Capital Gains Tax Calculator (India)
Estimate capital gains tax in India on shares, mutual funds, property and gold under the rates in force since 23 July 2024.
About the Capital Gains Tax Calculator (India)
Listed equity held more than 12 months: long-term gains above ₹1.25 lakh a year are taxed at 12.5%; short-term at 20%. Other assets (property, gold, unlisted shares) become long-term after 24 months and are taxed at 12.5% without indexation; short-term gains are taxed at slab rates. Debt funds bought after 1 April 2023 are always taxed at slab rates.
Individuals who bought land or buildings before 23 July 2024 can choose 20% with indexation if that's lower.
The formula
Tax = (gain − exemption) × rate × 1.04
Worked example
Example: Tax on the gain (incl. 4% cess) = ₹26,650
- Inputs: Asset: Listed shares / equity mutual funds; Purchase cost (incl. expenses): ₹5,50,000; Sale price (after expenses): ₹8,80,000; Held for: 33 months; Your slab rate (for short-term gains): 30%.
- Formula: Tax = (gain − exemption) × rate × 1.04
- Result: Tax on the gain (incl. 4% cess) = ₹26,650
Things to keep in mind
- Doesn't apply the old-property indexation option, reinvestment exemptions (54, 54F, 54EC) or surcharge.
Questions people ask
Is the ₹1.25 lakh exemption per year?
Yes, for listed equity and equity funds combined.
Do NRIs pay the same rates?
Rates are similar, but TDS applies on sale.