Question 1

What is LTCG tax on stocks?

Accepted Answer

Long Term Capital Gains (LTCG) on listed equity shares/mutual funds held for more than 12 months are taxed at 12.5% above ₹1.25 lakh exemption (Budget 2024 changes).

Question 2

What is STCG tax on stocks?

Accepted Answer

Short Term Capital Gains (STCG) on listed equity shares sold within 12 months are taxed at 20% (increased from 15% in Budget 2024).

Question 3

How are debt mutual fund gains taxed?

Accepted Answer

From April 2023, gains from debt mutual funds (held any duration) are taxed at your income tax slab rate. The earlier LTCG benefit with indexation has been removed.

Question 4

What is the holding period for long-term?

Accepted Answer

Equity: 12+ months, Debt funds: 36+ months (though taxed at slab rate now), Real estate: 24+ months, Gold: 24+ months.

Question 5

Is there indexation benefit available?

Accepted Answer

Budget 2024 removed indexation benefit for most assets. Property sold after July 2024 is taxed at 12.5% without indexation or 20% with indexation (whichever is lower, for properties purchased before July 2024).

Question 6

How to save capital gains tax?

Accepted Answer

Use Section 54 (reinvest in residential property), Section 54EC (invest in specified bonds within 6 months), or Section 54F for certain assets. The ₹1.25L LTCG exemption also helps.

Question 7

Do I need to pay advance tax on capital gains?

Accepted Answer

Yes, if your capital gains tax liability exceeds ₹10,000 in a financial year, you should pay advance tax to avoid interest under Section 234B and 234C.

Question 8

How are crypto gains taxed in India?

Accepted Answer

Crypto gains are taxed at a flat 30% (plus cess) regardless of holding period. There is also a 1% TDS on crypto transactions above ₹10,000.

Capital Gains Tax Calculator India 2025-26

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