College for MeeraJune 2035
₹6 L of ₹20 L
On track: ₹21 L by June 2035
Hard rules
Rules your family sets, checked before you break them
Write down the limits your family agreed on, like the ₹1,25,000 LTCG exemption. Kosh warns before a change breaks one, and checks them each month.
Goal
Payments
- Home loan EMIMonthly on the 5th₹45,000
- SIP, college fundMonthly on the 7th₹10,000
- Health premiumYearly, 30 Oct₹36,000
Track the LTCG exemption limit
Set the ₹1,25,000 LTCG exemption for the financial year as a rule. Kosh warns before a change takes you past it.
LTCG rule
₹1,25,000
Exemption limit for this financial year
Financial rules for your family
Rules are the lines your family does not want to cross. Kosh keeps them in one place for every Member.
- Keep at least 6 months of Runway
- Never stop Meera’s college SIP
- Stay within the LTCG exemption for the year
Warned before, checked every month
Kosh warns when a change you try would break a rule. Each month it checks every rule again and flags any that fail.
Runway rule
6 months
Stopping the SWP would leave 4.5
Questions
Hard rules: questions
What is the LTCG exemption limit on equity mutual funds?
Long-term capital gains on listed equity and equity mutual funds are exempt up to ₹1,25,000 in a financial year. Set it as a Hard rule in Kosh to be warned before a change crosses it.
Can Kosh stop a change that breaks a rule?
No. Kosh warns and you decide. Nothing changes until a Member makes the change.
What kinds of rules can I set?
Limits such as the yearly LTCG exemption, a minimum emergency Runway, or a rule that a set SIP is never stopped.
How often does Kosh check the rules?
Before any change that would break one, and once every month.