Add each purchase date and units, then enter what you want to redeem. This mutual fund exit load calculator applies FIFO, the same method AMCs use, so units held long enough redeem free even if newer units do not.
Mutual Fund Exit Load Calculator
Handles a lump sum or several SIP instalments, each with its own exit-load clock.
Redemption follows FIFO: the oldest units are redeemed first, so part of your redemption can be free even if the rest is not.
Which units carry the load
| Purchase date | Units redeemed from this lot | Days held | Exit load applies |
|---|
Illustrative estimate. Exit load is credited back to the scheme, not kept by the AMC. Confirm the scheme’s own exit load and period before redeeming.
Redeem a mutual fund you have added to over two years, and not all your units carry the same exit load. Units bought early enough are free, while the ones you added last quarter may not be. A mutual fund exit load calculator applies FIFO, the same method fund houses use, instead of charging the load on everything at once.
How do you use this mutual fund exit load calculator in 3 steps?
- Add each purchase, its date and the units bought, using Add another purchase for every SIP instalment or lump sum.
- Enter the units you want to redeem, the redemption date and the current NAV.
- Enter the scheme’s exit load percentage and period, then read the exit load, the redemption value and the net amount.
The Stock Charcha mutual fund exit load calculator shows exactly which purchases are free and which are not, instead of a single flat percentage applied to everything.
How does the mutual fund exit load calculator apply FIFO?
FIFO means first in, first out. When you redeem units, the oldest units in your folio are treated as sold first, before any newer ones.
Exit load = Units within the load period × NAV × Exit load %
The calculator sorts your purchases by date, then works through them oldest first until it has covered the units you want to redeem. Each purchase either falls fully inside the exit load period or fully outside it, based on its own number of days held.
What does a worked example look like?
Take six quarterly purchases of a fund over roughly two years, redeeming all 525 units with a 1% load within 365 days, at a NAV of ₹130. These figures are illustrative.
| Purchase date | Units | Days held | Exit load applies |
|---|---|---|---|
| 5 Jan 2025 | 100 | 633 | No |
| 5 Apr 2025 | 95 | 543 | No |
| 5 Jul 2025 | 90 | 452 | No |
| 5 Oct 2025 | 85 | 360 | Yes |
| 5 Jan 2026 | 80 | 268 | Yes |
| 5 Apr 2026 | 75 | 178 | Yes |
285 of the 525 units redeem free, and 240 carry the load. The mutual fund exit load calculator shows an exit load of ₹312 on a ₹68,250 redemption, leaving a net of ₹67,938, far less than treating the whole redemption as loaded.
What if you only redeem part of your holding?
FIFO still applies, so a partial redemption draws from the oldest units first. Redeem just 150 of the 100-unit and 75-unit purchases above, for example, and the first 100 units come from the oldest lot, free of any load, with only the remaining 50 from the newest lot, which is loaded.
This is useful before a redemption: if you only need part of your money, redeeming an amount equal to your oldest, already-free units can avoid the exit load entirely, something a flat-percentage calculator cannot show you. Stock Charcha built this one specifically to expose that ordering.
What is a typical exit load, and has it changed recently?
Most open-ended equity funds charge around 1% if redeemed within 365 days, and nothing after. Debt and liquid funds often use a shorter period, sometimes a graded load over just a few days. SEBI’s mutual fund regulations, effective from April 2026, cut the maximum exit load any fund can charge from 5% to 3%.
The exact load and period are set by each scheme, not by law, so check the fund’s own scheme information document or AMFI before you redeem. The SEBI website has the current regulatory cap.
What does this mutual fund exit load calculator leave out?
It does not include capital gains tax on the redemption, which our share capital gains tax calculator is built for equity shares, so check the Income Tax Department website for the mutual fund rules that apply to your scheme type. Exit load is also credited back to the scheme itself, not kept by the fund house, as a benefit to remaining investors.
This is an estimate, not advice to redeem or hold. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Where should you go after using the mutual fund exit load calculator?
For the tax on an equity redemption, use the share capital gains tax calculator. If you invested through a SIP, the SIP calculator and SIP stoppage impact calculator cover the investing side.
The Mutual Funds section of the Charcha Knowledge Hub has more. Run the Stock Charcha mutual fund exit load calculator before a redemption, so the FIFO order works in your favour rather than catching you by surprise.
Related calculators
- Share capital gains tax calculator
- SIP calculator
- SIP stoppage impact calculator
- Expense ratio impact calculator
Last updated: 3 October 2026. Exit load cap checked on 3 October 2026 (SEBI mutual fund regulations effective April 2026). Scheme-specific loads and periods vary and should be checked against the scheme document.
Founder of Stock Charcha. Stock market enthusiast, actively investing since November 2022. About the author
Educational content only. This page is not personalised financial advice, and nothing here is a recommendation to buy, hold or redeem any scheme. Please do your own research or speak to a SEBI-registered adviser, and read our disclaimer.
Frequently asked questions
Does exit load apply to every mutual fund?
No. Many funds, especially some direct and index funds, charge no exit load at all. Where a load does apply, enter it into the mutual fund exit load calculator: usually a small percentage charged only if you redeem within a set period, most commonly 365 days for equity funds.
Who receives the exit load I pay?
It goes back into the scheme itself, not to the fund house or your distributor, as a protection for investors who stay invested. SEBI requires this treatment, so an exit load is not a profit centre for the AMC.
Does SIP redemption use FIFO for each instalment separately?
Yes. Every SIP instalment is treated as its own purchase with its own date, so FIFO applies across all of them when you redeem. Older instalments can redeem free while newer ones within the scheme’s exit load period still attract it.
Can I avoid exit load by timing my redemption?
Sometimes. If part of your holding is already past the exit load period, redeeming only that portion, oldest units first under FIFO, can avoid the load on that part. Waiting a little longer can also move newer units past the period.
Is exit load the same as the expense ratio?
No. Expense ratio is an ongoing yearly charge deducted from the fund’s NAV regardless of when you redeem, while exit load, which the Stock Charcha mutual fund exit load calculator covers, is a one-time charge only if you sell within the scheme’s period.