Professional-Grade Tool
Asset Allocation Rebalancer
Quantify your portfolio drift, see rupee-level rebalancing actions, and the tax-efficient sequence.
Current Holdings
Enter the current market value of each asset class.
Active + index + ELSS
Liquid, short, corporate, gilt
Bank FD, SCSS, bonds
Current market value
Savings + liquid fund
Target Allocation
Pick a risk profile or customise sliders.
Growth + stability
Tax Settings
Used to estimate tax on sells.
LTCG 12.5% on gains above ₹1.25L/yr
Portfolio Drift
5.6% max
Moderate drift. Consider tax-efficient rebalancing.
Rebalance Size
on ₹33.0L portfolio
Rebalancing Actions
| Asset | Current ₹ | Current % | Target % | Target ₹ | Gap ₹ | Action |
|---|---|---|---|---|---|---|
| Equity | ₹20.00 L | 60.6% | 55% | ₹18.15 L | -₹1.85 L | SELL |
| Debt | ₹10.00 L | 30.3% | 30% | ₹9.90 L | -₹10K | HOLD |
| Gold | ₹2.00 L | 6.1% | 10% | ₹3.30 L | +₹1.30 L | BUY |
| Real Estate | ₹0 | 0.0% | 0% | ₹0 | +₹0 | HOLD |
| Cash | ₹1.00 L | 3.0% | 5% | ₹1.65 L | +₹65K | BUY |
| Total | ₹33.00 L | 100% | 100% | ₹33.00 L |
Current vs Target Allocation
Current
Target
Tax Impact of Selling
Estimate assumes ~30% unrealised gains on sold amount. Actual tax depends on your cost basis.
Est. gains ₹56K · LTCG 12.5% on gains > ₹1.25L exempt
Tax-Efficient Alternative
Redirect your next 12 months of SIP contributions to Gold + Cash instead of selling Equity. You reach target allocation over 12 months with zero capital-gains event — saving approximately ₹0 in taxes.
Monthly redirect required ≈ ₹16K. Combine with annual bonus or top-up.
Tax-Efficient Rebalancing Sequence
- 1Redirect NEW SIP contributions to underweight assets first — zero tax, zero churn.
- 2Use fresh lumpsum (bonus, maturities, salary increments) to top up underweight buckets.
- 3If selling, sell equity holdings held > 1 year first to use the ₹1.25L LTCG exemption.
- 4Next, trim any loss-making positions — loss harvesting offsets other gains.
- 5Sell debt mutual funds only if absolutely required (taxed at your slab post-Budget 2023).
- 6Never sell SGBs before maturity — capital gains at 8-year maturity are fully tax-free.
Expert Insights
CFP Note from Ram Shah, CFPCM
Rebalance when drift exceeds 5% OR annually on a fixed date — whichever comes first. The tax-efficient sequence is: redirect new contributions > harvest losses > sell low-LTCG holdings > sell high-CGT positions last. Never sell SGBs before maturity. Speak to your Relationship Manager for a personalised rebalancing calendar.
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Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. Tax estimates use a ~30% gain proxy and current-year rules (LTCG 12.5% on equity above ₹1.25L, debt MF at slab post Budget 2023). Actual tax depends on your cost basis, holding period and aggregate capital gains. This tool is educational and does not constitute tax or investment advice. Consult your CA or SEBI-registered advisor for personalised guidance.
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