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Finance / India Tax
Estimate the tax on a gain from selling listed equity shares or equity mutual funds in India, for FY 2025-26.
This calculator models LISTED EQUITY shares and equity mutual funds with securities transaction tax (STT) paid specifically — not real estate, debt funds, gold, or unlisted shares, which follow entirely different capital-gains rules this calculator doesn't cover. Gain = sale value − purchase value, floored at zero (a loss shows zero tax, since losses are set off or carried forward under separate rules this calculator doesn't model). If the holding period is under 12 months, the gain is short-term (STCG) and taxed at a flat 20%. If the holding period is 12 months or more, the gain is long-term (LTCG): the first ₹1,25,000 of long-term equity gains in a financial year is exempt, and only the amount above that is taxed, at 12.5%. These are the post-Budget-2024 rates (effective for transfers on or after July 23, 2024), carried forward into FY 2025-26. Critical simplification stated explicitly: this calculator evaluates a SINGLE transaction against the full ₹1,25,000 LTCG exemption, as if it were your only gain for the year — it does NOT aggregate multiple transactions across a financial year, so if you have other equity gains in the same year, less of the ₹1.25L exemption is actually available to this particular sale than shown here.
No. This calculator models listed equity shares and equity mutual funds specifically. Real estate, debt mutual funds, gold, and unlisted shares each have their own holding-period thresholds and tax rates, which are different from the equity rules used here.
Short-term (holding period under 12 months) is taxed at a flat 20% with no exemption. Long-term (12 months or more) gets a ₹1,25,000/year exemption, with only the excess taxed at 12.5%. Holding an equity investment past the 12-month mark can meaningfully lower the tax on the same gain.
No — the ₹1,25,000 LTCG exemption is a single annual allowance across all your long-term equity gains combined, not a per-transaction allowance. This calculator evaluates one sale in isolation against the full exemption, which overstates the exempt amount if you have other equity gains in the same financial year.