How To Do
Capital Gains Tax Calculator
Compute short-term and long-term capital gains tax for FY 2025-26 (AY 2026-27) under the rules effective from 23 July 2024.
Rules applied (post-23 July 2024)
| Asset | STCG holding | STCG rate | LTCG rate |
|---|---|---|---|
| Listed equity / equity MF | ≤ 12 months | 20% | 12.5% over ₹1.25L |
| Debt MF (post Apr-2023) | Always | Slab rate | N/A |
| Debt MF (pre Apr-2023) | ≤ 24 months | Slab | 12.5% (no indexation) |
| Gold | ≤ 24 months | Slab | 12.5% (no indexation) |
| Property / land | ≤ 24 months | Slab | 12.5% (or 20% with indexation, see below) |
| Unlisted shares | ≤ 24 months | Slab | 12.5% (no indexation) |
All LTCG figures here exclude surcharge and 4% cess. For property bought before 23 Jul 2024, resident individuals/HUFs may pay 20% with indexation if it's lower than 12.5% without — toggle the comparison option above.
FAQ
What is grandfathering for pre-2018 equity?
For listed equity bought before 1 Feb 2018, gains up to 31 Jan 2018 are exempt. The cost is taken as max(actual cost, min(31-Jan-2018 FMV, sale price)). Enter the FMV when prompted to apply grandfathering.
When is the ₹1.25 lakh equity exemption applied?
Only on LTCG from listed equity and equity mutual funds (12.5% rate). The first ₹1.25L of LTCG in a financial year is exempt; only the excess is taxed.
Why are debt MFs different post-April 2023?
From 1 Apr 2023, debt mutual funds (with <35% equity) lost LTCG benefit entirely. All gains are taxed at slab, regardless of holding period. Older units retain the old treatment.
How do I see my full tax picture?
Add this number to your salary tax via the Income Tax Calculator. Capital gains tax is computed separately and added to your total liability.