How to save capital gains tax?

Equity: Harvest ₹1.25L LTCG yearly (tax-free). Property: Reinvest under Section 54 (another house) or 54EC (bonds). Tax-loss harvesting to offset gains.

Is crypto taxed as capital gains?

No, crypto/VDA income is taxed flat at 30% + 4% cess regardless of holding period. No deductions allowed except cost of acquisition. 1% TDS on transfers.

Capital Gains Tax in India — STCG & LTCG Rates

Capital gains tax applies when you sell investments (stocks, mutual funds, property, gold) at a profit. Tax rates depend on asset type and holding period.

Equity (Stocks & Equity MFs)

STCG (<1 year): 20%. LTCG (>1 year): 12.5% above ₹1.25L exemption. Updated from Budget 2024.

Debt & Gold

All gains taxed at income tax slab rate regardless of holding period (post April 2023 rules). No indexation benefit.

Real Estate

STCG (<2 years): Slab rate. LTCG (>2 years): 12.5% without indexation (Budget 2024). Section 54 exemption available if you buy another house.