Tax‑Adjusted Yield Calculator

Calculate your real post-tax returns on bond investments. Compare with FD rates and understand the tax impact on your bond income.

Bond & Tax Details

Enter your bond details and income information

Interest Income Taxation

Interest income from bonds is taxed as "Income from Other Sources" at your applicable slab rate, regardless of your tax regime.

Key Point:

Unlike equity where dividends can be tax-free, bond interest is always fully taxable at your marginal tax rate. This significantly impacts your real returns.

Capital Gains on Bonds

Capital gains taxation depends on bond type and holding period:

Listed bonds: LTCG (held >12 months) at 12.5%
Unlisted bonds: LTCG (held >36 months) at 20% with indexation
Short-term gains: Taxed at your applicable slab rate

This calculator focuses on interest income. Capital gains are calculated at sale.

Disclaimer: This calculator provides estimates based on current tax laws. Actual tax liability may vary based on your complete income profile, deductions, and applicable cess. Please consult a tax advisor for personalized advice.