LTCG Calculator (Equity & Equity Mutual Funds)
Calculate long-term capital gains tax on listed shares and equity-oriented mutual funds held over 12 months.
Assumes the holding period is over 12 months. If it's 12 months or less, use the STCG Calculator instead — the rate and rules are completely different.
LTCG tax payable
₹9,620
LTCG tax at different gain levels
| Total gain | Tax payable |
|---|---|
| ₹1L gain | ₹0 |
| ₹2L gain | ₹9,750 |
| ₹3L gain | ₹22,750 |
| ₹5L gain | ₹48,750 |
| ₹8L gain | ₹87,750 |
| ₹12L gain | ₹1,39,750 |
How LTCG on equity actually works
Long-term capital gains on listed shares and equity mutual funds get a yearly exemption before any tax applies:
The ₹1,25,000 exemption is an aggregate annual limit across all your equity LTCG for the year — not per transaction or per fund. If you sell multiple holdings, the exemption applies once to the combined total gain, not once per sale.
Unlike the old LTCG rules, there's no indexation benefit here — the 12.5% rate applies to the raw gain (sale minus purchase minus expenses), not an inflation-adjusted cost.
Frequently asked questions
Per financial year, across all your equity LTCG combined — not per stock, per fund, or per transaction. If you have gains from multiple holdings, they're added together before the exemption is applied once.