Capital Gains Tax Calculator
Calculate LTCG and STCG tax for stocks, property, crypto
Transaction Details
Holding: 48 months (LTCG)
Brokerage, stamp duty, registration fees
Listed equity held over 12 months is taxed at 12.5% on gains above ₹1,25,000 a year. No indexation.
Rates as per Union Budget 2026 (no change to rates) · Income-tax Act, 2025 · verified 2026-08-13. Figures apply to tax year 2026-27. The Income-tax Act, 2025 replaced the 1961 Act on 1 April 2026 and renumbers sections; rates are unchanged. This tool is an estimate, not tax advice.
Total Tax Payable
Tax Calculation
Listed shares / equity mutual funds - Tax Rules
Listed equity held over 12 months is taxed at 12.5% on gains above ₹1,25,000 a year. No indexation.
ℹ️ The first ₹1,25,000 of equity LTCG is tax-free every financial year. Budget 2024 raised this from ₹1,00,000 and moved the rate from 10% to 12.5%.
Capital Gains Tax Rates (India)
Equity (Listed Stocks/Equity MF):
- • LTCG (>1 year): 10% above ₹1L
- • STCG (≤1 year): 15% flat
Debt Mutual Funds:
- • LTCG (>3 years): 20% with indexation
- • STCG (≤3 years): As per tax slab
Real Estate:
- • LTCG (>2 years): 20% with indexation
- • STCG (≤2 years): As per tax slab
Cryptocurrency:
- • Flat 30% tax (no LTCG benefit)
- • No deductions allowed except cost
Tax Saving Tips
- •Hold equity for >1 year to get 10% LTCG vs 15% STCG
- •Use ₹1 lakh LTCG exemption on equity every year
- •For real estate, use indexation to reduce taxable gains
- •Reinvest LTCG in property (54/54F) or bonds (54EC) to save tax
- •Offset gains with losses (tax loss harvesting)
- •Time your sales to optimize tax liability
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