Capital Gains Tax Calculator — LTCG & STCG for FY 2025-26
Calculate long-term and short-term capital gains tax on shares, mutual funds, property, and gold under current tax rules.
Quick Answer
Capital gains arise from the sale of capital assets — shares, mutual funds, property, gold, and others. The tax rate depends on holding period (long-term vs short-term) and asset class. For listed equity and equity mutual funds: LTCG above ₹1.25L/year is taxed at 12.5% (Section 112A), STCG at 20% (Section 111A). For property: LTCG at 12.5% without indexation (or 20% with indexation if acquired before 23 July 2024) under Section 112.
What the Capital Gains calculator computes
- LTCG / STCG on listed equity shares and equity mutual funds
- LTCG / STCG on real estate (with indexation comparison)
- Gains on debt mutual funds (now slab rate post-April 2023)
- Gold and gold ETF capital gains
- Section 54 / 54F / 54EC exemption eligibility check
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Income Tax sections this calculator implements
View the exact bare-act mapping (old ITA 1961 → new DTC 2025) for each section used.
Tax on long-term capital gains in certain cases (Equity Shares)
→ DTC 2025: Sec 107
Tax on short-term capital gains in certain cases (Equity Shares)
→ DTC 2025: Sec 105
Exemption on sale of Residential House
→ DTC 2025: Sec 70
Exemption on sale of any asset other than a residential house
→ DTC 2025: Sec 72
Exemption on investment in certain Bonds
→ DTC 2025: Sec 71
Frequently asked
What is the LTCG tax rate on equity shares?
12.5% on long-term capital gains above ₹1.25 lakh per financial year under Section 112A (for listed equity shares and equity mutual funds held > 12 months). Below ₹1.25L is fully exempt.
What is the holding period for LTCG on property?
24 months (2 years) for real estate to qualify as long-term. Less than 24 months = short-term gains, taxed at slab rates.
Can I claim indexation benefit on property sold after July 2024?
Only for property acquired before 23 July 2024, in which case you can choose between 12.5% without indexation or 20% with indexation, whichever is lower. For property acquired after 23 July 2024, only the 12.5% rate applies.
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