1,25,000

Net Gain After Tax

₹2,77,250

You KeepTax Paid
Total Capital Gain₹3,00,000
Taxable Gain₹1,75,000
12.5% after ₹1.25L exemption₹21,875
+ 4% Health & Education Cess₹875
Total Tax Payable₹22,750
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What are Capital Gains?

Capital Gains Tax is the tax you pay on the profit earned from selling assets like stocks, mutual funds, or property. Short-term gains (STCG) are taxed at higher rates, while long-term gains (LTCG) enjoy lower rates and exemptions. Use this calculator to plan your investments and withdrawals smartly.

Latest Budget 2026 Rules

The Union Budget 2024-25 brought major simplifications to capital gains taxation:

  • Equity STCG: Increased to 20% (was 15%)
  • Equity LTCG: Increased to 12.5% with ₹1.25 Lakh exemption per year
  • Real Estate LTCG: Flat 12.5% — indexation benefit removed
  • Debt Funds: Taxed at your slab rate (no LTCG benefit after April 2023)
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Holding Period Cheat Sheet

AssetShort TermLong Term
Equity / Mutual Funds≤ 12 months → 20%> 12 months → 12.5% (after ₹1.25L exemption)
Real Estate≤ 24 months → Slab Rate> 24 months → 12.5% (No Indexation)
Debt FundsTaxed at your Income Tax Slab Rate (no LTCG benefit)
Frequently Asked Questions

For equity shares and equity-oriented mutual funds, the holding period is more than 12 months. Anything sold within 12 months is Short-Term Capital Gain (STCG).

Fincado Research Team

Fact Checked

Written and verified by ex-bankers, Chartered Accountants & RBI experts with 12+ years of experience. Every rate and fee is cross-checked against real borrower approvals and official lender disclosures.

Disclaimer: Fincado provides financial calculators and educational content for informational purposes only. We are not SEBI registered investment advisors. Always consult a certified financial planner before making any loan or investment decision.

Last Reviewed: Apr 2026
Methodology: Data-Driven
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