Long Term Capital Gain Tax on Property

Long-term capital gains (LTCG) on property held for over 24 months are taxed at either 12.5% without indexation or 20% with indexation, depending on the taxpayer's choice, enabling tailored tax optimization for property investments.
INVEST NOW
Capital Gain Tax on Property
INVEST NOW
4 Min Read
Aug 18, 2026

Selling a property can result in a capital gain, and the tax treatment depends on how long you have held it. Under the current rules, a property held for more than 24 months is generally treated as a long-term capital asset. The profit earned from its sale is then considered a long-term capital gain on house property and may be subject to long-term capital gains (LTCG) tax. The tax calculation involves determining the sale consideration, eligible transfer expenses, and cost of acquisition. Understanding these factors can help you estimate the LTCG on property and identify applicable tax exemptions under the Income Tax Act. Let us explore how LTCG on the sale of property is calculated and the exemptions that may help reduce the taxable capital gain.


What are capital gains on the sale of property?

Capital gains arise when a property is sold for a profit compared to its purchase price. This profit is subject to taxation in many jurisdictions. Factors influencing the tax liability include:

  • Holding period: Short-term gains (held for a specific period) are often taxed at a higher rate than long-term gains.
  • Type of property: Different property types (e.g., residential, commercial) may have varying tax implications.
  • Exemptions and deductions: Certain exemptions and deductions can reduce the taxable capital gains.

Understanding these factors is crucial for property owners and investors to accurately calculate their tax obligations


Pro tip

DIVERSIFY your investments | MAXIMISE returns | MINIMISE effort
Discover over 1,000+ Mutual Fund schemes with ease. 
Exclusive the Bajaj Finance Mutual Funds platform.

MF Pro Tip banner

Long-term capital gain tax on property

Long-term capital gain tax on property

Long-term capital gain (LTCG) tax on property applies when a property is sold after being held for more than 24 months. The profit from the sale is treated as a long-term capital gain and is generally taxable at the applicable LTCG tax rate. To calculate the taxable gain, the sale consideration is reduced by eligible expenses related to the transfer and the applicable cost of acquisition. The resulting amount is the capital gain on which tax may be payable. Certain exemptions under the Income Tax Act may also be available if specified conditions are met. Therefore, understanding the holding period, sale value, acquisition cost, and applicable exemptions is important when calculating LTCG on property. The tax rules and applicable rates may vary based on the nature of the transaction and the prevailing provisions of the Income Tax Act.


When is a capital gain from property deemed to be long term?

The Income Tax Act of 1961 categorizes immovable properties held for more than 24 months as long-term capital assets, subject to Long-Term Capital Gains (LTCG) tax. However, a longstanding challenge in tax computation arose from the absence of a specific provision to determine the acquisition date of immovable property, particularly under-construction properties. This ambiguity created uncertainty regarding the appropriate tax treatment for such assets.

How to calculate the long-term capital gains on property

To understand the income tax calculation of LTCG on property, you need to be familiar with the following terms and metrics.

  • Full value of consideration


     In simple terms, this is the sale value of the house property. It includes consideration received in cash and/or kind.

  • Expenses on transfer


     This includes any direct or indirect expenses you may incur during the sale. They are subtracted from the sale value.

  • Cost of acquisition


     This is the cost at which you purchased the house property.

  • Cost of improvement


     This term refers to the expenses you incurred during the holding period to make any changes, upgrades and improvements to the house property.

It is worth mentioning that after the latest changes proposed in the Union Budget 2024, the indexation benefit has been discontinued for the investors who will buy properties after July 23, 2024. This implies property sellers cannot inflate or adjust their cost of acquisition and cost of improvements for inflation using the Cost Inflation Index (CII). For those investors who have bought real estate before July 23, 2024 will now have an option to choose between a lower tax rate without indexation or a higher rate with indexation.



Example of calculation of LTCG on property


Let us discuss an example for the calculation of LTCG on property. The general process for computing the LTCG is as follows:

Step 1: Begin with the full value of consideration i.e. the sale value.

Step 2: Subtract the expenses incurred during the sale.

Step 3: Subtract the cost of acquisition.

Step 4: Subtract the cost of improvement.

Step 5: Arrive at the long-term capital gains on the house property.

Check out the table below for a hypothetical example of how the LTCG on property sales is calculated using the above-mentioned steps:



ParticularsAmount
Sale value (A)Rs. 50,50,000
Less: Expenses on transfer (B)Rs. 50,000
Net sales value (A - B)Rs. 50,00,000
Less: Cost of acquisition (COA)Rs. 10,00,000
Less: Cost of improvement (COI)Rs. 12,00,000
LTCG on the sale of propertyRs. 28,00,000

Tax implications on LTCG on property

When you sell a property after holding it for more than 24 months, the profit earned is generally treated as a long-term capital gain (LTCG). This gain is taxable under the applicable provisions of the Income Tax Act. To determine the taxable LTCG, you need to consider the sale consideration, eligible expenses incurred for the transfer, and the cost of acquisition. The LTCG tax rate applicable to property is 12.5%, subject to the rules in force for the relevant transaction. Certain exemptions may also be available if you reinvest the capital gain in an eligible residential property or specified bonds and meet the prescribed conditions. The tax liability can therefore vary based on the gain, transaction details, and exemptions claimed. Understanding these factors can help you estimate the tax payable on the sale of a property.


What are tax exemptions on long-term capital gains on property sales?


The Income Tax Act offers relief on the LTCG tax in section 54 and section 54F. Check out the details below.

Section 54

Section 54 of the Income Tax Act provides tax relief on long-term capital gains (LTCG) from the sale of a residential property if the proceeds are reinvested in another residential property. This exemption aims to encourage reinvestment in real estate and reduce tax burdens for property sellers.

To qualify for this exemption, the seller must meet specific conditions:


  • The property sold must be a long-term capital asset, meaning it was held for more than 24 months before the sale.
  • The reinvestment must be made in one residential property within one year before or two years after the sale, or within three years if constructing a new house.
  • If the reinvested amount is less than the capital gains, only the invested portion is exempt, and tax applies to the remaining gains.

If the new property is sold within three years, the exemption is revoked, and the earlier LTCG becomes taxable.

Section 54EC

Section 54EC of the Income Tax Act provides tax exemption on long-term capital gains (LTCG) arising from the sale of immovable property, provided the gains are reinvested in specified capital gains bonds. This provision allows taxpayers to defer or avoid capital gains tax while promoting investment in government-backed infrastructure projects.

To claim this exemption, the reinvestment must follow these conditions:


  • The capital gains must be invested within six months of the sale in bonds issued by government-backed institutions, such as:
    • National Highways Authority of India (NHAI)
    • Rural Electrification Corporation (REC)
  • The maximum investment limit in these bonds is Rs. 50 lakh per financial year.
  • The bonds have a five-year lock-in period, meaning they cannot be sold or transferred before maturity.

Section 54B: Exemption for reinvested agricultural land

If you sell agricultural land located outside rural areas, you can claim an exemption on long-term capital gains (LTCG) by reinvesting the gains in another agricultural land within two years from the sale date. This provision helps taxpayers reinvest in agricultural assets while deferring tax liabilities.

Alternatively, if you are unable to reinvest immediately, you can deposit the capital gains amount in a Capital Gains Account Scheme (CGAS) with a designated bank before the due date for filing your income tax return. This allows you to reinvest the amount within two years, preserving the tax exemption.

However, if the newly purchased agricultural land is sold within three years of acquisition, the earlier tax exemption is revoked, and the previously exempted capital gains become taxable in the year of sale. This rule ensures that the reinvestment remains long-term and continues to support agricultural activities.

Capital Gain Tax Exemptions under Section 54, 54F, 54EC, and 54GB

Section5454EC54F54GB
EligibilityIndividual / HUFAny TaxpayerIndividual / HUFIndividual / HUF
Asset SoldResidential property (house/land)Long-term capital assets (land/building)Long-term assets other than residential propertyResidential property (equity shares where the taxpayer owns over 50% of the company’s shares)
InvestmentNew residential property (only 1)Bonds (NHAI / RECL / PFC / IRFC)New residential property (only 1)Equity shares of a company in which the taxpayer holds 50% or more shares
Purchase Timeline1 year prior or 2 years post-sale (3 years if constructing)Within 6 months of transfer1 year before or 2 years after (3 years if constructing)Before the due date for filing ITR
Special ConditionsIf the asset is sold within 3 years, the exempted capital gain is deducted from the acquisition costIf securities are sold within 5 years, earlier exempted LTCG becomes taxableIf sold within 3 years, the exempted capital gain is taxableIf sold within 5 years, the exempted capital gain is taxable
Threshold₹10 croreNot mentionedNot mentionedNot mentioned

Section 54F: Exemption for reinvested capital gains

This section offers tax exemption for capital gains from selling long-term assets (excluding residential properties) under specific reinvestment conditions. The entire sale proceeds must be used to purchase one or two residential properties within 24 months of the sale. Alternatively, the capital gains and sale proceeds can be used for a residential construction project, provided construction is completed within three years of the sale date. If you don't reinvest the entire sale proceeds, the tax exemption will only apply proportionally to the reinvested amount, not the entire capital gain.

Other topics you might find interesting
Income Tax Slabs FY 2025-26Direct Tax Code 2025Hindu Undivided Family ActDirect Tax Code 2025 vs Income Tax Act 1961
Income Tax vs Capital Gains TaxHow to File ITR 2 Form with Capital GainsTax to GDP RatioForeign Exchange Management Act (FEMA)
Assessment Year and Financial YearIncome Tax Return Extended DateLong Term Capital Gain Tax on SharesLong Term Capital Gain Tax on Property

Long term capital gain tax rule for different categories

When selling a property held for more than 36 months, Indian taxpayers have two options for calculating long-term capital gains tax:

  1. 12.5% tax rate without Indexation: This option allows for a lower tax rate of 12.5% on the capital gains. However, it does not account for inflation, which can impact the real purchasing power of the original investment.
  2. 20% tax rate with Indexation: This more traditional approach involves a higher tax rate of 20%. However, it provides taxpayers with the opportunity to adjust the property's purchase price for inflation using the Cost Inflation Index (CII) published by the Central Board of Direct Taxes. This adjustment can significantly reduce taxable capital gains and, consequently, the overall tax liability.

Note: The choice between these options depends on individual circumstances, including the length of ownership, inflation rates, and the specific tax implications for the taxpayer. It is advisable to consult with a tax professional to determine the most advantageous approach based on your unique situation.

How to save on Capital Gains Tax while selling your property?

Joint ownership to distribute capital gains


  • when a property is jointly owned, the capital gains from its sale can be split among the co-owners based on their share in the property.
  • this allows each co-owner to use their basic exemption limit, helping reduce overall tax liability.
  • for example, mr. and mrs. patel purchased a property for Rs. 40 lakhs a decade ago and sold it for Rs. 1 crore. since they are equal co-owners, each receives Rs. 30 lakhs as capital gains.
  • both can claim exemptions up to Rs. 1.25 lakhs each, resulting in total tax savings of Rs. 2.5 lakhs.

Reducing taxable capital gains through selling expenses


  • costs such as brokerage fees, legal charges, and advertising expenses incurred while selling a property can be deducted from the sale price.
  • this lowers the taxable capital gains and reduces tax liability.
  • for instance, mr. gupta sold his property for Rs. 60 lakhs but spent Rs. 2 lakhs on selling-related expenses. the net sale price considered for tax calculation is Rs. 58 lakhs.

Holding period impact on taxation


  • properties held for over two years qualify for long-term capital gains tax, which is lower than short-term rates.

Indexation benefit to reduce tax liability


  • if a residential property is sold after at least two years of ownership, indexation benefits can be applied.
  • indexation adjusts the purchase cost for inflation, effectively reducing taxable capital gains and lowering tax outgo.

Exemption by purchasing a new property under section 54


  • reinvesting capital gains from a residential property sale into another residential property allows tax exemption under section 54.
  • the new property must be purchased within one year before or two years after selling the existing one, or constructed within three years.
  • to claim full exemption, the entire sale proceeds must be reinvested; otherwise, the exemption is granted proportionally.

Exemption by purchasing a new residential property under section 54f


  • if capital gains arise from selling an asset other than a residential property, reinvesting in a new residential property can offer tax exemption under section 54f.
  • the new property must be purchased within one year before or two years after the sale or constructed within three years.
  • the seller must not own more than one other residential property at the time of claiming this exemption.

Reducing tax liability through tax loss harvesting


  • losses from mutual fund or stock sales can be set off against capital gains from property sales to reduce tax burden.
  • for example, ms. sharma sold shares at a loss of Rs. 3 lakhs while earning Rs. 10 lakhs in capital gains from a property sale. after offsetting the loss, her taxable capital gain is reduced to Rs. 7 lakhs.

Investing in bonds for exemption under section 54ec


  • capital gains tax can be saved by investing in specified bonds issued by the national highways authority of india (nhai) or rural electrification corporation (rec).
  • the investment must be made within six months from the date of sale.
  • for instance, mr. kumar earned Rs. 30 lakhs in long-term capital gains from selling his flat. by investing the full amount in nhai bonds within six months, he can claim a full exemption.

Reinvesting in shares of manufacturing companies under section 54gb


  • individuals can reinvest capital gains from selling a residential property into shares of an eligible manufacturing company to claim an exemption.
  • this investment option helps defer tax liability while supporting business growth.

Using the capital gain account scheme (CGAS)


  • if immediate reinvestment is not possible, capital gains can be deposited in a capital gain account scheme (cgas) to claim an exemption.
  • the deposited amount must be used within three years, or it becomes taxable.

Key points to remember

Key points from expert statements on the recent tax changes affecting capital gains from property sales:

  • Choice of tax regimes: Taxpayers can now choose between a 12.5% tax rate without indexation or a 20% rate with indexation for long-term capital gains from property sales acquired before July 23, 2024.
  • Grandfathering provision: The new rules act as a grandfathering provision for properties acquired before July 23, 2024, providing flexibility in tax planning.
  • Tax liability calculation: The government will determine the applicable tax regime based on calculated figures, ensuring fairness and transparency.
  • No loss offset: If the Old Tax Regime results in a negative financial outcome, taxpayers cannot offset this loss under the New Tax Regime.
  • Balancing tax revenue and taxpayer concerns: The government aims to strike a balance between generating sufficient tax revenue and addressing taxpayers' concerns about the removal of indexation benefits.
  • Impact on real estate market: The new tax regime is expected to stimulate investment and sales in the housing market by potentially reducing the tax burden on sellers.
  • Flexibility for homeowners: The choice between tax rates offers flexibility for homeowners to select the option that best suits their individual financial circumstances and property appreciation.
  • Potential benefits: In cases where property appreciation exceeds inflation, the 12.5% tax rate without indexation might be more advantageous. However, indexation can be beneficial if property appreciation is closer to the inflation rate.
  • Boost to affordable housing: The revised tax regime is expected to boost the growth of the affordable housing sector by eliminating concerns over increasing project costs.
  • Rollover benefits remain intact: Taxpayers can still avail of rollover benefits under Sections 54, 54F, and 54EC for investing capital gains in residential real estate to avoid taxation.

  • Positive Impact on Homeowners and Buyers: The new tax regime is anticipated to have a positive impact on both homeowners and aspiring homebuyers.


Conclusion


This sums up the fundamentals of LTCG on property sales and how the gains are taxed. Keep in mind that the sale or redemption of any capital asset can result in LTCG. This includes mutual funds as well.

To find the best mutual fund schemes for your portfolio, check out the 4,000+ options available on the Bajaj Broking website. You can easily compare mutual funds, start an SIP or make a lumpsum investment in your preferred schemes. It is also easy to track and redeem your investments on this platform to earn potential capital gains.

Essential tools for all mutual fund investors

Mutual Fund CalculatorLumpsum CalculatorSystematic Investment Plan CalculatorStep Up SIP Calculator
SBI SIP CalculatorHDFC SIP CalculatorAxis Bank SIP CalculatorICICI SIP Calculator
Nippon India SIP CalculatorABSL SIP CalculatorGroww SIP CalculatorLIC SIP Calculator

Top performing funds

Equity

Debt

Hybrid

Tax saver

View All
View all
cross

Search Mutual Funds & Add to Compare

search

Frequently asked questions

How is the LTCG from the sale of a property taxed?

The LTCG on property sale is taxed at a flat rate of 20%. However, indexation benefits Aarlier applied to the cost of acquisition (COA) of the property and the cost of improvements (COI) made, have been discontinued. Now, after the budget announcements made in 2024, you cannot increase/ adjust your COA or COI using the Cost Inflation Index (CII).  

Are the capital gains from the sale of a property exempt from tax?

No, the capital gains from selling a property are not tax-free. They are subject to tax at 12.5%. However, you can gain exemption by reinvesting the LTCG in eligible assets as specified in the Income Tax Act.

How much tax do I need to pay if I sell my property?

Short-term capital gains from the sale of property are taxed as per your income tax slab rate, while long-term capital gains are taxed at 12.5% without indexation benefits.

How do you calculate long-term capital gains on a property?

Calculating Long-Term Capital Gains on Property in India

  1. Determine the gross sale proceeds: This is the total amount received from selling the property, including any cash payments and the fair market value of any other assets received.
  2. Calculate net sale proceeds: Subtract any expenses related to the sale, such as brokerage fees and legal costs, from the gross sale proceeds.
  3. Calculate adjusted cost of acquisition:
    • Determine the original purchase price of the property.
    • If the sale occurred before July 23, 2024: Adjust the purchase price using the Cost Inflation Index to account for inflation over the holding period.
    • If the sale occurred after July 23, 2024: The cost of acquisition is not indexed.
  4. Account for improvements: Add any costs incurred for improvements to the property during your ownership to the adjusted cost of acquisition.
  5. Deduct allowable exemptions: If eligible, subtract any exemptions available under Sections 54, 54B, 54D, 54EC, or 54F. These exemptions often relate to reinvesting the capital gains in other eligible assets.
  6. Calculate taxable capital gains: Subtract the adjusted cost of acquisition (plus improvements) and any applicable exemptions from the net sale proceeds. This amount represents the taxable long-term capital gains.
How do I avoid long-term capital gains tax on my property?

Section 54EC of the Income Tax Act allows you to invest in specified bonds issued by the National Highways Authority of India (NHAI) or the Rural Electrification Corporation (REC) to claim a deduction from your capital gains tax on property.

How much capital gain is tax-free on property?

Effective April 1, 2023, the capital gains tax exemption available under Sections 54 to 54F has been capped at a maximum of Rs. 10 crore. Prior to this amendment, there was no such upper limit on the exemption amount. It is important to note that all conditions stipulated within the relevant sections must be fulfilled to qualify for the exemption.

What is the exemption for long-term capital gains tax?

Long-term capital gains tax exemptions depend on factors like the type of asset, holding period, and reinvestment options. For instance, under Section 54 or Section 54F of the Income Tax Act, individuals can claim exemptions on capital gains from property sales by reinvesting in eligible assets within specified time limits.

How to calculate long-term capital gain on sale of property?

To calculate long-term capital gains on the sale of property, subtract the property's cost of acquisition and cost of improvements from the selling price. Deduct any allowable expenses or exemptions to determine the taxable capital gains, subject to applicable tax rates.

Is the sale of a house property exempt from capital gains?

The sale of a house property may be exempt from capital gains tax if specific conditions are met. Under Section 54 of the Income Tax Act, individuals can claim exemptions on long-term capital gains from the sale of a residential property by reinvesting in another residential property within specified time frames.

What change has been announced regarding the indexation benefit on the sale of property?

The Budget 2024 has eliminated the indexation benefit for long-term capital gains (LTCG) on property sales. Previously, this benefit allowed sellers to adjust their purchase price for inflation using the Cost Inflation Index (CII), thereby reducing their taxable gains. Now, without this benefit, the purchase price cannot be inflated.

What is the new LTCG tax rate for property sales?

The new LTCG tax rate for property sales is set at 12.5%, but this rate applies without the indexation benefit. This means that even though the tax rate is lower than the previous 20%, sellers will no longer be able to reduce their capital gains by adjusting the purchase price for inflation. The simplified tax rate makes the tax computation process easier but may result in higher taxable gains for many property sellers.

How does the removal of the indexation benefit impact the calculation of capital gains?

Without indexation, capital gains are calculated by directly subtracting the original purchase price, that is the cost of acquisition (COA), and any cost of improvement (COI) from the sale price without adjusting for inflation. This change simplifies the computation but can increase the taxable gain, as it no longer accounts for the rise in property value over time. Consequently, sellers might face higher tax liabilities since the gain is now based purely on the difference between the purchase and sale prices.

Can you provide an example to illustrate the impact of this change?

Say Mr. A bought a property for Rs. 25 lakh in FY 2002-2003 and sold it for Rs. 1 crore in FY 2023-2024. Under the old rules, he would adjust the purchase price using the Cost Inflation Index (CII). But now, without indexation, the capital gain is simply Rs. 1 crore minus Rs. 25 lakh. This will result in a gain of Rs. 75 lakh. This calculation, without inflation adjustment, can lead to a higher taxable amount.

How does the new rule simplify the computation of capital gains?

The new rule simplifies capital gains computation by eliminating the need to adjust the purchase price for inflation using the Cost Inflation Index (CII). Taxpayers now calculate gains by directly subtracting the cost of acquisition and cost of improvement from the sale price. This makes the process faster and easier. Also, it eliminates complex tax calculations that were earlier made using the different values of Cost Inflation Index (CII). However, this change can increase tax liabilities for many, as it removes the benefit of inflation adjustment.

What is the Cost Inflation Index (CII)?

The Cost Inflation Index (CII) is a chart published annually by the income tax department. It helps in adjusting the purchase price of long-term capital assets for inflation. This adjustment ensures that the capital gains tax reflects the real increase in the asset’s value over time rather than just nominal appreciation. Before the announcements made in the Union Budget 2024, the CII helped in computing the inflation-adjusted cost of acquisition, which reduced the taxable gain.

What is the CII for the current financial year 2024-25?

For the financial year 2024-25 (assessment year 2025-26), the Central Board of Direct Taxes (CBDT) has set the CII at 363. This index is used to adjust the purchase price of assets for inflation. For the previous year, 2023-24 (AY 2024-25), the CII was 348.

Why was the indexation benefit removed?

The the Union Budget 2024 has discontinued the indexation benefit on property sale, along with reducing the LTCG tax rate to 12.5%. This move simplifies the capital gains tax calculation for both taxpayers and the tax administration. By reducing complexity and enhancing compliance, discontinuation of indexation has made the tax computation process easier and more straightforward. However, it also means that taxpayers will no longer benefit from inflation adjustments, which can increase their tax liability.

Show More Show Less

Related Videos

0

Bajaj Finance app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finance App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finance App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finance App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

Bajaj Finance Limited (“BFL”) is an NBFC offering loans, deposits and third-party wealth management products.

The information contained in this article is for general informational purposes only and does not constitute any financial advice. The content herein has been prepared by BFL on the basis of publicly available information, internal sources and other third-party sources believed to be reliable. However, BFL cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed. 

This information should not be relied upon as the sole basis for any investment decisions. Hence, User is advised to independently exercise diligence by verifying complete information, including by consulting independent financial experts, if any, and the investor shall be the sole owner of the decision taken, if any, about suitability of the same.

Disclaimer:

Bajaj Finance Limited ("BFL") is registered with the Association of Mutual Funds in India ("AMFI") as a distributor of third party Mutual Funds (shortly referred as 'Mutual Funds) with ARN No. 90319

BFL does NOT:

(i) provide investment advisory services in any manner or form:

(ii) carry customized/personalized suitability assessment:

(iii) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.

In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on As-is basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme/Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities forming part of the Mutual Fund. The NAV will inter-alia be exposed to Price/Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other/better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:

Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc, and shall also consult their Professional advisors, if they are unsure about the suitability of the scheme before investing.


Disclosure: Bajaj Finance Limited (BFL) is a distributor of Mutual Funds with ARN - 90319 and distributes mutual funds of Bajaj Finance Asset Management Limited (BFSAMC). BFL receives commission towards distribution of mutual fund products. BFSAMC is a group company of BFL, carrying business on arm’s length basis without any conflict of interest and in accordance with the prevailing law / regulation.