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Calculate short-term capital gains (STCG) tax on equity shares, debt mutual funds, and property. See STCG amount, applicable tax, and net gain after tax under FY 2025-26 rules.
Select asset type and enter transaction details
Listed shares held ≤ 12 months — flat 20% STCG
Cost of acquisition
Sale consideration received
Brokerage, stamp duty, registration
₹1,75,000
₹35,000
₹1,40,000
| Component | Amount |
|---|---|
| Purchase Price | ₹5,00,000 |
| Total Cost | ₹5,00,000 |
| Sale Price | ₹6,80,000 |
| Transfer Cost | ₹5,000 |
| Net Sale Proceeds | ₹6,75,000 |
| Short-Term Capital Gain (STCG) | ₹1,75,000 |
| Applicable Tax | ₹35,000 |
| Net Gain After Tax | ₹1,40,000 |
STCG = Net Sale Proceeds - Total Cost; Applicable Tax = STCG × Rate; Net Gain = STCG - Applicable TaxShort-term capital gains tax for equity, debt, and property under FY 2025-26 rules. Same rates under Old and New Tax Regime.
Short-Term Capital Gains (STCG) arise when you sell a capital asset before completing the required holding period — 12 months for listed equity, 24 months for property. Debt mutual fund gains (units purchased after April 1, 2023) are taxed at your income slab regardless of holding period. STCG is taxed separately from regular salary income.
Total Cost = Purchase Price + Improvement Cost. Net Sale Proceeds = Sale Price - Transfer Cost. STCG = max(0, Net Sale Proceeds - Total Cost). Applicable Tax = STCG × tax rate (20% for equity STCG under Section 111A, or your income tax slab for debt and property). Net Gain = STCG - Applicable Tax.
Listed equity shares and equity-oriented mutual funds sold within 12 months of purchase attract STCG at a flat 20% under Section 111A, provided Securities Transaction Tax (STT) was paid. This rate applies regardless of your income tax slab or regime choice.
Debt mutual fund units purchased after April 1, 2023 are taxed at your applicable income tax slab rate on all gains. Property sold within 24 months of purchase is also STCG, added to your total income and taxed at your slab rate. Improvement and transfer costs reduce the taxable gain.
Example 1 (Equity STCG): Bought shares for Rs 5L, sold for Rs 6.8L after 6 months. Transfer cost Rs 5K. STCG = Rs 1.75L. Tax = Rs 1.75L × 20% = Rs 35,000. Net Gain = Rs 1,40,000. | Example 2 (Debt STCG): Bought debt MF for Rs 10L, sold for Rs 10.6L. STCG = Rs 60K. Tax at 30% slab ≈ Rs 18,720. Net Gain ≈ Rs 41,280. | Example 3 (Property STCG): Bought flat for Rs 40L, sold for Rs 48L after 18 months. Transfer Rs 1L. STCG = Rs 7L. Tax at 30% slab ≈ Rs 2,18,400. Net Gain ≈ Rs 4,81,600.
STCG Tax Rates (FY 2025-26)
Estimated slab rate used: 31.2% (30% + cess). Actual tax depends on your total income.