Capital gains tax calculator (FY 2026-27)

12.5% on long-term gains above ₹1.25 lakh in a financial year, for listed shares and equity funds held over 12 months. Budget 2026 kept both the rate and the limit unchanged.

Units bought from 1 April 2023 are taxed at your slab rate however long you hold them. Units bought before that are long-term after 24 months and taxed at 12.5%.

Only for land and buildings bought before 23 July 2024, sold by a resident individual or HUF. You pay the lower of 12.5% without indexation or 20% with it.

Reinvesting the gain in another house, or putting up to ₹50 lakh into specified bonds (like REC or PFC) within six months of the sale, can exempt it. This calculator shows the tax before any such exemption.

From 1 April 2026, redemption at maturity is tax-free only if you bought the bond at its original issue and held it all the way. Bonds bought on the stock exchange are taxed even at maturity, and redeeming early with the RBI (after five years) is taxed too, as a long-term gain at 12.5%. Sold on the exchange, SGBs are listed securities: long-term after 12 months and taxed at 12.5%.