Capital Gains Tax Calculator

FY 2025-26 · STCG & LTCG on equity, property, gold and debt funds.

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Capital gains rates (FY 2025-26)

Equity (listed shares, equity MF): held ≤12 months → STCG 20%; over 12 months → LTCG 12.5% on gains above ₹1.25 lakh/year. Property & gold: over 24 months → LTCG 12.5% (no indexation); ≤24 months → taxed at your slab rate. Debt funds (after Apr 2023) → always slab rate. A 4% cess applies on the tax. Property bought before 23 Jul 2024 may instead use 20% with indexation if lower.

FAQs

What are the current capital gains rates?

Equity STCG 20%, LTCG 12.5% above ₹1.25L. Property/gold LTCG 12.5% (no indexation), STCG at slab. Debt funds at slab. Plus 4% cess.

Is indexation still available?

Removed from 23 Jul 2024, except property bought before that date (choose 12.5% without or 20% with indexation, whichever is lower).

How are debt mutual funds taxed?

Bought after Apr 2023 → taxed at your slab rate regardless of holding period.