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What will you actually owe on that sale?

Capital gains tax depends on what you sold, how long you held it, and which of two very different rate structures applies. Get a real estimate in seconds.

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Before you calculate

Capital gains rules changed significantly in 2024

Since 23 July 2024, capital gains tax follows a simplified two-bucket system: listed securities (equity shares, equity mutual funds) held over 12 months are long-term; almost everything else (property, gold, unlisted shares, debt funds) needs to be held over 24 months to qualify as long-term. The tax rates and exemptions differ meaningfully between the two.

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Asset type

Holding period

Sale value (₹)

Purchase / cost value (₹)

Estimated capital gains tax

₹ 84,375

Capital gain₹ 8,00,000

Exemption applied₹ 1,25,000

Rate applied12.5% (LTCG, after ₹1,25,000 exemption)

Net proceeds after tax₹ 19,15,625

Illustrative estimate for FY 2025-26 — property acquired before 23 July 2024 may qualify for an alternate 20% rate with indexation if that works out lower; debt mutual funds are taxed at slab rate regardless of holding period under Section 50AA. Book a consultation to confirm which rule applies to your sale.

In plain language

Why equity and everything else are treated so differently

Listed equity & equity mutual funds

12+ months held = long-term, taxed at 12.5% after a ₹1,25,000 annual exemption. Under 12 months = short-term, taxed flat at 20%.

Everything else — property, gold, unlisted shares

24+ months held = long-term, taxed at 12.5% without indexation (with a grandfathered indexation option for property bought before 23 July 2024). Under 24 months = taxed at your income slab rate.

Debt mutual funds are the exception

Units bought on or after 1 April 2023 are always taxed at your slab rate as short-term gains, regardless of how long you actually held them.

Questions

Frequently asked

01I bought my property before July 2024 — do the new rules still apply?

You get a choice: pay 12.5% without indexation, or 20% with indexation (adjusting your purchase price for inflation) — whichever works out lower. This grandfathering only applies to land and buildings, and only for resident individuals and HUFs.

02Does the ₹1,25,000 exemption apply every year?

Yes — it's an annual exemption on long-term capital gains from listed equity and equity mutual funds combined, not a one-time allowance.

03What about gains on debt mutual funds?

Units bought on or after 1 April 2023 are taxed at your income slab rate as short-term gains, no matter how long you've held them, under Section 50AA.

04Can I offset a capital loss against a capital gain?

In many cases yes, though the rules differ for short-term versus long-term losses and which gains they can be set off against. Worth reviewing with us before you file.

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Where to go next

Tax Planning & Advisory

Structure a sale, reinvestment, or portfolio exit to minimize capital gains tax, legally.

OngoingExplore Service

ITR-2 Return Filing

For individuals with capital gains, multiple properties, or foreign income.

5–7 daysExplore Service

Real Estate Investors & Developers

Property-specific guidance on indexation, exemptions, and TDS on sale.

GuideExplore Service

Learn more

Vol. 01Capital Gains on Property Sale: Indexation and Exemptions ExplainedHow the grandfathered indexation option works for property bought before July 2024.Guide01 / 03 Vol. 02Debt Mutual Funds and the Section 50AA RuleWhy holding period no longer matters for most debt fund gains.Guide02 / 03 Vol. 03Section 54 vs 54F: Which Exemption Applies to YouHow reinvesting your sale proceeds into property can reduce or eliminate capital gains tax.Guide03 / 03

Selected · Vol. 02

Debt Mutual Funds and the Section 50AA Rule — Why holding period no longer matters for most debt fund gains.

Read article

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What will you actually owe on that sale?

Capital gains rules changed significantly in 2024

Estimate tax on your sale

Why equity and everything else are treated so differently

Listed equity & equity mutual funds

Everything else — property, gold, unlisted shares

Debt mutual funds are the exception

Frequently asked

Where to go next

Tax Planning & Advisory

ITR-2 Return Filing

Real Estate Investors & Developers

Related articles

Let's figure out exactly what your situation needs.

Thank you — we've received your details.

What will you actually owe on that sale?

Capital gains rules changed significantly in 2024

Estimate tax on your sale

Why equity and everything else are treated so differently

Listed equity & equity mutual funds

Everything else — property, gold, unlisted shares

Debt mutual funds are the exception

Frequently asked

Where to go next

Tax Planning & Advisory

ITR-2 Return Filing

Real Estate Investors & Developers

Related articles

Let's figure out exactly what your situation needs.

Thank you — we've received your details.