Capital Gains Tax Calculator 2026-27: Shares, MF, Gold

What you are selling

Tax on this sale ₹0

Your gain₹0

Treated asLong-term

Taxed at12.5%

Tax-free part₹0

You keep, after tax₹0

Ways to lower this bill

The rules, in one table

For sales in tax year 2026-27 by a resident individual.

Asset	Long-term after	Long-term rate	Short-term rate
Listed shares, equity funds	12 months	12.5% above ₹1.25 lakh	20%
Debt funds bought from April 2023	Never	Slab rate	Slab rate
Debt funds bought before April 2023	24 months	12.5%	Slab rate
Physical gold, gold funds	24 months	12.5%	Slab rate
Gold ETFs	12 months	12.5%	Slab rate
Property	24 months	12.5%, or 20% with indexation if bought before 23 July 2024	Slab rate

The figures include the 4% cess. They leave out surcharge, which applies above ₹50 lakh of income, the indexation option on older property, and exemptions for reinvesting a property gain. Capital losses can reduce the taxable gain and are not counted here.

Questions

What is the capital gains tax on shares and equity mutual funds?

If you sell after holding for more than 12 months, the gain is long-term: the first ₹1.25 lakh of such gains in a year is tax-free and the rest is taxed at 12.5%. If you sell within 12 months, the gain is short-term and taxed at 20%. A 4% cess is added to the tax in both cases.

How are debt mutual funds taxed?

For units bought on or after 1 April 2023, the gain is added to your income and taxed at your slab rate, however long you hold them. Units bought before that date and held for more than 24 months are taxed at 12.5%.

How is gold taxed when I sell?

Physical gold and gold mutual funds become long-term after 24 months, and gold ETFs after 12 months. Long-term gains are taxed at 12.5% with no indexation. Short-term gains are taxed at your slab rate.

What is the capital gains tax on property?

Property held for more than 24 months is taxed at 12.5% on the gain, without indexation. If you bought it before 23 July 2024, you can instead choose 20% on the gain after indexation, whichever is lower. Property sold within 24 months is taxed at your slab rate.

Can I reduce capital gains tax?

Yes, in a few ways. Use the ₹1.25 lakh tax-free limit on equity every year. Set capital losses against gains. For property, reinvesting in another home or in specified bonds can exempt the gain. Timing a sale to cross the long-term threshold often matters most.

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This page is for education. It shows an illustration built from the numbers and assumptions you enter. It is not investment, tax or legal advice, and it does not take your full circumstances into account. Rates of return are assumptions, not promises. Tax rules change, so check the current rules or speak to an advisor before you act.

Invsify Technologies Private Limited is a SEBI Registered Investment Adviser, Registration No. INA000020572. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Past performance is not indicative of future results.

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