Rashmi Singh & Co.

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Real Estate

For Real Estate Investors & Developers

Property transactions, every implication covered.

Capital gains on a sale, GST on an under-construction purchase, or rental income across multiple properties — real estate tax has more moving parts than people expect.

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Built for

Individuals selling investment propertyLandlords with multiple rental unitsBuyers of under-construction propertyReal estate developers & builders

We see this every year

The problems that actually trip up property transactions

Every property transaction has a tax angle — these are the ones people usually don't see coming.

Capital gains calculation on sale

Indexation benefits and exemption eligibility can significantly change what you actually owe on a property sale.

GST on under-construction purchases

GST applies differently to under-construction versus ready-to-move property, and buyers are often unclear on the rate.

TDS on transactions above ₹50 lakh

Buyers are required to deduct TDS on property purchases above this threshold — a step that's often missed until it causes a problem.

Rental income across multiple properties

Income from several rental units needs to be clubbed and reported correctly, along with applicable deductions.

Section 54/54F exemption eligibility

Reinvesting sale proceeds into another property can exempt capital gains — but only if specific conditions and timelines are met.

Developer GST & compliance

Ongoing construction projects carry their own GST and compliance obligations that differ from a one-time property sale.

Not sure which of these apply to you? Book a consultation and we'll walk through your specific situation.

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Where property clients usually start

Tax Planning & Advisory

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

OngoingView Service

GST Registration

Registration and compliance for developers and builders on ongoing projects.

5–7 daysView Service

Government Certificates

Income and other certificates often required as part of property transactions.

3–5 daysView Service

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See your estimated tax in seconds

A quick estimate to get you started — for a precise number tailored to your situation, book a consultation

Tax regime

Annual income (₹)

₹

₹0₹25L₹50L+

Estimated tax payable

₹ 97,500

Effective rate 6.5% · new regime on ₹15,00,000

Taxable income₹ 14,25,000

Tax as per slabs₹ 93,750

Health & education cess (4%)+₹ 3,750

The New Regime saves you ₹ 1,59,900 compared to the Old Regime.

Illustrative estimate for FY 2025-26 — assumes salaried income eligible for the standard deduction, and includes the Section 87A rebate and 4% cess. Surcharge is applied at a flat rate without its own marginal relief. Does not account for other deductions or individual circumstances. Book a consultation for an exact figure.

Learn more

Related resources

Vol. 01Capital Gains on Property Sale: Indexation and Exemptions ExplainedHow indexation works and which exemptions actually apply.Guide01 / 03 Vol. 02GST on Under-Construction Property: What Buyers Should KnowWhy the rate differs from ready-to-move property, and what it means for your purchase.Guide02 / 03 Vol. 03Section 54 vs 54F: Which Exemption Applies to YouThe difference between the two, and the conditions each one requires.Guide03 / 03

Selected · Vol. 02

GST on Under-Construction Property: What Buyers Should Know — Why the rate differs from ready-to-move property, and what it means for your purchase.

Read article

Questions

Frequently asked

01I'm selling a property I've owned for over 10 years — how is the gain calculated?

Long-term capital gains benefit from indexation, which adjusts the purchase price for inflation and reduces your taxable gain. We calculate this precisely rather than estimating.

02Do I need to deduct TDS when buying a property above ₹50 lakh?

Yes — this is a buyer's obligation, not the seller's, and it's often missed. We can guide you through deducting and depositing it correctly.

03I have three rental properties — how does that affect my return?

Rental income from all properties needs to be clubbed together and reported, with deductions like municipal taxes and the standard deduction applied per property. We handle the full computation.

04Can I avoid capital gains tax by buying another property?

Potentially, under Section 54 or 54F, but there are specific timelines and conditions — including how many properties you already own. We'll check whether you qualify before you commit to anything.

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Let's figure out exactly what your situation needs.

Book a consultation and we'll walk through it together — clear next steps, no obligation. No pressure, no jargon, just a clear read on what applies to you.

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