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NRI Mutual Fund Withdrawal as Resident: Tax Implications?

Nitin

Nitin Narkhede  |60 Answers  |Ask -

MF, PF Expert - Answered on Sep 16, 2024

Nitin Narkhede, founder of the Prosperity Lifestyle Hub, is a certified financial advisor with eight years of experience in helping clients design and implement comprehensive financial life plans.
As a mentor, Nitin has trained over 1,000 individuals, many of whom have seen remarkable financial transformations.
Nitin holds various certifications including the Association Of Mutual Funds in India (AMFI), the Insurance Regulatory and Development Authority and accreditations from several insurance and mutual fund aggregators.
He is a mechanical engineer from the J T Mahajan College, Jalgaon, with 34 years of experience of working with MNCs like Skoda Auto India, Volkswagen India and ThyssenKrupp Electrical Steel India.... more
rudolf Question by rudolf on Sep 15, 2024Hindi
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Thank you, Nitin. I’m still a bit unclear. For the sake of discussion, let’s assume my mutual funds have grown to ?1 crore while I was an NRI. After I’ve completed all formalities with the bank and fund houses and become a resident, if I start withdrawing Rs. 40k per month through an SWP, will I be taxed as an NRI or as a resident? Could you kindly confirm on this?

Ans: Hello Rudolf,
Thank you for your follow-up question. Once you have completed the formalities with your bank and mutual fund houses and officially changed your status from NRI to resident, your tax liability will be as per the Indian tax laws applicable to residents.
In your example, if your mutual funds have grown to ?1 crore while you were an NRI, and you start withdrawing ?40,000 per month through a Systematic Withdrawal Plan (SWP) after becoming a resident, you will be taxed as a **resident**
In conclusion, after you become a resident, your withdrawals will be taxed as per the rules applicable to resident Indians, not as an NRI.
Hope this clears up your doubts!

Best regards,
Nitin
Asked on - Sep 16, 2024 | Answered on Sep 17, 2024
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Thank you so much nitin, much appreciated your response
Ans: you are welcome
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Mihir

Mihir Tanna  | Answer  |Ask -

Tax Expert - Answered on Nov 17, 2022

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I am staying in India from around 4 years and working as a consultant in a Mexican Company (previously I was residing there, but now working from India) and getting income from Mexico. I am also paying tax on my abroad income I am getting in my NRO/ NRE account with Axis Bank. I want to know if I am an NRI or Resident Indian? Whether, I can open Mutual Fund account with NRI status or Resident India status? What will be the tax implications? Please guide me as I am not getting proper explanation.
Ans: Based on available details, you seem to be resident and ordinary resident for income tax purpose.

You can always check status at calculator provided at income tax website (external link)

Accordingly, you should inform bank about change in residential status immediately and change the type of account (NRO/NRE Account).

Also you have to open account as resident for MF and tax implications will arise at the time of transfer of mutual fund units. Tax rate will depend on type of fund (equity based or debt based) and period of holding.

Mutual funds whose portfolio’s equity exposure exceeds 65% are equity funds.

Equity funds held for 12 months or more are considered as long term, whereas it is 36 months in case of debt funds.

Short term equity funds are taxed at 15% and debt funds are taxed at slab rate.

Long term equity funds are taxed at 10% (if capital gains of exceeds Rs 1 lakh) and debt funds are taxed at 20% after indexation.

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Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2024

Asked by Anonymous - Jun 17, 2024Hindi
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Sir, I am a software employee currently earning 25L per annuam i have started invested in mutual funds, invested around 15L lumpsum in different funds such as 4.5L debt 10.5L in Equity (3.5L Large, 3L Midcap, 2L Smallcap, 2L Flexicap) if I have STP of 20K per month from ICICI Debt fund to ICICI Bluechip, and another STP from ICICI Bluechip to ICICI Debt fund, will I be able to overcome or avoid tax when I withdraw my money to buy a house after 15 years of 2 crores? assume if the gains are less than 1 lakh per annum will it apply to other fund manager as well as I have invested in different funds as well like ICICI, TATA, SBI?
Ans: Firstly, it’s impressive to see your well-structured investment approach. You’ve diversified your mutual funds across debt and equity, which is excellent for managing risk and optimizing returns. Investing Rs 15 lakhs with a mix of Rs 4.5 lakhs in debt and Rs 10.5 lakhs in various equity funds shows thoughtful planning. Your Systematic Transfer Plan (STP) strategy indicates a keen interest in maximizing returns while managing risks.

You asked about the tax implications and the effectiveness of your STP strategy for your goal of buying a house worth Rs 2 crores in 15 years. Let's break this down into manageable sections.

Systematic Transfer Plan (STP) Strategy
How STP Works
An STP allows you to transfer a fixed amount from one mutual fund to another at regular intervals. This is often used to move funds from a debt fund to an equity fund or vice versa. The primary benefits include:

Rupee Cost Averaging: Helps mitigate market volatility by averaging the purchase cost over time.
Regular Income Stream: Useful for systematic withdrawals in retirement.
Tax Efficiency: Potential to manage capital gains taxation more effectively.
Your Current STP Setup
You have set up an STP of Rs 20,000 per month from an ICICI Debt Fund to an ICICI Bluechip Fund and another STP from ICICI Bluechip Fund to ICICI Debt Fund. This strategy suggests a dynamic approach to managing your investments, aiming to balance risk and return.

Tax Implications
Capital Gains Tax on Mutual Funds
Equity Funds: Long-term capital gains (LTCG) on equity funds are taxed at 10% if the gains exceed Rs 1 lakh per annum. Short-term capital gains (STCG) are taxed at 15%.

Debt Funds: Long-term gains (after 3 years) are taxed at 20% with indexation benefits. Short-term gains are added to your income and taxed as per your slab rate.

Using STP for Tax Efficiency
Your strategy to transfer funds between debt and equity aims to minimize tax liabilities. Here's how:

Minimize Large Lump Sum Withdrawals: By transferring smaller amounts periodically, you can ensure that any capital gains realized in a financial year stay below the Rs 1 lakh threshold, thus avoiding LTCG tax on equity funds.
Utilize STCG/LTCG Efficiently: Regular transfers can help manage the timing of gains, potentially using annual exemptions effectively.
Applicability to Other Funds
The tax principles apply universally across all mutual fund schemes, irrespective of the fund house (ICICI, TATA, SBI, etc.). However, the effectiveness of your strategy can vary based on individual fund performance and market conditions.

Building a Rs 2 Crore Corpus
Assessing Your Current Portfolio
Equity Investments: Rs 10.5 lakhs divided into large-cap (Rs 3.5 lakhs), mid-cap (Rs 3 lakhs), small-cap (Rs 2 lakhs), and flexi-cap (Rs 2 lakhs). Equity investments typically offer higher returns over the long term but come with higher volatility.
Debt Investments: Rs 4.5 lakhs in debt funds provide stability and lower but more predictable returns.
Growth Potential
Given the long-term horizon of 15 years, your equity investments are likely to experience substantial growth, thanks to the power of compounding. However, market fluctuations can impact short-term returns, so it's important to stay invested and not react to market volatility.

Power of Compounding
Compounding is a powerful tool in wealth creation. Reinvesting earnings leads to exponential growth over time. The longer the investment period, the more pronounced the effects of compounding, especially in equity funds. Staying invested for 15 years allows your money to grow significantly.

Rebalancing and Monitoring
Importance of Rebalancing
Rebalancing your portfolio periodically ensures that your asset allocation remains aligned with your financial goals and risk tolerance. Over time, market movements can shift your original allocation, potentially increasing risk.

When to Rebalance
Consider rebalancing:

Annually: Review your portfolio once a year to ensure it aligns with your goals.
Market Movements: Significant market movements can alter your asset allocation.
Life Events: Changes in financial goals or life circumstances might necessitate rebalancing.
Monitoring Performance
Regularly review the performance of your mutual funds. Assess if they are meeting your expectations and adjust your strategy if necessary. It’s essential to stay informed and proactive in managing your investments.

Mutual Fund Categories and Benefits
Equity Mutual Funds
Equity funds invest in stocks and aim for high returns. They are suitable for long-term goals due to their growth potential.

Large-cap Funds: Invest in well-established companies. Lower risk compared to mid and small-cap funds.
Mid-cap Funds: Invest in medium-sized companies. Higher growth potential but also higher risk.
Small-cap Funds: Invest in smaller companies. Highest growth potential but also the highest risk.
Flexi-cap Funds: Invest across different market capitalizations. Offer diversification and flexibility.
Debt Mutual Funds
Debt funds invest in fixed-income securities like bonds and government securities. They offer stability and regular income.

Liquid Funds: Invest in short-term instruments. Suitable for emergency funds.
Short-term and Long-term Debt Funds: Based on the duration of investment, offering predictable returns.
Hybrid Mutual Funds
Hybrid funds invest in both equity and debt instruments, offering a balanced approach. They aim to provide growth potential along with stability.

Advantages of Mutual Funds
Professional Management: Managed by experienced fund managers who make investment decisions on your behalf.
Diversification: Reduces risk by investing in a wide range of securities.
Liquidity: Easy to buy and sell, providing flexibility.
Systematic Investment and Withdrawal Plans: Offers the flexibility to invest or withdraw regularly.
Risks of Mutual Funds
Market Risk: Equity funds are subject to market volatility.
Interest Rate Risk: Debt funds are affected by changes in interest rates.
Credit Risk: Risk of default in debt instruments.
Disadvantages of Index and Direct Funds
Index Funds
Passive Management: Follow a benchmark index. May not outperform the market.
Lack of Flexibility: Cannot take advantage of market opportunities.
Lower Returns: Actively managed funds can outperform index funds during volatile markets.
Direct Funds
Requires Expertise: Need significant market knowledge and constant monitoring.
Time-Consuming: Managing direct investments can be time-consuming.
Higher Risk: Without professional guidance, the risk of making poor investment choices increases.
Final Insights
Your STP strategy from debt to equity and vice versa is thoughtful. It aims to manage risk, optimize returns, and minimize tax liabilities. To achieve your goal of buying a Rs 2 crore house in 15 years, consider the following:

Stay Invested: Long-term investment in equity funds can yield substantial growth due to compounding.
Monitor and Rebalance: Regularly review and rebalance your portfolio to stay aligned with your goals.
Utilize Tax Efficiency: Use STPs effectively to manage capital gains and tax liabilities.
Seek Professional Guidance: A Certified Financial Planner can provide personalized advice and help you navigate your investment journey.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 27, 2024

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Hello Sir, Am 75 years old retired person. Am planning to invest in SWP,say ?.100.lakhs, but bit confused on tax treatment. Am planning to withdraw ?.50000/-per month and do not want to alter it. If this discipline is followed,how the tax treatment will be? Will appreciate if you can send me a table illustrating the appreciation for say next five years, assuming prevailing market scenario. Thanks. Vinod B.
Ans: Systematic Withdrawal Plan (SWP) is an excellent choice for disciplined monthly income. Your planned withdrawal of Rs. 50,000 monthly from a corpus of Rs. 100 lakhs offers a stable cash flow. However, understanding the tax implications and projecting growth is crucial.

How SWP Works
Principal and Returns Split: Each withdrawal comprises a portion of your principal and accumulated returns.

Impact on Corpus: The corpus reduces over time unless returns exceed withdrawals.

Flexibility: SWP offers flexibility to adjust withdrawals, but you have chosen discipline, which is commendable.

Tax Treatment for SWP
Equity Mutual Funds
Withdrawals from equity mutual funds are taxed as capital gains.

Gains from investments held for over 1 year are long-term capital gains (LTCG).

LTCG above Rs. 1.25 lakhs is taxed at 12.5%.

Gains from investments held for less than 1 year are short-term capital gains (STCG).

STCG is taxed at 20%.

Debt Mutual Funds
Gains from debt mutual funds are taxed differently.

Short-term gains (investments held for less than 3 years) are taxed as per your income tax slab.

Long-term gains (held for over 3 years) are taxed at 20% with indexation benefits.

Tax Implications on SWP
The tax is levied only on the capital gain portion of the withdrawal.

Withdrawals from principal are not taxed.

Market Assumptions for Illustration
Annual return for equity funds: 10%.

Annual return for debt funds: 6%.

Monthly withdrawal: Rs. 50,000 (Rs. 6,00,000 annually).

SWP Illustration for Next 5 Years

Assuming a 10% annual return on equity mutual funds and 6% return on debt mutual funds, let’s look at the expected corpus growth over the next five years.

In the case of equity-oriented investments, your Rs. 100 lakh corpus would grow significantly. After the first year, assuming an average return of 10%, the corpus would be around Rs. 1.03 crore, despite the Rs. 6 lakh annual withdrawal. In the second year, the corpus would further grow to approximately Rs. 1.07 crore, and by the end of five years, your corpus could reach Rs. 1.20 crore.

For debt-oriented investments, the returns are typically lower. At a 6% return, the corpus would reduce slightly due to the withdrawals. By the end of the first year, your corpus would be approximately Rs. 99.64 lakh. In the second year, the corpus would be around Rs. 98 lakh, and by the end of five years, it could reduce to about Rs. 97 lakh.

Final Insights
With SWP, the key benefit is predictable and regular income, which is ideal for a retired person. However, you need to consider the tax implications on the capital gain portion of your withdrawals. Given the low growth from debt funds, I would recommend an equity-focused strategy to generate better returns over the long term, especially since you are still young enough to take on some market volatility. While equity funds may carry short-term risk, they generally offer better growth over time, which would ensure that your corpus continues to grow while meeting your monthly requirements.

Finally, I would suggest discussing your specific tax liability and withdrawal strategy with a Certified Financial Planner, as they can help optimize your strategy for your retirement goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ans: Hello Govinda.
Thanks for sharing the important information with us and our readers.

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Nayagam P

Nayagam P P  |4086 Answers  |Ask -

Career Counsellor - Answered on Feb 02, 2025

Asked by Anonymous - Feb 02, 2025Hindi
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Sir I am a student of class 12.I am a JEE aspirant.I wish to study abroad if I cannot get a cs seat in a good iit, but I missed all the deadlines ( I got this idea recently).Is it ok to wait for a year and upgrade my skills to study at ucl in case I don't get into iit?
Ans: Have You Checked Your JEE (Main) Score? What’s Next?

By now, you have appeared for JEE (Main). Have you checked the answer key and assessed your score? Understanding where you stand will give you a clearer idea of your performance in JEE (Advanced).

Exploring Other Options:
IIT is not the only pathway to a great career in Computer Science. You can also consider other entrance exams or explore studying abroad.

Considering a Gap Year for Studying Abroad:

If you’re aiming for top universities like UCL but missed application deadlines, taking a gap year can be a strategic move. It allows you to:

1. Strengthen your academic profile (SAT/ACT, TOEFL/IELTS, subject tests)
2. Gain experience through internships, research, and open-source contributions
3. Improve your programming skills and competitive coding performance
4. Apply for better scholarships and multiple global universities

Challenges & How to Overcome Them:
A gap year requires discipline and planning. Challenges include:
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