Calculate LTCG & STCG for Equity, Mutual Funds, Debt & Real Estate in India
Our Capital Gains Tax Calculator helps you compute tax on profits from selling assets like shares, mutual funds, property, and other investments as per Indian Income Tax Act.
| Asset Type | Short Term | Long Term | STCG Rate | LTCG Rate |
|---|---|---|---|---|
| Equity / Equity MF | ≤ 12 months | > 12 months | 15% (Sec 111A) | 10% above ₹1L (Sec 112A) |
| Debt / Non-Equity MF | ≤ 36 months | > 36 months | Slab rate | 20% with indexation |
| Real Estate | ≤ 24 months | > 24 months | Slab rate | 20% with indexation |
What is the ₹1 lakh exemption for equity LTCG?
Long-term capital gains from equity shares and equity-oriented mutual funds up to ₹1 lakh per financial year are exempt from tax. Gains above ₹1 lakh are taxed at 10% without indexation benefit.
What is grandfathering in equity LTCG?
For equity shares/MFs acquired before 31 January 2018, the cost of acquisition is taken as the higher of (a) actual purchase price or (b) Fair Market Value (FMV) as on 31 Jan 2018. This provision protects investors from taxing notional gains.
Can I save tax on capital gains from property?
Yes. Under Section 54, you can claim exemption by reinvesting LTCG from residential property into another residential property. Under Section 54EC, you can invest in specified bonds (NHAI, REC) within 6 months to save tax.
What is indexation benefit?
Indexation adjusts the purchase price for inflation using Cost Inflation Index (CII) published by the government. It reduces taxable gains for long-term assets like debt funds, real estate, and gold.
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