Kuvera Trade Smart – Best App to Invest in Stocks & Mutual Funds

Kuvera Trade Smart

Despite all the progress India has achieved over the past 75 years since gaining its independence, the country still has a relatively low penetration of financial services and products, particularly those that fall under the investment category. The majority of people still identify investing with challenging terminologies, complicated statistics, and complex computations. All of this, however, has changed in recent years thanks to cutting-edge, digital investing platforms.

Finding a reliable platform that gives you the tools and information you need to make the best investment or savings decision is crucial, whether you are a novice investor or a seasoned investor. Kuvera, an investing platform that supports people in making the best choices about investments in mutual funds, equities, fixed deposits, etc., has been at the forefront of financial empowerment.

Kuvera’s History

In 2016, Mr. Gaurav Rastogi, a former portfolio manager at Morgan Stanley and a graduate of the Booth School of Business, USA and Indian Institiute of Technology, Delhi, and Mr. Neelabh Sanyal, a former vice-president of Axis Capital and a graduate of the Indian Institue of Management, Ahmedabad, founded Kuvera (Arevuk Advisory Services Private Limited).

Kuvera – Best Investment App In India

Beginners on the stock market frequently experience information overload that makes it difficult for them to make decisions. Beginners frequently decide to uncritically follow the advice they hear from friends or relatives. Finding a reliable platform that gives novice investors the tools, knowledge, and important data points they need to lead them toward financial freedom is essential.

In essence, Kuvera is a modern stock trading App that simplifies crucial statistics and data points related to investment decisions, getting to the root of the issue by making the investment process easy.

Kuvera Trade Smart

Investing is essential to achieve your financial goals and secure your future. Kuvera uses technology and data analysis to encourage individuals to take action based on their particular financial goals. Through Kuvera’s Trade Smart feature, investors can save more money and get closer to their financial goals.

When you switch or redeem a fund, high short-term capital gains (STCG) taxes can hurt your finances. Find out how much you may securely trade or redeem using Kuvera Trade Smart with the least possible tax implication.

How Capital Gains From Mutual Funds Are Taxed?

The holding duration and the type of mutual fund affect the tax rate on capital gains for mutual funds. The holding period is the length of time an investor holds units of a mutual fund. The holding period, put simply, is the span of time between the date of buying and selling mutual fund units. The following categories apply to capital gains realized on the sale of mutual fund units:

Taxation of Capital Gains Of Equity Funds

Mutual funds classified as equity funds have an equity exposure of at least 65%. When you redeem your equity fund units during a holding period of one year, you realise short-term capital gains. Regardless of your income tax status, these profits are taxed at a flat rate of 15%.

When you sell your equity fund units after holding them for at least a year, you realise long-term capital gains. These capital gains are tax-free up to Rs 1 lakh each year. Any long-term capital gains in excess of this threshold are subject to a 10% LTCG tax, with no benefit of indexation.

Taxation Of Capital Gains Of Debt Funds

Debt funds are mutual funds whose portfolio debt exposure is greater than 65 per cent. You realise short-term capital gains if you redeem your debt fund units within three years. These profits are added to your taxable income and taxed at the rate applicable to your income tax bracket.

When you sell units of a debt fund after holding them for three years, you realise long-term capital gains. After indexation, these profits are taxed at a flat rate of 20%. Additionally, you are charged the relevant tax surcharge and cess.

Taxation Of Capital Gains Of Hybrid Fund

The capital gains tax rate applicable to hybrid and balanced funds depends on the portfolio’s exposure to equities. If the equity exposure reaches 65%, the fund plan is treated as an equity fund; otherwise, it is taxed according to the rules for debt funds.


  • Kuvera Trade Smart displays all fund units that fall outside of the STCG window. For equity, this implies units purchased more than a year ago, and for debt, this means units purchased more than three years ago.
  • Kuvera Trade Smart will show you the actual short term and long term capital gains for your proposed transaction on the transaction page so you can plan better.
  • Kuvera Trade Smart will also show the fund’s exit load. For the vast majority of funds, units outside the STCG window incur no exit loads.


  • Knowing actual short term and long term capital gains for your proposed transaction will help you decide when to redeem your capital gains and earn maximum tax benefits.
  • Exit load refers to the fee that the Asset Management Companies (AMCs) charge investors at the time of exiting or redeeming their fund units so knowing exit load will tell you the actual capital gains after the deduction of exit load.
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