What is the LTCG tax rate on equity in 2026?

After Budget 2024, LTCG on equity is 12.5% on gains above ₹1.25 lakh exemption per year (holding period 12+ months).

How to avoid LTCG tax in India?

Book gains up to ₹1.25 lakh annually (tax harvesting) and immediately reinvest. For property, use Section 54 to reinvest in another property.

LTCG Tax Calculator India 2026 – Long Term Capital Gains

About the Ltcg Tax Calculator

This calculator is designed specifically for Indian investors and taxpayers using 2026 rules and regulations. All formulas follow official government guidelines and are updated annually. Results are instant and no data leaves your browser.

How the Calculation Works

The Ltcg Tax calculator uses the exact mathematical formula prescribed for this financial product in India. Enter your inputs and the result updates instantly. All calculations account for the current rates applicable for FY 2025-26.

How to Use This Calculator Effectively

Start with your base scenario — your current numbers. Then adjust variables to see how changes affect the outcome. For investment calculators, try different return rates to understand the range of possible outcomes. For tax calculators, compare old vs new regime to find your optimal strategy. For loan calculators, adjust tenure and down payment to find the affordable EMI range for your income.

Why Accurate Calculation Matters

Most financial mistakes in India stem from not calculating the true cost or benefit of a decision. An EMI that seems affordable often becomes a trap when combined with other obligations. A tax saving that sounds large may be smaller after accounting for lock-in. A return that appears impressive may be eroded by inflation. Using accurate calculators before committing to financial decisions is the single highest-return habit of financially successful Indians. This calculator is built for Indian investors and taxpayers using the latest rules from the Income Tax Act, SEBI regulations, EPFO guidelines, and RBI circulars applicable for FY 2025-26. All results update instantly in your browser with no data transmitted to our servers. Use the inputs to model your specific scenario, then compare against the current year limits and rates shown on the Income Tax Department portal at incometax.gov.in.

LTCG Tax — Key Questions

What is the LTCG tax rate on equity mutual funds in 2026?+

After Budget 2024, LTCG on equity and equity mutual funds is taxed at 12.5% (increased from 10%) for gains above ₹1.25 lakh in a financial year (increased from ₹1 lakh). Holding period must be 12+ months to qualify for LTCG. Gains below ₹1.25 lakh are tax-free. These changes apply from FY 2024-25 onwards. STCG (held less than 12 months) is taxed at 20% (increased from 15%).

Can I use tax harvesting to avoid LTCG?+

Yes. Tax harvesting (also called tax-loss harvesting or gain harvesting) involves selling equity investments every year to book gains up to ₹1.25 lakh — which is tax-free under LTCG exemption. Then immediately re-purchasing the same units. This resets your cost basis to current price. Over 10 years, this can save lakhs of rupees in LTCG tax. Works best for long-term equity investors with unrealised gains.

What is the LTCG tax on property sale in India?+

After Budget 2024, property sellers have two options: (1) 20% LTCG with indexation benefit (cost adjusted for inflation), or (2) 12.5% LTCG without indexation. For properties purchased before 2001, the Fair Market Value as of April 1, 2001 is used as cost. Gains from property sale can be reinvested in another residential property (Section 54) or in Capital Gains bonds (Section 54EC) to avoid LTCG tax.