Capital Gains (LTCG/STCG)
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Asset Details
Calculate LTCG/STCG tax
Asset Type
LTCG (Equity) Tax
₹6,250
Tax rate: 12.5% on capital gain
Capital Gain
₹1,50,000
After Tax
₹1,43,750
Effective Rate
4.2%
Tax Calculation Breakdown
Insight
You held this for 2 years — qualifies for LTCG. Tax saving vs STCG: significant!
Pro Tip
- •Equity LTCG: 12.5% above ₹1L exemption per year (FY24-25 budget).
- •Debt MF (post April 2023): always slab rate, no LTCG benefit.
- •Use Section 54 / 54F to save tax on real estate gains by reinvesting.
- •Tax-loss harvesting: sell losing investments to offset gains.
What is Capital Gains (LTCG/STCG)?
Capital Gains Tax is paid when you sell an asset for a profit. In India, capital gains are classified as Short Term (STCG) or Long Term (LTCG) based on how long you held the asset. The holding period and tax rate vary by asset type: 1 year for stocks/equity MFs, 2 years for real estate and gold. Tax rates and exemptions also differ by asset class.
How to Use
- 1Select your asset type (Stocks, Debt MF, Real Estate, or Gold)
- 2Enter your purchase price
- 3Enter the sell price
- 4Enter how long you held the asset
- 5See your tax liability and net gain after tax
Formula
Capital Gain = Sell Price − Purchase Price
LTCG (Equity) = 12.5% on gain above ₹1L exemption
STCG (Equity) = 20% (effective FY24-25)
Debt MF = Slab rate (post April 2023)Frequently Asked Questions
LTCG (Long Term Capital Gains) applies if you hold the asset for more than the threshold period (1 year for equity, 2 years for real estate/gold). STCG applies if held for less. LTCG is generally taxed at lower rates than STCG.