Estate planning · HUF
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HUF can invest in equity and mutual funds. It gets its own ₹1.25L LTCG exemption on equity (Budget 2024). If you've already used your personal ₹1.25L LTCG exemption, the HUF can harvest another ₹1.25L of gains tax-free, that's ₹2.5L combined LTCG harvesting every year.
Income Tax Act 1961, Sec 45 (now 67) | Sec 54, 54F (now 82, 86) for exemption
HUF can also claim Sec 82, Income-tax Act 2025 (old Sec 54) exemption on property reinvestment, if HUF sells a house and reinvests in another house within 2 years, LTCG is exempt. This doubles the family's Sec 82 (old Sec 54) capacity.
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