Capital Gains Tax in India | How to Save Tax on Capital Gains 💰📉

Capital Gains Tax in India | How to Save Tax on Capital Gains 💰📉

"Sold a property, shares, or gold and made a profit? That’s called a **Capital Gain** — and yes, it’s **taxable in India**.

But don’t worry — you can also **save tax legally** by claiming exemptions! 👇

🔹 **What is Capital Gains Tax?**
When you sell a capital asset like real estate, stocks, or mutual funds, the profit you earn is taxed as **Capital Gains**.

There are 2 types:

1. **Short-Term Capital Gains (STCG):** Asset held for less than a defined period (like 12 months for shares)
2. **Long-Term Capital Gains (LTCG):** Asset held for more than that period

💸 **Tax Rates:**

* STCG (on shares): 15%
* LTCG (on shares above ₹1 lakh): 10%
* Real estate LTCG: 20% with indexation

📤 Exemptions You Can Claim:**
✅ section 54: Sell a house & buy another residential property
✅ Section 54F: Sell any other asset & buy a house
✅ Section 54EC: Invest in bonds (REC/NHAI) within 6 months
✅ Section 10(38): (for old cases, pre-2018) – LTCG on shares was exempt

🧠 Pro Tip: Keep records of your purchase & sale dates, cost of improvement, and indexation benefits to reduce your tax liability!

💼 *Plan smart, save tax.* Consult a tax expert before filing!

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