India LTCG/STCG Calculator
Calculate short-term and long-term capital gains tax on equity shares, mutual funds, and debt instruments. Includes CII indexation for debt funds and 4% cess.
How Capital Gains Tax Works in India (2026)
Equity: Holding ≤12 months is STCG (15% + 4% cess). Holding >12 months is LTCG (10% over ₹1.25L exemption + 4% cess). Debt: Holding ≤36 months is STCG (taxed at your income slab rate). Holding >36 months is LTCG (20% with indexation + 4% cess). Indexation adjusts the purchase cost using the Cost Inflation Index (CII), reducing your taxable gain in high-inflation periods.
India LTCG/STCG Calculator — Capital Gains Tax on Equity, Mutual Funds & Debt
Free India capital gains tax calculator for 2026. Calculate STCG and LTCG on equity shares, equity mutual funds, debt mutual funds, and other assets with indexation and cess.
Scenario Analysis: STCG vs LTCG Tax at Different Holding Periods
Hypothetical tax comparison on a gain of ₹8,000 if held as equity. STCG (≤12m) at 15.6%, LTCG (>12m) at 10.4% on gains over ₹1.25L.
Tax Rules (India 2026)
- Equity STCG (≤12 months): 15% + 4% cess = 15.6%
- Equity LTCG (>12 months): 10% over ₹1.25L exemption + 4% cess = 10.4%
- Debt STCG (≤36 months): Taxed at applicable income tax slab rate
- Debt LTCG (>36 months): 20% with indexation + 4% cess = 20.8%
- CII (Cost Inflation Index): FY 2020-2021: 301, FY 2021-2022: 317, FY 2022-2023: 331, FY 2023-2024: 348, FY 2024-2025: 363, FY 2025-2026: 378, FY 2026-2027: 389