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TL-HARVEST
Capital Gains Harvesting
Book up to ₹1.25 lakh of long-term gains tax-free every year, and cancel short-term gains with losses.
You need: Your holdings (from your broker’s P&L)
Sample: made-up numbers. Switch to “Use my own numbers” to run it on yours.
Book ₹1,24,920 of gains tax-free
Book up to ₹1,25,000 of long-term gains tax-free before 31 March and buy back: your cost goes up, so less tax later. That saves about ₹16,240 of future tax. Booking losses saves ₹1,560 now.
Sell and buy back (gains)
- Nifty 50 index fund: 1388 units, gain ₹1,24,920
Sell to book losses
- Midcap fund: 300 units, loss ₹7,500
Sell and buy back on different days to avoid same-day intraday treatment; check exit loads on mutual funds.
That was a sample. with the ₹99 + GST pass, every tool for 30 days.