Tax

Capital Gains Tax Calculator

Capital gains tax in India varies by asset type and holding period. Use this calc to find your exact LTCG/STCG liability across equity, debt MF, gold, property and unlisted shares — updated for FY 2025-26 onwards rates.

Inputs

₹
₹1.0 K₹50.00 Cr
₹
₹1.0 K₹100.00 Cr
mo
1 mo240 mo

Tax breakdown

Long term (LTCG)
Profit / loss₹2,50,000
LTCG exemption (₹1.25L)-₹1,25,000
Taxable gain₹1,25,000
Tax @ 12.5%-₹15,625
Cess (4%)-₹625
Total tax₹16,250
Net after-tax profit
+₹2,33,750
Effective rate: 6.50% of profit

Quick reference (FY 2025-26 onwards)

AssetLTCGSTCGLT period
Equity / EQ MF12.5%*20%12 mo
Debt MFslabslabN/A
Gold12.5%slab24 mo
Property12.5% / 20%slab24 mo
Unlisted shares12.5%slab24 mo

*Equity LTCG above ₹1.25L/year. Property allows old 20%+indexation OR new 12.5% without indexation (taxpayer choice for assets bought before 23 Jul 2024).

FAQs

What is the LTCG rate on equity in India 2026?

12.5% on long-term capital gains above ₹1.25 lakh per financial year. STT-paid equity must be held >12 months to qualify as long term.

How is debt mutual fund taxed?

Post FY 2023-24, all gains on debt MFs are taxed at slab rate (regardless of holding period). The earlier 20% with indexation benefit is gone for new investments.

Property — old indexation vs new flat rate?

For property bought before 23 July 2024, you can choose: (a) old regime with 20% LTCG + indexation, or (b) new 12.5% LTCG without indexation. For property bought after, only 12.5% applies.

What is the holding period for "long term"?

Equity & equity MF: 12 months. All other assets (debt MF, property, gold, unlisted shares): 24 months.

Can I save LTCG on property?

Yes — Section 54 (residential property reinvestment), 54EC (₹50L bonds), 54F (any asset → residential). Also tax-loss harvesting equity LTCG against gains.