TaxSavvy

For investors

Same gain. Half the tax. Timing does it.

Listed equity held over 12 months is taxed at 12.5% above ₹1.25 lakh, not 20%.

  • ₹55,250

    less tax on a ₹5 lakh equity gain held over a year

    Short term 20%: ₹1,04,000. Long term 12.5% above ₹1.25 lakh: ₹48,750. With 4% cess. [1][2][3]

  • ₹16,250

    a year from booking long term gains up to ₹1.25 lakh

    Sell and buy back before 31 March: that long term gain is exempt each year. Buying back resets the holding period. [2][3]

  • ₹5,20,000

    saved on a ₹40 lakh property gain

    Sec 85 (old 54EC) bonds within six months, up to ₹50 lakh. At 12.5% plus cess, before any surcharge. [4][5][3]

Worked examples for tax year 2026-27, Income-tax Act 2025, resident individual in the new regime unless stated. Your own figures will differ.

Step 1

Upload your broker statement

Broker statement reader

Gains by type and holding period.

Also: Capital gains harvesting

Upload broker statement

Step 2

What you get

Your benefit

₹55,250

on the example above. Your own number comes from your statement.

The service that gets it done

Listed shares and equity mutual fund gains, Sec 196 and 198 (old 111A and 112A; ₹1.25 lakh exemption, 31 January 2018 grandfathering)

Delivered in 2 working days after all broker and CAS statements

₹1,999

Yearly, plus 18% GST

  1. Information

    • Broker tax P&L, all brokers
    • CAMS or KFintech capital gains statement
    • +5 more

  2. Discussion

    • Did you trade intraday or in F&O as well as selling delivery holdings?
    • Were any of the shares or units bought on or before 31 January 2018?
    • +4 more

  3. Forms

    • Download tax P&L from each broker and the consolidated MF capital gains statement; reconcile with AIS sale entries
    • Classify each sale: short term (12 months or less) or long term; and by date, before or after 23 July 2024
    • +6 more

  4. Deliverables

    • Capital gains working, trade-wise
    • Filed ITR acknowledgement (ITR-V)
    • +1 more
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Every answer comes as FPAC: Facts, Provisions and law, Analysis, Conclusion. A verified Savvy does the work, a CA checks it, and you pay the price shown.

Sources

  1. [1]Sec 196 (old 111A): short term equity gains 20%
  2. [2]Sec 198 (old 112A): long term equity gains 12.5%
  3. [3]Tax rates: Health and Education Cess 4%
  4. [4]Sec 85 (old 54EC): bonds up to ₹50 lakh
  5. [5]Sec 197 (old 112): long term gains 12.5%
  6. [6]Income-tax Act 2025 in force from 1 April 2026

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Worked examples from the law, then your own from one upload.