Capital Gains Tax Calculator (India)

Short-Term Capital Gains (STCG) arise when you sell an asset before completing the required holding period — 12 months for equity/MF, 24 months for property and gold. Long-Term Capital Gains (LTCG) apply when the holding period exceeds these thresholds and generally attract lower flat tax rates.

For FY 2025-26, the first Rs 1,25,000 of long-term capital gains from listed equity shares and equity-oriented mutual funds is exempt from tax each financial year. Gains above this threshold are taxed at 12.5%.

Short-term capital gains on listed equity shares and equity-oriented mutual funds (where STT is paid) are taxed at a flat rate of 20% under Section 111A, regardless of your income tax slab or regime.

Capital gain on property = Sale Price - Transfer Costs - (Purchase Price + Improvement Cost). If held for more than 24 months, LTCG is taxed at 12.5% without indexation. If held for 24 months or less, the gain is added to your income and taxed at your slab rate.

Physical gold, gold ETFs, and digital gold held for more than 24 months qualify as LTCG taxed at 12.5%. Gold held for 24 months or less is STCG taxed at your income tax slab rate. Sovereign Gold Bonds (SGB) held till maturity are fully exempt from capital gains tax.

No. Capital gains tax rates on equity, mutual funds, property, and gold are the same under both the Old and New Tax Regime. They are taxed separately from regular income at flat rates (for LTCG/STCG on equity) or slab rates (for STCG on property/gold).

You can deduct the purchase price, improvement or renovation costs (especially for property), and transfer expenses such as brokerage, stamp duty, and registration fees from your sale proceeds to arrive at the net capital gain.

For assets sold on or after July 23, 2024, indexation benefit has been removed for most capital assets including property and gold. LTCG is calculated on the actual cost of acquisition without adjusting for inflation.

Debt mutual fund units purchased after April 1, 2023 are taxed at your income tax slab rate regardless of holding period. This calculator applies equity-oriented MF rules. Debt fund gains should be added to your regular income for slab-based taxation.

Yes. Short-term capital losses can be set off against both STCG and LTCG. Long-term capital losses can only be set off against LTCG. Unabsorbed losses can be carried forward for up to 8 assessment years. This calculator does not model loss set-off.