Capital Gains Tax Calculator India FY 2025-26
Estimate your capital gains tax for FY 2025-26 (AY 2026-27) with Budget 2025 rates. Supports equities, property, mutual funds, and bonds with exemptions (Sections 54, 54EC, 54F). Try our Income Tax Calculator or Retirement Planning Calculator for more tools.
Tax Filing Deadlines (2025-26)
- Advance Tax (Final, FY 2024-25): Due March 15, 2025. Penalty: 1% interest per month under Section 234C.
- ITR Filing (Non-Audit, FY 2025-26): July 31, 2026. File at incometax.gov.in.
Understanding Capital Gains Tax in India
Capital gains tax applies to profits from selling assets like equities, property, mutual funds, or bonds. With Budget 2025 changes, understanding LTCG and STCG rates is crucial for tax planning in India.
Key Budget 2025 Updates
- LTCG on equities and mutual funds: 12.5% (exemption up to ₹1.35 lakh).
- Property LTCG: 20% with indexation or 12.5% without (post-July 23, 2024).
- STCG on equities: 20%; property and bonds at slab rates.
How to Save on Capital Gains Tax
Leverage exemptions under Sections 54, 54EC, or 54F to reduce your tax liability. Use our calculator to plan your taxes for FY 2025-26.
Calculate Your Capital Gains Tax
Enter asset details to calculate capital gains tax for FY 2025-26. Results are estimates; consult a tax advisor for personalized advice.
Tips to Minimize Capital Gains Tax in FY 2025-26
Reducing your capital gains tax liability is possible with strategic planning. Here are some tips based on Budget 2025 rules:
- Reinvest in Property (Section 54): Reinvest gains from property sales into another residential property to claim exemptions.
- Invest in Capital Gains Bonds (Section 54EC): Invest up to ₹50 lakh in specified bonds to save on LTCG tax.
- Use Indexation for Property: For properties sold after July 23, 2024, opt for indexation to reduce taxable gains.
- Plan Your Income: Keep your total income below surcharge thresholds to minimize additional tax.
Use our calculator to estimate your savings and consult a tax advisor for personalized strategies. Visit incometax.gov.in for official guidelines.
Frequently Asked Questions
What is the LTCG tax rate for FY 2025-26?
For equities and mutual funds, LTCG is taxed at 12.5% above ₹1.35 lakh. For property, it’s 20% with indexation or 12.5% without, per Budget 2025. Bonds are taxed at 12.5%.
What is the STCG tax rate for FY 2025-26?
STCG on equities and mutual funds is taxed at 20%. For property and bonds, it’s taxed at your income tax slab rate.
Can I claim exemptions on capital gains?
Yes, under Section 54 (property reinvestment), 54EC (bonds, up to ₹50 lakh), or 54F (net proceeds reinvested), subject to conditions. Consult incometax.gov.in.
What is indexation in capital gains?
Indexation adjusts the purchase cost of property for inflation using the Cost Inflation Index (CII), reducing taxable gains. Available for property sold after July 23, 2024.
When is the ITR filing deadline for FY 2025-26?
July 31, 2026, for non-audit cases. Late filing incurs a ₹5,000 penalty under Section 234F.
Latest Tax Updates for FY 2025-26
Budget 2025 introduced key changes to capital gains tax, including a revised LTCG exemption limit of ₹1.35 lakh for equities and mutual funds. Stay updated with our calculator and check incometax.gov.in for official notifications.
Last updated: September 21, 2025