LTCG Calculator
Long-Term Capital Gains tax — for equity, real estate, gold and debt. Uses post-Budget 2024 rates: 12.5% LTCG, ₹1.25L equity exemption.
🇮🇳All amounts in ₹ INR · India tax law · FY 2025–26
Inputs
Capital gain
₹3,00,000
Annual exemption
₹1,25,000
LTCG tax
₹21,875
Post-Budget 2024 changes
- Equity / equity MF: LTCG (>1 year) at 12.5% above ₹1.25L/year exemption. STCG at 20%.
- Debt MF: Purchased after 1 Apr 2023 — gains taxed at slab rate, no indexation, no LTCG.
- Real estate / gold: 12.5% LTCG (no indexation) OR 20% with indexation for property bought before 23 Jul 2024 — taxpayer chooses.
- Plus 4% Health & Education Cess on the tax.
Yes — long-term losses can be set off against long-term gains. Short-term losses can offset both STCG and LTCG. Carry forward 8 years.
Harvest gains each year using the ₹1.25L exemption (sell, then re-buy after a day). Reinvest house-sale gains under Section 54 / 54EC.