹2,47,500. Waiting 165 more days removes the load entirely.

You receive

₹2,47,500

Days until the load lapses

165

Cost of not waiting

₹2,500

On the timing

Waiting 165 more days removes the load entirely.

How this is calculated

Method and background

This is what the calculation gives for the numbers you entered. It is an estimate, not advice, and it knows nothing about your situation beyond those numbers. Rules for India change on a published schedule; the effective date is shown on every rule-based tool.

How this is calculated

The load is a percentage of the redemption value applied when you sell inside the stated window. It is charged on the full value rather than the profit, so redeeming ten lakh with a small gain still costs one percent of ten lakh. Where the redemption sits close to the window end, waiting is usually the cheapest decision available.

the load applies only inside the stated window

V: Value redeemed
d: Days held

Worked examples

Each of these is asserted on every build. If a change to the engine ever moved one of these answers, the build would fail before the page could print it.

redeeming inside the window

Value being redeemed: ₹2,50,000
Exit load: 1%
Days held: 200
Load applies within: 365

Exit load₹2,500

1% of 2,50,000

Open this example

past the window costs nothing

Value being redeemed: ₹2,50,000
Exit load: 1%
Days held: 400
Load applies within: 365

Exit load₹0

boundary

Open this example

no window means no load

Value being redeemed: ₹2,50,000
Exit load: 1%
Days held: 1
Load applies within: 0

Exit load₹0

degenerate case

Open this example

Method and limits

What it assumes

A single flat load rate inside the window.

What it deliberately does not model

Tiered loads that step down over time need each tier checking separately.
Capital gains tax is separate and often larger than the load.

Formula version 1.0.0 · definition 1.0.0 · India · Report a problem with this calculator

Frequently asked questions

Is the load charged on my profit?: No, on the whole redemption value. That is why it hurts most when the gain is small relative to the amount invested.