STCG + LTCG Tax Calculation with SALARY INCOME | EXPLAINED with Examples

STCG & LTCG Tax Calculation with SALARY INCOME | EXPLAINED with Examples of Income Tax Calculation
In this video by FinCalC TV we will see Taxation on short term capital gains or STCG, Long Term Capital Gains or LTCG along with salary income in Hindi. STCG are taxed at 20% and LTCG is taxed at 12.5% on profits above Rs. 1.25 lakh in financial. On salary income of up to 12 lakh, no income tax will be paid due to tax rebate of maximum 60,000. STCG and LTCG are taxed as per special tax rates.

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Marginal Relief in new tax regime:
https://youtu.be/1NluiM_B1S8

Income Tax Calculation Examples:
https://youtu.be/Q8t2J7a4j_o

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CHAPTERS:
00:00 Salary Income + STCG + LTCG Intro
01:16 STCG Taxation Examples
02:28 STCG Tax without Any Other Income
08:07 Income + STCG Tax Calculation
16:41 LTCG Taxation Examples
28:27 Salary Income + STCG + LTCG Tax Calculation

WHAT IS CAPITAL GAINS?
Profits or gains arising from transfer of a capital asset are called “Capital Gains” and are charged to tax under the head “Capital Gains”.

WHAT IS SHORT TERM CAPITAL GAINS?
For shares of companies or equity mutual funds the period is 12 months. So shares or equity mutual funds sold within 12 months from the date of purchasing and making profits on such selling will be termed as Short Term Capital Gains.

Examples of STCG covered under section 111A:
- STCG arising on sale of equity shares
- STCG arising on sale of units of equity oriented mutual fund sold through a recognized stock exchange which is chargeable to STT
- Short term capital gains arising on sale of units of a business trust

SHORT TERM CAPITAL GAINS TAX RATE
STCG covered under section 111A is charged to tax @ 20% (plus surcharge and cess as applicable).
Normal STCG, i.e., STCG other than covered under section 111A is charged to tax at normal rate of tax which is determined on the basis of the total taxable income of the taxpayer.

TAXATION ON SHORT TERM CAPITAL GAINS
Watch examples in Video and Website link above

ADJUSTMENT OF STCG AGAINST BASIC EXEMPTION LIMIT
Only a resident individual and resident HUF can adjust the exemption limit against STCG covered under section 111A. Thus, a non-resident individual/HUF cannot adjust the exemption limit against STCG covered under section 111A.
Watch Examples in Video.

Long Term Capital Gains Tax or simply LTCG Tax is the income tax you pay when you hold the shares or equity mutual funds for more than 1 year and sell them after this holding period. 12.5% tax is applied on such LTCG or profits made above Rs. 1.25 Lakh in financial year. We will check LTCG Income Tax with old and new tax regime 2025-26 with the help of examples. While on other hand, STCG or Short term capital gains attracts 20% tax on the profits made without any exemption limit except basic exemption limit on income. We can also save LTCG tax by dividing the profits across multiple financial years, known as Tax Harvesting.

Below are the differences between STCG and LTCG:
STCG (Short Term Capital Gains):
- Holding of assets for less than 1 year
- 20% tax on profits made
- No way to save tax since profits made in short term

LTCG (Long Term Capital Gains):
- Holding assets for more than 1 year
- 12.5% tax on profits made above Rs. 1.25 Lakh in Financial year
- Tax can be saved by redeeming units having value less than Rs. 1.25 lakh in consecutive financial years

#STCG #LTCG #IncomeTax #fincalc

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DISCLAIMER:
Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown.
I Am Not A SEBI Registered Adviser. All The Information Provided By Me Are For Educational/Informational Purposes Only. We Do Not Take Any Responsibility For The Accuracy Of The Data But As It May Contain Typographic Or Other Errors And Inaccuracies And We Expressly Disclaim Liability For Any Errors On The YouTube Channel (FinCalC TV). Please consult your Financial Advisor before taking any decision or action in terms of your Finances.

Видео STCG + LTCG Tax Calculation with SALARY INCOME | EXPLAINED with Examples канала FinCalC TV