Capital Gains Tax Calculator

⚡ In shortSold shares, mutual funds or property? Find your capital gains tax under the new post-23-July-2024 rules — including the ₹1.25 lakh long-term equity exemption and the 12.5% rate. For listed shares and equity mutual funds, gains held over 12 months are long-term (LTCG), taxed at 12.5% above a ₹1.25 lakh yearly exemption; held 12 months or less they are short-term (STCG), taxed at 20%. For land and house property, gains held over 24 months are long-term at 12.5% without indexation (for property bought before 23 July 2024 you may instead choose 20% with indexation, whichever is lower); shorter holdings are taxed at your slab rate. Debt mutual funds bought on or after 1 April 2023 are always taxed at your slab rate. Exemptions under sections 54, 54F and 54EC can reduce property gains.

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How it is calculated

For listed shares and equity mutual funds, gains held over 12 months are long-term (LTCG), taxed at 12.5% above a ₹1.25 lakh yearly exemption; held 12 months or less they are short-term (STCG), taxed at 20%. For land and house property, gains held over 24 months are long-term at 12.5% without indexation (for property bought before 23 July 2024 you may instead choose 20% with indexation, whichever is lower); shorter holdings are taxed at your slab rate. Debt mutual funds bought on or after 1 April 2023 are always taxed at your slab rate. Exemptions under sections 54, 54F and 54EC can reduce property gains.

Frequently asked questions

What is the LTCG tax on shares now?

Long-term capital gains on listed shares and equity mutual funds (held over 12 months) are taxed at 12.5% on the amount above a ₹1.25 lakh exemption per year, under the rules effective 23 July 2024.

What is the capital gains tax on selling property?

Long-term gains (property held over 24 months) are taxed at 12.5% without indexation. If you bought the property before 23 July 2024, you can instead opt for 20% with indexation — choose whichever gives the lower tax. Sections 54/54F/54EC can exempt the gain if reinvested.

How are debt mutual funds taxed?

Debt mutual funds bought on or after 1 April 2023 are taxed at your income-tax slab rate regardless of how long you hold them — there is no long-term capital gains benefit.

Is there any exemption on equity gains?

Yes — the first ₹1.25 lakh of long-term capital gains on listed equity and equity mutual funds each year is exempt; only the excess is taxed at 12.5%.

Related reading

India Law Simplified is an AI-assisted tool, not a substitute for a licensed CA or advocate. Tax rules and limits change with each Finance Act — verify before relying on any figure.