Capital Gains Tax Calculation

Overview

The July 2024 changes rewrote how gains are taxed

Since 23 July 2024, equity LTCG is taxed at 12.5% above a ₹1,25,000 exemption per year, and equity STCG at 20%. Gains on property, gold, and other assets are taxed at 12.5% without indexation — though assets acquired before that date can still choose the older 20%-with-indexation method if it works out cheaper. Debt mutual funds, meanwhile, are taxed at slab rate regardless of holding period. Getting the wrong rate — or missing the grandfathering option — means paying more tax than the law requires.

Correct rate for the correct asset

Equity, property, gold, and debt funds are each computed under their own rule — no mixing up STCG and LTCG treatment.

Grandfathering computed both ways

For property or assets bought before 23 July 2024, we calculate tax under both the old indexed and new unindexed methods and use whichever is lower.

Exemptions applied where eligible

Section 54, 54F, and 54EC reinvestment exemptions checked against your specific transaction so you don't overpay or miss a valid claim.

Try it now

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.

Simple, from start to finish

How it works

Book a consultation

Tell us what you've sold or plan to sell — property, shares, mutual funds, or gold.

Share your transaction documents

Sale and purchase deeds, contract notes, or fund statements, shared securely.

We calculate the exact liability

Gains computed under the correct rule, with grandfathering and exemptions checked line by line.

File & confirm

We include the computation in your return and send you the working along with the acknowledgement.

Typically 2–3 days once transaction documents are received

Questions

Frequently asked

01What's the tax rate if I sell shares held over a year?

Long-term capital gains on listed equity shares and equity mutual funds are taxed at 12.5% on the amount above ₹1,25,000 in a financial year, under the rules effective from 23 July 2024.

02I bought my property before July 2024 — which rate applies to me?

You can choose between 12.5% without indexation (the new rule) or 20% with indexation (the old rule), and pay whichever works out lower. This grandfathering applies only to property and similar assets acquired before 23 July 2024.

03Can I avoid tax on selling my house?

You can claim exemption under Section 54 by reinvesting the gains in another residential property, or under Section 54EC by investing up to ₹50 lakh in specified bonds within six months — both subject to conditions and time limits.

04Are debt mutual funds taxed the same way as equity funds?

No. Since April 2023, gains on debt mutual funds are taxed at your slab rate regardless of how long you held them — indexation and the LTCG concessional rate no longer apply to them.

05Why book a consultation instead of calculating this myself?

Different assets, different holding periods, an optional grandfathering computation, and multiple exemption sections all interact in one return. A small mistake in classification changes the rate that applies — and there's no way to fix it after the return is filed.

You might also need