Capital Gains Tax Calculator India — FY 2025-26
Calculate the capital gains tax on your stock, mutual fund, or property sale. For India. Uses current FY 2025-26 data.
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What you paid for the asset
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What you received on sale
Common questions — India
What changed in India's capital gains tax in Budget 2024?
Budget 2024 (effective July 23, 2024): STCG on equity/equity MF increased from 15% to 20%. LTCG on equity increased from 10% to 12.5%, with the exemption limit increased from ₹1 lakh to ₹1.25 lakh. Indexation benefit removed for all assets except inherited/gifted property.
What is the LTCG exemption for equity?
Long-term capital gains on equity and equity mutual funds up to ₹1.25 lakh per financial year are exempt from tax (from Budget 2024). Gains above ₹1.25 lakh are taxed at 12.5% without indexation.
What is grandfathering for equity investments made before 2018?
For equity purchased before January 31, 2018, the cost of acquisition is deemed to be the higher of actual purchase price or the Fair Market Value (FMV) as of January 31, 2018. This protects gains made before LTCG was reintroduced.
Does capital loss from one asset offset gains from another?
Short-term capital loss can offset both STCG and LTCG. Long-term capital loss can only offset LTCG. Unadjusted losses can be carried forward for 8 years. Tax-loss harvesting (selling losing investments to offset gains) is legal and commonly used.
What is the capital gains tax on real estate in India?
For property sold after 2 years of holding: LTCG at 12.5% without indexation (Budget 2024 change). Previously, 20% with indexation was available — which was often more beneficial for property. Now both methods can be used for property purchased before July 23, 2024 (grandfather protection).