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Calculate STCG vs LTCG for property, equity, gold, and debt funds.
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The exact formula, statutory references and edge-cases used to compute your result. Reviewed by CA Ankita Jainik Soni.
Listed equity / equity MF: STCG if held ≤12 months; LTCG if held >12 months. Property, gold, debt funds (post-Apr 2023): STCG if held ≤24 months; LTCG if held >24 months. Unlisted shares: STCG ≤24 months; LTCG >24 months.
Taxed at 12.5% on gains exceeding ₹1,25,000 in a financial year (FY 2025-26). No indexation benefit available. Surcharge on such LTCG capped at 15%. STT must have been paid at the time of acquisition and sale.
Taxed at 12.5% (FY 2025-26) with CII-based indexation of purchase price. Indexed cost = purchase price × (CII of sale year / CII of purchase year). Surcharge applies at standard slab.
Section 54: LTCG on sale of residential house, exempt up to cost of new residential property purchased within 1 year before or 2 years after sale, or constructed within 3 years. Section 54F: LTCG on any asset exempt on investment of entire net consideration in residential property.
If stamp duty value of property exceeds 110% of the sale consideration, the stamp duty value is deemed to be the sale price for computing capital gains. Difference is treated as capital gain for the seller.
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Last updated: 21 June 2026 · Last reviewed by CA Ankita Jainik Soni · Indicative results only