indian-mutual-fund-tax
Skill2 starsChanged 6 months agoNo licenceView on GitHub
Use this skill whenever an Indian investor asks about mutual fund taxation, capital gains on MFs, ELSS lock-in, or debt MF tax treatment. Triggers include: 'mutual fund tax', 'equity MF LTCG', 'debt fund tax', 'Section 50AA', 'ELSS lock-in', 'SIP lock-in', 'when can I redeem ELSS', 'hybrid fund taxation', '65% equity threshold', 'arbitrage fund tax', 'gold MF vs gold ETF', 'international FoF tax', 'liquid fund tax', 'short-term capital gains MF', 'long-term capital gains MF', '₹1.25 lakh exemption', 'grandfathered debt MF', 'MF FoF taxation'. CRITICAL: ALSO trigger PROACTIVELY whenever a user mentions buying or holding a debt MF, gold MF, international FoF, or conservative hybrid purchased AFTER 1 April 2023 — these fall into the Section 50AA trap (slab-rate taxation on ALL gains, no LTCG benefit, no indexation). The user usually doesn't know about this and the skill must surface it. Computes: equity LTCG (12.5% above ₹1.25L/year), Section 50AA debt trap detection, ELSS per-SIP lock-in tracking (36 months per installment), hybrid fund classification using 65% equity threshold, grandfathering for pre-April-2023 debt MF units.
We split this skill into the rules it gives an agent
6 rules. About 0 are common, 6 are distinctive, and 0 are very specific to this project.
≈0
Common · estimate
Many files like this have a rule of this kind.
≈6
Distinctive · estimate
This author's own choices. Worth a look.
0
Very specific
Tied to their project's names, files or tools. Probably skip.
No licence file, so all rights are reserved — read it at the source. We count its rules but don't quote them. Read them on GitHub.
≈ “Common” is an estimate: at least 1 in 5 of the 308,232 skill files we read have a rule of the same kind, not the same words. “Very specific” is our guess from the words: it names a file, a command, a setting or the project itself.
In this repository134 other files it gives its agents.
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