TL;DR: Use our SBI Contra Fund Calculator suite above to instantly project your SIP returns, reverse-calculate your financial goals, and estimate capital gains tax under the Union Budget 2024-25 rules (applicable FY 2025-26).
What is the SBI Contra Fund Investment Strategy?
The SBI Contra Fund is an actively managed equity mutual fund that follows a contrarian investing philosophy. Rather than following market momentum, the fund manager actively purchases fundamentally strong stocks that are temporarily out of favor or undervalued by the broader market. This strategy provides excellent downside protection during market bubbles and delivers long-term wealth creation.
How is SBI Contra Fund Taxed in FY 2025-26?
As an equity-oriented mutual fund, the SBI Contra Fund is subject to the latest capital gains tax rules implemented by the Indian Government:
- Exit Load Structure: Unlike standard funds, SBI Contra charges 0.25% if redeemed within 30 days, 0.10% between 30-90 days, and Nil exit load after 90 days.
- Short Term Capital Gains (STCG): If units are redeemed within 1 year of investment, a flat 20% tax is applied to the profits.
- Long Term Capital Gains (LTCG): If units are held for more than 1 year, the first тВ╣1,25,000 of profit in a financial year is completely tax-free. Any profit exceeding this limit is taxed at 12.5%.
Why Use This Calculator Hub Instead of Excel?
Our all-in-one suite removes the complexity of spreadsheet formulas. Whether you need to run an XIRR Step-Up SIP calculation, plan for a specific тВ╣2 Crore retirement goal, or calculate your precise post-tax net maturity value, our tool processes the math instantly using the fund's historical compounding data.