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Long Term Capital Gains Calculator
LTCG tax with the ₹1.25L exemption for equity (FY 2024-25).
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Frequently asked questions
What is the ₹1L / ₹1.25L exemption?
For listed equity/MF, LTCG up to ₹1 lakh (pre-Jul 2024) or ₹1.25 lakh (post-Jul 2024) per financial year is tax-free. Excess is taxed at 10% or 12.5% respectively.
Does indexation apply to LTCG?
Equity never had indexation. Real estate lost indexation benefit post 23-Jul-2024 — flat 12.5% now. For pre-Jul purchases, use indexation to reduce effective cost basis.
What holding period qualifies as LTCG?
Equity/MF: >12 months. Real estate: >24 months. Gold/debt MF: specific rules after April 2023.
Are there ways to save LTCG tax?
Section 54: reinvest property gains into residential property. Section 54F: full sale into new house. Section 54EC: ₹50L into REC/NHAI bonds within 6 months.