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Reference

Capital Gains Tax Rates

STCG and LTCG by asset class, post-2024 rules.

Updated 17 August 2026
AssetLong term afterShort-term rateLong-term rateIndexation
Listed equity shares & equity mutual funds12 months20%12.5% above ₹1.25 lakh a yearNo
Immovable property24 monthsSlab rate12.5% without indexation (20% with indexation optional for pre-23 Jul 2024 purchases)Optional, legacy only
Gold, jewellery, unlisted shares24 monthsSlab rate12.5%No
Debt mutual funds (bought on/after 1 Apr 2023)Not applicableSlab rateSlab rateNo
Sovereign Gold Bonds (held to maturity)8 yearsSlab rateFully exempt at maturityN/A
Virtual digital assets (crypto)Not applicable30% flat30% flatNo — and no loss set-off

Data as of 17 Aug 2026Source: incometax.gov.in

Worth knowing.Holding periods and rates changed materially in July 2024. Indexation was removed for most assets, and debt funds bought after April 2023 lost long-term treatment entirely.

Your numbers

₹10 L
₹1₹10,00,000₹1 Cr
₹18 L
₹1₹18,00,000₹1 Cr
130 months480
Tax payable
₹87,750
  • Your gain89%
  • Tax11%
Capital gain
₹8,00,000
Classification
Long term
Exemption
₹1,25,000
Taxable gain
₹6,75,000
Tax rate
12.50%
Cess
₹3,375
Net proceeds after tax
₹17,12,250

What this means.LTCG on equity (12.5% above ₹1.25 lakh). The ₹1.25 lakh exemption resets every financial year. Harvesting gains up to that limit each year is legal and free.

Questions

Is this tax information specific to India?

Yes. Everything on Credsir is written for Indian regulation, Indian tax law and Indian products — RBI rules, IRDAI norms, SEBI regulation and the current financial year’s income tax provisions.

How often is this page updated?

Rate tables are refreshed weekly, and immediately after an RBI policy change or a Budget announcement. Every figure on the page carries the date it was captured and a link to its source, so you can always see how current it is.

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No. We earn from partner links and advertising, but rankings come from a published scoring formula that runs identically on every product, whether we earn from it or not. Products we make nothing from appear in these lists whenever they win on the numbers.

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Advertised rates are the best case, reserved for applicants with a high credit score, stable income and a favourable profile. Your offer depends on your credit score, employer, income and existing obligations. Treat published rates as the floor, not the quote.

Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.