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Capital Gains Tax Calculator 2026

Enter your purchase and sale amounts to see your Indian capital gains tax right away. Gains on listed shares and ETFs are taxed as short-term or long-term as per Indian tax law. See your gain in ₹, for stocks, ETFs and crypto.

This tool is for information and guidance only. For listed shares and equity ETFs with STT it applies the statutory rates as reformed on 23 July 2024 (short-term 20%, long-term 12.5% above the ₹1,25,000 yearly exemption); for crypto it applies the flat 30% rate. Results do not account for your full personal situation, surcharge, cess, STT, brokerage or other rules. This is not tax advice and does not replace a professional opinion. Rules can change. When in doubt, consult the Income Tax Department or a qualified adviser.

The principle: short-term versus long-term capital gains

In India, profit on listed shares and equity ETFs on which Securities Transaction Tax (STT) is paid is taxed as a capital gain. The rate depends on how long you held the asset. If you held for up to 12 months, the gain is short-term and taxed at 20%. If you held for more than 12 months, it is long-term and taxed at 12.5% on the amount above a ₹1,25,000 exemption each financial year. These rates apply to transfers on or after 23 July 2024.

Markets and intermediaries are regulated by the Securities and Exchange Board of India (SEBI), and trades take place on the NSE and BSE.

Stocks and ETFs

Listed shares: STT is charged on the transaction, and the gain is taxed as short-term or long-term as above.

Equity ETFs: equity-oriented ETFs with STT follow the same short-term and long-term treatment as listed shares. Debt and other fund categories can be taxed differently, so check the fund type.

Surcharge and health-and-education cess may apply on top of these rates depending on your total income.

Dividends

Dividends are taxable in your hands at your applicable slab rate and are added to your total income. TDS may be deducted by the company. This is a different head from capital gains on the sale of the shares. Keeping your annual broker statement helps with reporting.

What about crypto?

Income from the transfer of virtual digital assets (VDAs), including crypto, is taxed at a flat 30% regardless of holding period, with a 1% TDS on transfers above the prescribed threshold. Losses on VDAs cannot be set off against any other income, and only the cost of acquisition is deductible. The tool applies the 30% flat rate for crypto.

What you need to report

Capital gains are reported in your income tax return (ITR) for the financial year. STT is collected at the point of sale, and for crypto 1% TDS is deducted on transfers. This content is for information only and is not investment or tax advice.

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Frequently asked questions

Are gains on shares and ETFs taxable in India?
Yes. Gains on listed shares and equity ETFs on which Securities Transaction Tax (STT) is paid are taxed as capital gains. If you held for up to 12 months, the gain is short-term and taxed at 20%. If you held for more than 12 months, it is long-term and taxed at 12.5% on the amount above a ₹1,25,000 exemption each financial year. These rates apply to transfers on or after 23 July 2024. This is not tax advice.
What rates apply in 2026?
For listed equity and equity ETFs with STT: short-term capital gains (holding up to 12 months) are taxed at 20%, and long-term capital gains (holding over 12 months) at 12.5% on the amount above the ₹1,25,000 yearly exemption. The tool uses these statutory rates and does not invent any figure. Surcharge and cess may apply on top depending on your income.
Can I set off my losses?
For listed equity, a short-term capital loss can be set off against short-term or long-term capital gains, and a long-term capital loss against long-term gains, with carry-forward for up to eight years subject to timely filing. Crypto is different: losses on virtual digital assets cannot be set off against any other income. Keep your broker contract notes as proof. This is not tax advice.
Is crypto taxed the same way as shares?
No. In India, income from the transfer of virtual digital assets (VDAs), including crypto, is taxed at a flat 30% regardless of holding period, with a 1% TDS (tax deducted at source) on transfers above the prescribed threshold. Losses cannot be set off against other income and no expenses other than the cost of acquisition are deductible. The tool applies the 30% flat rate for crypto.
What do I need to report?
Capital gains are reported in your income tax return (ITR) for the financial year. Your broker provides a statement, and STT is collected at the point of sale. For crypto, 1% TDS is deducted on transfers and gains are reported separately. Markets and intermediaries are regulated by SEBI, and trades take place on the NSE and BSE. Keep your annual broker statements as proof. This is not tax advice.