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Capital Gains Tax Services

Expert Capital Gains Tax Calculation & Filing - Property, Stocks, Mutual Funds | Minimize Tax Legally | Save up to 50% on Capital Gains | LTCG & STCG Planning by CAs

₹50Cr+ Tax Saved for Clients
2,000+ Capital Gains Filed
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Free Consultation: Get expert advice on minimizing your capital gains tax!

What is Capital Gains Tax?

Capital gains tax is levied on profits from selling capital assets like property, stocks, mutual funds, gold, or bonds

📊 Types of Capital Gains

Short-Term Capital Gains (STCG):

  • Property/Gold: Held ≤ 24 months
  • Equity/MF: Held ≤ 12 months
  • Taxed at slab rate or 15%

Long-Term Capital Gains (LTCG):

  • Property/Gold: Held > 24 months
  • Equity/MF: Held > 12 months
  • Lower tax rates with benefits

💰 Tax Rates 2024-25

LTCG Tax Rates:

  • Property: 20% (with indexation)
  • Listed Equity/MF: 10% (>₹1L)
  • Unlisted shares: 20% with indexation
  • Bonds/Debentures: 20% with indexation

STCG Tax Rates:

  • Listed Equity/MF: 15%
  • Property/Others: As per slab
💡 Did You Know? With proper tax planning and exemptions under Section 54, 54EC, and 54F, you can save 50-100% of your capital gains tax liability! Our CAs help you navigate these exemptions to minimize your tax burden legally.

📋 Indexation Benefit

Indexation adjusts the purchase price of an asset for inflation, reducing taxable capital gains. This benefit is available on long-term capital assets like property, gold, and unlisted shares.

Example: Property bought for ₹50L in 2010 and sold for ₹1Cr in 2024. With indexation, the indexed cost becomes ₹1.15Cr, resulting in NO taxable gains!

Capital Gains on Different Assets

🏠

Property/Real Estate

Holding Period: >24 months for LTCG

  • LTCG: 20% with indexation
  • STCG: As per income slab
  • Exemptions: Section 54, 54F, 54EC
  • Joint property calculation
  • Inherited property benefits
  • Agricultural land exemptions
📈

Stocks & Equity

Holding Period: >12 months for LTCG

  • LTCG: 10% (gains >₹1 lakh)
  • STCG: 15% flat rate
  • STT paid transactions
  • Listed equity shares
  • Intraday trading taxation
  • Derivative transactions
💼

Mutual Funds

Holding Period: Varies by type

  • Equity MF: Same as equity
  • Debt MF: As per slab rate
  • Hybrid fund classification
  • SIP taxation rules
  • Redemption tax calculation
  • Dividend reinvestment
🪙

Gold & Jewelry

Holding Period: >24 months for LTCG

  • LTCG: 20% with indexation
  • STCG: As per slab
  • Physical gold taxation
  • Gold bonds exemption
  • Sovereign Gold Bonds (SGB)
  • Gold ETF/funds taxation
📊

Bonds & Debentures

Holding Period: >12 months for LTCG

  • LTCG: 20% with indexation
  • STCG: As per slab
  • Listed bonds taxation
  • Zero coupon bonds
  • Capital gains bonds (54EC)
  • Government securities
🏢

Unlisted Shares

Holding Period: >24 months for LTCG

  • LTCG: 20% with indexation
  • STCG: As per slab
  • Private company shares
  • Startup equity taxation
  • ESOP taxation
  • Share buyback implications

Capital Gains Tax Exemptions

Save maximum tax using these legal exemptions and deductions

🏡

Section 54 - Residential Property

Save 100% Tax on Property Sale

  • Sell residential property
  • Buy/construct another residential
  • Within 1 year before or 2 years after sale
  • Or construct within 3 years
  • Hold new property for 3 years
  • Full exemption on reinvestment
Example: Sold flat for ₹1Cr (gain ₹40L). Buy new flat worth ₹50L = Save entire ₹40L capital gains tax!
🏘️

Section 54F - Any Asset to Residential

Save Tax on Non-Property Assets

  • Sell any long-term asset (except property)
  • Invest in residential property
  • Don't own more than 1 house
  • Buy within 1 year before/2 years after
  • Or construct within 3 years
  • Proportionate exemption available
Example: Sold gold for ₹80L (gain ₹30L). Invest entire ₹80L in house = Full exemption on ₹30L gains!
📜

Section 54EC - Capital Gains Bonds

Save Tax via Bond Investment

  • Invest in NHAI/REC bonds
  • Within 6 months of sale
  • Maximum investment: ₹50 lakhs
  • Lock-in period: 5 years
  • Interest taxable as income
  • Can't take loan against bonds
Example: Property gain ₹60L. Invest ₹50L in 54EC bonds = Save tax on ₹50L!
📊

Section 54GB - Startup Investment

Invest in Eligible Startups

  • Sell residential property
  • Invest in eligible startup
  • Within 6 months of sale
  • Minimum 25% stake required
  • Hold shares for 5 years
  • Startup conditions apply
🏦

Capital Gains Account Scheme

Temporary Parking of Gains

  • Deposit gains if can't invest immediately
  • Before ITR filing due date
  • Use within specified period
  • Available at public sector banks
  • Protects exemption eligibility
  • Interest earned is taxable
📈

Other Exemptions & Benefits

  • Section 54B: Agricultural land sale
  • Section 54D: Industrial undertaking
  • Section 54G: Urban area shift
  • Section 54GA: Shifting assets
  • Indexation benefit: Reduces taxable gains
  • Set-off losses: Against other gains
⚠️ Important: To claim exemptions, you must invest BEFORE filing your income tax return. Missing deadlines can result in losing exemptions worth lakhs of rupees. Our CAs ensure you never miss critical deadlines and maximize your tax savings!

Why Choose Our Capital Gains Tax Services?

Expert tax planning to minimize your capital gains tax liability legally

💰

Maximum Tax Savings

We analyze all available exemptions and help you structure transactions to save maximum tax legally. Our clients save 30-50% on average.

📊

Accurate Calculations

Complex indexation calculations, cost inflation index application, and accurate gain computation with 100% accuracy.

🎯

Personalized Planning

Customized tax planning strategies based on your specific situation, asset type, and financial goals.

📝

Complete Documentation

Proper documentation of all transactions, exemption claims, and supporting evidence for hassle-free ITR filing.

🛡️

Notice Handling

Complete support in case of IT notices, scrutiny, or queries related to capital gains tax matters.

⚡

Quick Turnaround

Fast calculations and filing within 24-48 hours. Same-day urgent service available for time-sensitive cases.

Capital Gains Tax Service Pricing

Transparent pricing with no hidden charges

Basic Package

₹2,000
Single asset, simple calculation
  • Capital gains calculation
  • Basic tax computation
  • Indexation benefit (if applicable)
  • ITR form assistance
  • Email support
  • 2-3 days delivery
Get Started
Most Popular

Standard Package

₹5,000
With tax planning & exemptions
  • Complete capital gains calculation
  • Tax planning & optimization
  • Exemption analysis (54/54F/54EC)
  • Investment recommendation
  • ITR filing included
  • Phone & email support
  • 24-48 hours delivery
Choose Plan

Premium Package

₹10,000
Multiple assets & complex cases
  • Multiple asset calculations
  • Advanced tax planning
  • All exemptions analysis
  • Loss set-off strategies
  • Complete ITR filing
  • Documentation support
  • Priority support
  • Same-day delivery option
Contact Us

Property Sale Package

₹7,500
Complete property tax solution
  • Property capital gains calculation
  • Indexation benefit computation
  • Section 54/54F planning
  • 54EC bond guidance
  • Joint ownership calculations
  • Complete ITR filing
  • Documentation checklist
Get Quote

💡 What's Included in All Packages

✓ Expert CA Consultation

Discuss your case with qualified CAs

✓ Tax Saving Strategies

Legal ways to minimize tax liability

✓ Accurate Calculations

100% accurate computation guaranteed

✓ Compliance Assurance

Full compliance with IT laws

Our Capital Gains Tax Process

Simple 5-step process for hassle-free capital gains tax filing

1

Share Details

Provide asset sale details, purchase records, and relevant documents

2

Tax Calculation

We calculate capital gains with indexation and applicable tax rates

3

Tax Planning

Analyze all exemptions and recommend optimal tax-saving strategies

4

Investment Guidance

Help you invest in qualifying assets for tax exemptions

5

ITR Filing

Complete income tax return filing with capital gains schedule

Capital Gains Tax Comparison

Asset Type Holding Period (LTCG) LTCG Tax Rate STCG Tax Rate Indexation Benefit
Residential Property > 24 months 20% As per slab Yes
Listed Equity Shares > 12 months 10% (>₹1L) 15% No
Equity Mutual Funds > 12 months 10% (>₹1L) 15% No
Debt Mutual Funds > 36 months As per slab As per slab No (from Apr 2023)
Gold/Jewelry > 24 months 20% As per slab Yes
Unlisted Shares > 24 months 20% As per slab Yes
Bonds/Debentures > 12 months 20% As per slab Yes
📌 Note: Tax rates and holding periods are as per current Income Tax Act and may change with budget announcements. Always consult a CA for the latest rates applicable to your transaction.

Frequently Asked Questions

What is capital gains tax in India? ▼
Capital gains tax is the tax levied on profits earned from selling capital assets like property, stocks, mutual funds, gold, or bonds. When you sell an asset for more than its purchase price, the profit is called capital gain and is taxable. Short-term capital gains (STCG) are taxed at higher rates for assets held less than specified periods (12-24 months), while long-term capital gains (LTCG) get preferential tax rates. Property and gold get indexation benefits which reduce taxable gains by adjusting for inflation.
How much is capital gains tax on property sale in India? ▼
Long-term capital gains (property held more than 24 months) on property are taxed at 20% with indexation benefit, which significantly reduces the taxable amount. Short-term gains (held ≤24 months) are taxed as per your income tax slab (up to 30%). However, you can completely save this tax using exemptions: Section 54 (buy another residential property), Section 54EC (invest in NHAI/REC bonds up to ₹50 lakhs), or Section 54F (for other assets). With proper planning, you can save 50-100% of capital gains tax.
How to save capital gains tax on property sale? ▼
You can save capital gains tax by: 1) Reinvesting in another residential property under Section 54 (buy within 1 year before or 2 years after, or construct within 3 years) - saves 100% tax, 2) Investing in Capital Gains Bonds (54EC) from NHAI/REC up to ₹50 lakhs within 6 months, 3) Using indexation benefit to reduce taxable gains significantly, 4) If selling non-residential property, invest in residential under Section 54F. You must invest BEFORE filing ITR to claim exemption. Our CAs help you choose the best strategy to save maximum tax.
What is the difference between LTCG and STCG? ▼
Long-Term Capital Gains (LTCG) apply when assets are held for more than specified periods: 24 months for property/gold/unlisted shares, 12 months for listed equity/mutual funds. LTCG gets lower tax rates (10-20%) and indexation benefits on certain assets. Short-Term Capital Gains (STCG) apply to shorter holding periods with higher tax rates - 15% for equity/mutual funds, or as per your income slab (up to 30%+cess) for property and other assets. LTCG also has more tax-saving exemptions available under Sections 54, 54EC, 54F.
How is capital gains tax calculated on stocks and mutual funds? ▼
For equity shares and equity mutual funds: LTCG (>12 months) is taxed at 10% on gains exceeding ₹1 lakh per year, without indexation. STCG (≤12 months) is taxed at flat 15%. For debt mutual funds (from April 2023): Both LTCG and STCG are taxed as per your income slab without indexation benefit. Calculation: Sale value minus purchase price minus brokerage/charges = Capital gain. STT (Securities Transaction Tax) must be paid for equity tax rates to apply. Loss from one capital asset can be set off against gains from another.
What is indexation and how does it help? ▼
Indexation adjusts the purchase price of an asset for inflation using the Cost Inflation Index (CII) notified by the government annually. This significantly reduces taxable capital gains. Formula: Indexed Cost = Purchase Price × (CII of sale year / CII of purchase year). For example, property bought for ₹50L in 2010 (CII: 167) and sold in 2024 (CII: 348) - indexed cost becomes ₹1.04Cr. If sold for ₹1Cr, there's actually a LOSS, so zero tax! Indexation is available on property, gold, bonds, and unlisted shares held as long-term assets.
Can I invest capital gains in multiple properties to save tax? ▼
Under Section 54, you can invest capital gains from selling ONE residential property into ONE or TWO residential properties (as per Budget 2023). However, the combined cost of new properties cannot exceed ₹10 crores. For Section 54F (selling any other long-term asset), you can buy only ONE residential property and you should not own more than one house property (other than the new one) on the date of transfer. The new property must be held for 3 years to retain the exemption. Partial investment gives proportionate exemption.
What documents are needed for capital gains tax calculation? ▼
Required documents include: Purchase deed/agreement with payment proof, Sale deed/agreement with sale consideration proof, Brokerage/commission payment receipts, Improvement/renovation bills (if claiming), Bank statements showing transactions, Previous year's ITR (if applicable), For property: Registration/stamp duty receipts, possession letter, home loan statements. For stocks/MF: Contract notes, demat account statements, dividend statements. For gold: Purchase bill, sale bill, assayer certificate. For inherited assets: Will, succession certificate, previous owner's purchase proof.
What happens if I don't invest capital gains by ITR filing date? ▼
If you cannot invest the capital gains before filing your ITR, you MUST deposit the unutilized amount in a Capital Gains Account Scheme (CGAS) with authorized banks before the ITR due date. This preserves your eligibility for exemption. You can then withdraw and invest the amount within the specified time period (2-3 years depending on the section). If you fail to deposit in CGAS or invest within the time limit, the exemption will be denied and you'll have to pay capital gains tax with interest. Our CAs help you manage these deadlines effectively.
Can capital gains losses be set off against other income? ▼
Long-term capital losses can only be set off against long-term capital gains, not against any other income. Short-term capital losses can be set off against both short-term and long-term capital gains. If losses cannot be fully adjusted in the current year, they can be carried forward for 8 years and set off against capital gains in subsequent years. However, you must file your ITR on time (before the due date) to claim carry forward of losses. Business losses and capital losses cannot be set off against each other. Our CAs help optimize loss set-off strategies to minimize your overall tax liability.

Ready to Minimize Your Capital Gains Tax?

Get expert CA assistance to save maximum tax legally on your property, stocks, or mutual fund sales

📞 Call: +91 78892 57045 💬 WhatsApp Us

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