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LTCG / STCG Capital Gains Tax

Auto-detect holding period, tax type and rate — FY 2024-25 rules (post July 2024 Budget)

tuneCapital Gains Details
Asset Type
Buy Price per Unit (₹)
₹
Sell Price per Unit (₹)
₹
Quantity / Units
#
Buy Date
Sell Date

functions Tax Rates (Post July 2024)

Equity / Equity MF LTCG: 12.5% (exempt ₹1.25L)

Equity / Equity MF STCG: 20% flat

Real Estate LTCG: 12.5% (no idx) / 20% with idx

Gold LTCG (>24m): 12.5%

Debt MF / Other: As per income slab

Capital Gain / Loss
₹—
Enter buy price, sell price and dates
Tax Payable
₹—
Capital gains tax
label
Enter dates to classify gain
LTCG or STCG will appear here
Holding Period
—
Days / months held
Tax Rate Applied
—
Applicable rate
Total Buy Cost
₹—
Purchase value
Total Sale Value
₹—
At sell price
Exemption Applied
—
₹1.25L for equity LTCG
Net Profit After Tax
₹—
Effective return: —
Tax %
—%
Net Profit ₹—
Tax Payable ₹—

What is LTCG / STCG Tax?

Capital gains tax applies when you sell a capital asset (shares, mutual funds, property) for a profit. STCG applies if equity is held for 12 months or less — taxed at 20% flat. LTCG applies for holdings over 12 months — taxed at 12.5% above ₹1.25 Lakh (post Budget 2024). For real estate and gold, the LTCG threshold is 24 months.

LTCG on equity up to ₹1.25 Lakh per year is exempt. Debt mutual funds (regardless of holding period) are taxed at income slab rates since April 2023. Tax loss harvesting — booking unrealised losses before March 31 — is a common strategy to offset gains and reduce tax liability.

lightbulb Example Calculation
Scenario: 200 Infosys shares @ ₹1,400 (Jan 2022), sold @ ₹1,900 (Mar 2024) — held 26 months
1Buy = 200 × ₹1,400 = ₹2,80,000 | Sell = 200 × ₹1,900 = ₹3,80,000
2LTCG = ₹1,00,000 | Exempt up to ₹1,25,000 → Full ₹1L exempt
3Taxable LTCG = ₹0 | Tax = ₹0
✓ Entire ₹1,00,000 gain is tax-free (within ₹1.25L exemption)
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Frequently Asked Questions

Capital gains tax rates, exemptions, and rules explained

What is the LTCG tax rate on equity mutual funds in FY 2024-25?
For equity mutual funds held more than 12 months: LTCG is taxed at 12.5% on gains above ₹1.25 Lakh per financial year. If you book ₹80,000 LTCG from Fund A and ₹60,000 from Fund B — total ₹1.40L — taxable = ₹15,000, tax = ₹1,875. STCG (held ≤ 12 months) is taxed at 20% flat. These rates apply post July 23, 2024 — LTCG was raised from 10% to 12.5%, STCG from 15% to 20%.
How is capital gains tax calculated on real estate sale?
For real estate held more than 24 months (LTCG): You can choose the lower of (a) 12.5% on nominal gain without indexation, or (b) 20% on inflation-adjusted gain using CII. For property bought before July 23, 2024, only the old 20% with indexation rule applies. STCG (held ≤ 24 months) is taxed at your income slab rate — up to 30%.
What is tax harvesting and how does it help equity investors?
Tax harvesting means booking up to ₹1.25 Lakh of LTCG every year and immediately reinvesting — resetting the cost basis without paying any tax. Example: You have ₹1,00,000 unrealised LTCG. Sell before March 31 → ₹0 tax (within exemption). Reinvest at the new NAV → cost basis resets. Over 10-15 years this can save lakhs by preventing accumulation of a large taxable gain. Account for STT, exit loads, and 1-day price risk during sell-rebuy.

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