Long Term Capital Gain Tax

Long-term capital gains (LTCG) refer to profits earned from assets held for an extended period over 12 months for listed assets and 24 months for unlisted assets. The LTCG tax rate was increased to 12.5% post-Union Budget 2024, up from 10% previously, for FY 2024-25 (AY 2025-26). Budget 2025 has made no changes to the LTCG tax rate, and the existing rules will continue to apply for FY 2025-26 (AY 2026-27).
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Long Term Capital Gain Tax Rate for AY 2025-26
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27-March-2025

Effective from July 23, 2024, a uniform 12.5% tax rate applies to long-term capital gains (LTCG) across all asset classes, regardless of indexation benefits. Previously, LTCG on listed shares and equity mutual funds was taxed at 12.5% on gains exceeding Rs. 1.25 lakh, while other assets were taxed at 20% with indexation or 10% without. The indexation benefit has been removed for most assets. For land and building sold after July 23, 2024, the tax rate is 12.5% without indexation. If acquired before that date, taxpayers can choose between 12.5% without indexation or 20% with indexation. Assets are generally considered long-term if held for over 24 months, with exceptions like listed securities and equity funds requiring a 12-month holding period.

This article will delve into the details of long-term capital gains, including the tax rates, calculations, exemptions, and examples.

Understanding LTCG taxation on mutual funds can help you plan your investments better. If you're looking to invest in funds with potential tax benefits, you can explore and compare different options. Compare Mutual Fund Options Now!"

Budget 2024: LTCG tax rate for FY 2024-25 (AY 2025-26)

Here’s a breakdown of the changes introduced in the Union Budget 2024 regarding long-term capital gains (LTCG) tax:

  1. Uniform tax rate: Under the new Union Budget 2024, taxpayers are now subject to a uniform long-term capital gains tax rate of 12.5% on all financial and non-financial assets. Previously, the tax rate for such gains was 10%, while non-equity assets faced a rate of 20%. The new budget standardises the LTCG tax at 12.5% for all assets.
  2. Removal of indexation benefits: The Finance Minister has eliminated indexation benefits, which previously allowed taxpayers to adjust the cost of asset acquisition according to inflation. As a result, taxpayers can no longer utilise these benefits when calculating their long-term capital gains, leading to potential increases in tax liability.
  3. Increased basic exemption limit: The basic exemption limit for long-term capital gains tax has been raised from Rs. 1 lakh to Rs. 1.25 lakh. This change provides some relief to taxpayers, allowing them to earn higher gains without incurring tax.
  4. Revised holding periods: The Union Budget has also altered the holding periods required for different asset types. Previously, the holding periods varied between 12, 24, and 36 months. Now, only two holding periods are relevant: 12 months and 24 months, applicable to all financial and non-financial assets. This simplifies the taxation process and provides clarity to investors regarding asset retention.

In summary, the Union Budget 2024 has implemented significant changes to the long-term capital gains tax structure, introducing a uniform tax rate, eliminating indexation benefits, increasing the basic exemption limit, and revising holding periods. Taxpayers will need to adapt to these changes when planning their investments and capital gains strategies.

Budget 2025: LTCG tax rate for FY 2025-26 (AY 2026-27)

​In the Union Budget 2025, no changes were made to the tax rates or holding periods for long-term capital gains (LTCG) across various asset classes. For instance, gains from listed equity shares and equity mutual funds held for over 12 months continue to benefit from an exemption on the first Rs 1.25 lakh, with amounts exceeding this threshold taxed at 12.5% without indexation. Similarly, the holding period and tax rates for assets like bonds, debt mutual funds, unlisted shares, and immovable property remain unchanged. Investors should stay informed and consider these factors when planning their investment strategies.

 

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What is long term capital gains tax?

Long term capital gains tax is a tax levied on the profits earned from the sale or transfer of certain long term assets, such as stocks, real estate, mutual funds, or other investments. The tax is applicable only when these assets are held for a specific period, typically more than one year, before they are sold.

When you sell your equity shares after holding them for over a year, you can earn long-term capital gains on mutual funds. If your long-term gains exceed Rs. 1.25 lakh, you will need to pay taxes on them. The tax rate for LTCG on mutual funds is 12.5%, and there is no benefit of indexation.

Here are some key points about long term capital gains tax on Mutual Funds:

  • Holding Period: To qualify for long term capital gains treatment, an investor must hold the asset for a minimum period of one year or more in case of equity-oriented funds and three years or more in case of other than equity oriented funds. If the asset is sold before this holding period, the gains are considered short-term and are subject to a different tax rate.
  • Tax Rates: Equity oriented schemes are subject to Long term capital gains tax at the rate of 12.5%* and other than equity-oriented schemes are also subject to LTCG at the rate of 12.5% (previously 20%). * The rates mentioned above are exclusive of cess and surcharge if applicable.
  • Tax Benefits: Governments often provide lower tax rates on long term gains to encourage long term investment.
  • Reporting: Taxpayers are required to report their capital gains on their income tax returns, specifying whether the gains are short-term or long term.

Long term capital gain tax on mutual funds

Long term capital gains in terms of mutual funds typically refer to the profits made on the redemption or sale of mutual fund units held for a duration of more than one year. These gains are subject to taxation, with different rates applied to equity and non-equity mutual funds:

Equity funds

Equity funds are mutual funds designed for investing in equity shares of various companies. They come in two types: tax-saving equity funds and non-tax saving equity funds.

  • Tax-saving equity funds (ELSS)
    ELSS, a type of tax-saving equity fund, imposes a lock-in period of 3 years. During this period, investors cannot sell or transfer their funds, leading to long term capital gain tax obligations.
  • Non-tax saving equity funds
    Unlike tax-saving equity funds, non-tax saving equity funds do not have a lock-in period. Depending on the holding period, they can attract both long term and short-term capital gain taxes. All equity funds are subject to a 12.5% tax on gains above Rs. 1.25 lakh without indexation benefits after 12 months. However, the capital gains exemption limit has been increased to Rs. 1.25 lakh.

For instance, if Mr. Anil invested Rs. 3 lakh in an equity fund on 1/2/17 and sold it on 31/3/2019 for Rs. 4.5 lakh, his capital gain would be Rs. 1.5 lakh. Consequently, a 12.5% tax would be levied on the Rs. 25,000 exceeding the Rs. 1.25 lakh margin.

These mutual funds invest in both equity and debt funds, with more than 65% of the investment towards equity shares or equity-oriented shares. Hence, they attract a similar long term capital gain tax as equity funds.

Debt funds

Debt mutual funds are used to invest in debt instruments from the market. The long term capital gain tax rate on mutual funds is 12.5% after indexation, which adjusts the acquisition cost for inflation using the Cost Inflation Index (CII).

Example: Mr. Bose invested Rs. 2 lakh in debt funds on 30/4/15 and redeemed it on 1/2/19 for Rs. 3.5 lakh. Since the indexation benefit has been removed, the transaction will result in a long-term capital gain of Rs. 1,50,000.

Debt-oriented balanced funds

These funds reinvest more than 60% of the funds towards debt instruments and are subject to a tax rate of 12.5% without indexation.

It is essential to stay updated with the prevailing tax regulations, as tax rates and rules may change over time.

LTCG tax on ELSS with example

Long-Term Capital Gains (LTCG) tax on Equity Linked Savings Schemes (ELSS) is a tax levied on the profits earned from the sale of ELSS units held for more than one year. ELSS are mutual funds that invest primarily in equity and offer tax benefits under Section 80C of the Income Tax Act, 1961. They have a lock-in period of three years, meaning the investment cannot be withdrawn before three years.

As of the current tax laws in India, LTCG on equity investments, including ELSS, is taxed at 12.5% if the gains exceed Rs. 1.25 lakh in a financial year. This tax is applicable without the benefit of indexation, which means the cost of acquisition is not adjusted for inflation.

Example:

Suppose you invest Rs.1,50,000 in an ELSS on 1st April 2021. After the mandatory lock-in period of three years, you decide to redeem the investment on 1st April 2024. Assume the value of your investment has grown to Rs. 2,10,000.

  1. Cost of Acquisition: Rs. 1,50,00
  2. Redemption Value: Rs. 2,10,000
  3. LTCG: Rs. 2,10,000 – Rs. 1,50,000 = Rs. 60,000

Since the LTCG of Rs.60,000 is less than Rs. 1.25 lakh, it is exempt from tax. If your gains were Rs. 1,45,000 instead, the taxable amount would be Rs. 20,000 (Rs. 1,45,000 - Rs. 1,25,000 exemption), and the tax payable would be Rs. 2,500 (12.5% of Rs. 20,000).

Thus, understanding the LTCG tax implications is crucial for planning investments and optimising returns from ELSS.

You can save up to Rs. 46,800 in taxes with ELSS Funds. Click here to check out the top performing ELSS funds!

LTCG rates, holding period of various mutual funds after Budget 2024

Asset Type

Earlier rules

New rules after Budget 2024

Holding Period

LTCG

Holding Period

Equity mutual funds

>12 months

10% (no indexation)

Debt mutual funds purchased before April 1, 2023

>36 months

20% with indexation

Debt mutual funds purchased after April 1, 2023

Always short-term

Slab rates

Domestic equity ETFs

>12 months

10% (no indexation)

International equity ETFs (listed in India) before April 1, 2023

>36 months

20% with indexation

International equity ETFs (listed in India) after April 1, 2023

Always short-term

Slab rates

International equity ETFs (listed outside India)

>36 months

20% with indexation

Domestic debt ETFs purchased before April 1, 2023

>36 months

20% with indexation

Domestic debt ETFs purchased after April 1, 2023

Always short-term

Slab rates

International debt ETFs purchased before April 1, 2023

>36 months

20% with indexation

International debt ETFs purchased after April 1, 2023

Always short-term

Slab rates

All fund of funds

 

 

Equity-oriented (invests minimum 90% in equity-oriented fund and such equity-oriented fund also invests 90% of proceeds in listed equity shares in India)

>12 months

10% (no indexation)

Other funds purchased before April 1, 2023 (less than 65% in debt)*

>36 months

20% (with indexation)

Other funds purchased after April 1, 2023 (less than 65% in debt)*

Always short-term

Slab rates

International fund of funds*

>36 months

Slab rates

Gold mutual fund before April 1, 2023

>36 months

20% (with indexation)

Gold mutual fund after April 1, 2023*

Always short-term

Slab rates

Gold ETFs before April 1, 2023

>36 months

20% (with indexation)

Gold ETFs after April 1, 2023*

Always short-term

Slab rates

Dynamic/Multi-asset allocation funds

 

 

Aggressive hybrid fund*

>12 months

10% (no indexation)

Balanced hybrid fund*

>36 months

20% (with indexation)

Conservative hybrid fund (Purchased before April 1, 2023)

>36 months

20% (with indexation)

Conservative hybrid fund (Purchased before April 1, 2023)

Always short-term

Slab rates


*New rates will come into effect from April 1, 2025

Long-term capital gain tax on shares

Long-term capital gains (LTCG) tax on shares applies to profits made from selling equity shares held for more than one year. Under the current tax regime, gains exceeding Rs. 1.25 lakh in a financial year are taxed at a rate of 12.5%. This change aims to provide a uniform tax structure for all financial assets.

Previously, the LTCG tax was 10% for gains without indexation and 20% for gains with indexation. However, the Budget 2024 removed the indexation benefit, making the tax calculation straightforward. Investors should consider these factors when trading shares to optimise their tax liabilities.

Long-term capital gain tax on property

Long-term capital gains (LTCG) tax on property is applicable when a property is sold after being held for more than two years. The gains are calculated as the difference between the selling price and the indexed cost of acquisition, which accounts for inflation. Under the current regime, LTCG exceeding Rs. 1.25 lakh in a financial year is taxed at 12.5%.

The recent Budget 2024 has removed the indexation benefit, simplifying the calculation for taxpayers. Investors must also be aware of the two-year holding period requirement to qualify for LTCG taxation, as this impacts their overall tax planning strategy.

Current holding period rules for long-term capital gains

Type of asset

Holding period for LTCG

Listed equity shares

More than 12 months

Equity oriented mutual fund units

More than 12 months

Unlisted equity shares (including foreign shares)

More than 24 months

Immovable assets (i.e., house, land and building)

More than 24 months

Movable assets (such as gold, silver, paintings etc.)

More than 24 months

 

LTCG tax rate after union budget 2024 announcements

Type of asset

LTCG tax rate

Listed equity shares

12.5% (no indexation benefit; exempted up to Rs. 1.25 lakh in an FY)

Equity-oriented mutual fund units

12.5% (no indexation benefit; exempted up to Rs. 1.25 lakh in an FY)

Unlisted equity shares (including foreign shares)

12.5% (without indexation benefit)

Immovable assets (i.e., house, land and building)

12.5% (without indexation benefit)

Movable assets (such as gold, silver, paintings etc.)

12.5% (without indexation benefit)

 

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How to calculate LTCG tax?

Here’s how to calculate long term capital gains tax:

  • The calculation of LTCG tax depends on the type of asset and the applicable tax rate.
  • For equity-oriented assets like unit of equity-oriented mutual funds and shares of listed companies, the long-term capital gains tax rate is 12.5% on gains exceeding Rs. 1,25,000. Gains up to Rs. 1,25,000 are exempt from tax.
  • For non-equity assets like debt mutual funds, real estate properties, and gold, the LTCG tax is 12.5% without indexation. Indexation was used to help adjust the purchase price of the asset for inflation, reducing the taxable gains.

How to calculate capital gains for NRIs

Calculating capital gains for NRIs

Non-Resident Indians (NRIs) are permitted to invest in Indian capital markets as long as they possess a PAN card and complete their eKYC verification. The tax liability for NRIs in India depends on their residential status for the financial year, as outlined by income tax regulations. If classified as a 'resident,' an individual's global income is taxable in India. However, if classified as an 'NRI,' only the income earned or accrued within India is taxable.

Types of Taxable Income for NRIs in India:

  • Salary earned in India or from services rendered within India
  • Income from house property located in India
  • Capital gains from the transfer of assets situated in India
  • Interest from fixed deposits or savings accounts in India

Recent Changes in Tax Rates for NRIs on Capital Gains

In the Union Budget 2024-25, the Indian government proposed revisions to the tax rates on certain capital gains for NRIs. These changes aim to align the tax treatment of NRIs with that of resident investors. The revised tax rates apply to transfers made on or after July 23, 2024.

Type of Income

For Transfers Before July 23, 2024 (TDS Rate)

For Transfers On or After July 23, 2024 (TDS Rate)

Long-term capital gains under Section 115E

10%

12.5%

Long-term capital gains under Section 112(1)(c)(iii)

20%

12.5%

Long-term capital gains exceeding INR 1,00,000 under Section 112A

10%

12.5%

Other long-term capital gains not covered under Sections 10(33) and 10(36)

20%

12.5%

Short-term capital gains under Section 111A

15%

20%


These updates reflect the government's approach to standardize tax structures, ensuring consistency for NRIs and residents alike.

Factors influencing LTCG calculation

1. Type of asset:

  • Equity-oriented assets: These include equity mutual funds, listed shares, and ELSS. LTCG on these assets is taxed at 10% on gains exceeding Rs. 1.25 lakh per financial year. The tax is applicable without the benefit of indexation.
  • Non-equity assets: These include debt mutual funds, real estate, and gold. LTCG on these assets is taxed at 12.5% without indexation, which was previously used to adjust the purchase price for inflation, reducing the taxable gain.

2. Holding period:

  • Equity-oriented assets: To qualify as long-term, these assets must be held for more than one year.
  • Non-equity assets: For these assets, the holding period is generally more than three years. The longer the holding period, the more significant the effect of indexation for non-equity assets.

3. Cost Inflation Index (CII):

  • CII for non-equity assets: The CII is crucial for calculating the indexed cost of acquisition for non-equity assets. It helps to adjust the purchase price according to inflation, which can substantially reduce the taxable gains. The government releases the CII every year, reflecting inflation rates.
  • Absence of indexation for equity-oriented assets: Equity assets do not benefit from indexation, which makes the actual taxable gains higher compared to non-equity assets.

4. Exemption limits:

  • Equity-oriented assets: There is an exemption limit of Rs. 1.25 lakh on LTCG. Gains up to Rs. 1.25 lakh in a financial year are not taxable, which is particularly beneficial for small investors.
  • Non-equity assets: There is no such exemption limit for non-equity assets. All gains are subject to tax after indexation.

5. Date of acquisition and sale:

  • Impact on calculation: The exact dates of acquisition and sale determine the applicable CII for non-equity assets and the holding period for all assets. These dates are crucial for establishing whether the asset qualifies for LTCG treatment and for calculating the indexed cost (for non-equity assets) or the tax-exempt threshold (for equity-oriented assets).
  • Grandfathering provisions: For equity-oriented assets purchased before 31st January 2018, the higher of the actual purchase price or the market price as on 31st January 2018 is considered for LTCG calculation, due to changes in tax laws.

By considering these factors, investors can effectively plan their investments and tax liabilities, optimising their returns and ensuring compliance with tax regulations.

Here is an example for better understanding:

Suppose Mrs. Gupta invests in equity shares worth Rs. 35,000 and sells them outside a recognised stock exchange after 25 years for Rs. 7,50,000. Before the Union Budget 2024, indexation benefits were allowed, and if she had opted for indexation benefits, her indexed cost of acquisition (Rs. 35,000 * 320/100) amounts to Rs. 1,12,000.

After deducting this from the selling price, her taxable gain stands at Rs. 6,38,000. Opting for indexation, she would have incurred a 20% tax on this total amount, resulting in Rs. 1,27,600.

However, as per the new announcement in the Union Budget 2024, indexation benefits have been removed. Now, her taxable gain is calculated by deducting the selling price and the cost of acquisition (Rs. 7,50,000 – Rs. 35,000 = Rs. 7,15,000). 12.5% of this taxable amount, totalling Rs. 89.375.

Other topics you might find interesting

Short Term Capital Gains Tax

New Income Tax Slabs and Rates

Direct Tax Code 2025

Hindu Undivided Family Act

Income Tax Returns for Mutual Funds

Inheritance Tax

Net Investment Income Tax

Short Term vs Long Term Capital Gains

Assessment Year and Financial Year

Income Tax Return Extended Date

Section 80C of Income Tax Act

Long Term Capital Gain Tax on Property

What are the exemptions on long term capital gains tax?

It is important to learn about the exemptions on long term capital gains tax. Listed below are some details:

  • There are certain exemptions available to investors on long term capital gains under various sections of the Income Tax Act, 1961.
  • For example, Section 54 provides an exemption on LTCG tax if the gains from the sale of a residential house property are reinvested in another residential house property within the specified period.
  • Under Section 54EC, capital gains up to a maximum of Rs. 50 lakhs, made on the sale of a long term asset, can be exempted if the proceeds are invested in certain specified bonds within 6 months.
  • Capital gains arising from the sale of equity shares or units of equity-oriented mutual funds on or after April 1, 2018, up to Rs. 1.25 lakh in a fiscal year is exempt from tax. Gains exceeding Rs. 1.25 lakh are taxed at a rate of 12.5%.

It is important to note that these exemptions have certain conditions and criteria that must be met to claim them.

How to save tax on long term capital gains?

Understand how to save tax on long term capital gains:

  • To save tax on long term capital gains, investors can utilise various tax-saving investment instruments, like Equity Linked Savings Schemes (ELSS) or the National Pension System (NPS).
  • By investing in these tax-saving options, investors can claim deductions under Section 80C of the Income Tax Act and reduce their taxable income.

How to fill long-term capital gain in ITR-2?

To fill in Long-term Capital Gains (LTCG) in ITR-2, start by selecting the “Capital Gains” section in the income tax return form. Specify the type of asset sold, such as shares or property, and enter the sale consideration amount. Next, provide the cost of acquisition, including any expenses related to the sale. Calculate the LTCG by subtracting the indexed cost from the sale consideration. Report the net LTCG in the relevant section, ensuring it aligns with the total income. Finally, verify all details before submitting the form to ensure accuracy and compliance with tax regulations.

Conclusion

Long term capital gains tax (LTCG) is an essential aspect of taxation for investors. Understanding the holding period of assets, the applicable tax rates, and the exemptions available can help investors optimise their tax liabilities and make informed investment decisions. By exploring various tax-saving options and staying updated with the latest tax regulations, investors can make the most of their long term capital gains and work towards long term wealth creation and financial goals.

As with any tax-related matters, seeking professional advice is advisable to ensure accurate tax planning and compliance with tax laws. Overall, being aware of the tax implications of investment decisions is a key element in sound financial planning.

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Frequently Asked Questions

How much long term capital gain is tax-free?

Long term capital gains up to Rs. 1,00,000 are tax-free. This exemption applies to gains from the sale of listed equity shares or equity-oriented mutual funds.

How is Long term capital gain tax calculated?

LTCG tax is calculated at a flat rate of 20% on gains exceeding Rs. 1,00,000. Indexation benefits can also be applied to adjust the cost of acquisition for inflation.

How can I avoid LTCG tax?

While complete avoidance of LTCG tax is not possible, you can reinvest in specified bonds (Section 54EC) within six months of selling property to save on LTCG tax.

Is Long term capital gain tax automatically deducted?

No, LTCG tax is not automatically deducted. You need to calculate and pay it while filing your income tax return.

How can I reduce my Long term capital gain tax on sale of property?

Consider reinvesting in another residential property (under Section 54) or investing in specified bonds (under Section 54EC) to reduce LTCG tax liability.

What is the basic exemption for Long term capital gain tax?

The basic exemption limit for LTCG is Rs. 1,00,000. Gains below this threshold are tax-free.

Are senior citizens exempted from Long term capital gain tax?

Unfortunately, senior citizens are not specifically exempted from LTCG tax. The same rules apply to all taxpayers.

How is long-term capital gains tax calculated on mutual funds?

Long-term capital gains tax on mutual funds is calculated on the gains accumulated and according to the time for which the units were held.

Who is exempt from long-term capital gains tax?

Exemption from long-term capital gains under Section 54 allows taxpayers to invest in up to two house properties, as opposed to the previous provision of one, under the same conditions. However, the capital gain from the sale of the house property must not exceed Rs. 2 crores.

What is the lock-in period for long-term capital gains?

The lock-in period for long-term capital gains on equity-oriented mutual funds is one year from the date of purchase, while for debt-oriented funds, it's three years.

What is the formula for long-term capital gains?

The formula for long-term capital gains (LTCG) is: LTCG = Sale Price - Indexed Cost of Acquisition (for non-equity assets) or Sale Price - Purchase Price (for equity-oriented assets). Indexation adjusts the purchase price for inflation.

How much is long term capital gains against income?

Long-term capital gains are taxed at 10% for equity-oriented assets on gains exceeding Rs.1 lakh, and at 20% for non-equity assets after indexation. This tax is separate from the regular income tax.

What is the time period for long term capital gains?

The time period for long-term capital gains is more than one year for equity-oriented assets and more than three years for non-equity assets. Holding the asset beyond these periods qualifies it for LTCG taxation.

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