Calculate STCG & LTCG tax on your investments
* LTCG equity exemption โน1.25 lakh per year. Property LTCG: choose indexation (20%) or no-indexation (12.5%).
Selling an investment feels good โ until tax season arrives and you realise a chunk of that profit was never really yours. Capital gains tax catches a lot of people off guard, mainly because it works very differently depending on what you sold and how long you held it. This calculator sorts that out before the sale, not after.
Capital gains in India are split into two buckets โ STCG and LTCG. The bucket your profit falls into depends on how long you held the asset, and the rates are meaningfully different.
The first โน1.25 lakh of long-term equity gains in a financial year is completely tax-free. This exemption resets every April 1 โ so spreading redemptions across two financial years lets you use the exemption twice. A simple but effective strategy that's perfectly legal.
Property gains calculation involves indexation โ adjusting your purchase price for inflation using the Cost Inflation Index (CII). Budget 2024 gave sellers a choice: apply indexation and pay 20%, or skip indexation and pay 12.5%. For properties purchased many years ago, indexation usually wins.
Capital losses can be set off against capital gains โ short-term losses against short-term or long-term gains, long-term losses only against long-term gains. Losses can be carried forward for 8 years. Once you know your capital gains tax, the full picture comes together through our income tax calculator.
Yes. ELSS funds have a 3-year lock-in, so all redemptions qualify as LTCG. Gains above โน1.25 lakh are taxed at 12.5%. The tax-saving benefit of ELSS is on the investment side (80C deduction) โ the redemption is taxable like any other equity fund.
Physical gold and gold ETFs held for more than 2 years are LTCG, taxed at 20% with indexation or 12.5% without. Sovereign Gold Bonds held until maturity are completely exempt from capital gains tax.
Yes. Section 54 allows exemption on LTCG from property sale if you reinvest in another residential property within specified timelines. Section 54EC allows reinvestment in specified bonds (NHAI, REC) up to โน50 lakh.
NRIs pay the same capital gains tax rates on Indian assets. However, TDS is deducted at higher rates on the full sale proceeds in many cases โ they then claim refund while filing ITR.