Finance & Investment · Mutual Funds & SIP
Exit Load Calculator
Check whether a mutual fund redemption attracts an exit load, how much it costs, the amount you'll actually receive, and how many days remain until the units become load-free — so you can decide whether to wait.
Your inputs
Quick start — try a typical case
₹ 2.5 lakh
From the fund's factsheet (Scheme Information Document).
e.g. 365 days for most equity funds; 7 days for some liquid funds.
Your result Live
Exit Load Payable
₹2,500
1% because the units are 263 days old (load applies up to 365 days)
- You'll Receive
- ₹2,47,500
- Units Become Load-free On
- 21 Jan 2027
- Days Left to Wait
- 103 days
- Expected Growth If You Wait (at 12%)
- ₹8,124 — but returns aren't guaranteed
- Load as an Annual Cost
- 1.4% a year on this holding
- You receive · 99%₹2,47,500
- Exit load · 1%₹2,500
With SIPs, every instalment has its own purchase date, so a redemption can include both load-free and load-bearing units (redeemed first-in, first-out) — the SIP Exit Load Calculator works it out instalment by instalment.
How this is calculated
Exit load = Redemption value × Load %, if redeemed within the load period; You receive = Value − Exit load
- Load period
- Days from the purchase date of the units (each SIP instalment separately)
Many funds charge an exit load if you redeem within a set period — commonly 1 % within 365 days for equity funds — to discourage short-term trading. The load is deducted from your redemption value. Because units are redeemed first-in, first-out, the oldest units go first.
Assumptions & sources
- 'Within N days' is counted from the purchase date: redeeming on day N or earlier attracts the load.
- Capital gains tax on the redemption is separate and not included.
- Exit loads are scheme-specific; check the fund's Scheme Information Document for exact terms.
- 1Exit load — Scheme Information Documents and mutual fund regulations — SEBI
- 2Mutual fund investor education (SIP, lumpsum, risk) — AMFI — Association of Mutual Funds in India
Calculator ID FIN-MF-EXITLOAD-001 · version 1.0.0
Common questions
What is a typical exit load?
Equity funds commonly charge 1 % if redeemed within one year. Liquid funds have a small graded load for the first 7 days. Many debt and index funds have none.
Does exit load apply to switches?
Yes — a switch between schemes, or from regular to direct plan, is a redemption and can attract exit load and capital gains tax.
Is exit load charged on SIP units?
Each SIP instalment has its own date, so only units bought within the load period attract the load.