Capital Gain Tax Calculator (Shares)
Share ya equity mutual fund bechne par jo munafa hota hai uspar capital gain tax lagta hai. Ye kitna hoga, ye is baat par nirbhar karta hai ki aapne kitne samay tak rakha (short ya long term). Ye calculator khareed-bikri value aur avdhi lekar tax ka anumaan deta hai.
Capital gain kya hai
Jab aap share ya mutual fund khareed kar zyada daam par bechte hain, to jo munafa hota hai use capital gain kehte hain. Ispar tax lagta hai. Kitna tax lagega, ye do cheez par nirbhar: (1) aapne kitne samay tak rakha, (2) equity hai ya kुछ aur.
1 saal ya zyada rakha = Long Term (kam tax, kुछ chhoot ke saath)
Short vs Long term
Short term (STCG): agar equity 1 saal se kam rakha, to munafe par ek tay dar (aam taur par ~20%) tax lagta hai. Long term (LTCG): 1 saal ya zyada rakha, to ek seema tak (aam taur par ~₹1.25 lakh) ka munafa tax-free, aur usse upar ~12.5% tax. Isliye lambe samay tak rakhna tax me faayda deta hai.
Ek misaal
₹1 lakh ke share, ₹1.5 lakh me beche, 8 mahine baad. Munafa ₹50,000, aur avdhi 1 saal se kam — yaani short term. Tax ~20% = ~₹10,000. Agar wahi 13 mahine baad bechte to long term hota, aur ₹50,000 munafa exemption seema ke andar aane se tax lagbhag zero ho sakta tha. Yahi farak samay ka hai.
Zaroori baatein
- Nuksan (loss) ko aage le jaa sakte hain aur future munafe se ghata sakte hain — par tabhi jab ITR samay par bharein.
- Dar aur chhoot har budget me badalti hai — current niyam zaroor confirm karein.
- F&O alag hai — wo business income hai, capital gain nahi. Uske liye F&O wala lekh dekhein.
- ITR sahi form — capital gain ke liye ITR-2 ya ITR-3. ITR-3 guide dekhein.
Aksar pooche jaane wale sawaal
Share par kitna tax lagta hai?
1 saal se kam rakha (short term) to ~20%. 1 saal ya zyada (long term) to ek seema tak tax-free, usse upar ~12.5%. Dar budget me badalti hai.
Long term me kitna tax-free hai?
Aam taur par ~₹1.25 lakh tak ka long-term munafa tax-free, baaki par ~12.5%. Ye seema samay-samay par badalti hai.
Nuksan par tax lagta hai?
Nahi. Nuksan ko aage 8 saal tak le jaa sakte hain aur future capital gain se ghata sakte hain, agar ITR samay par bhara ho.
F&O ka tax isse alag hai?
Haan, F&O business income hai (capital gain nahi). Uska hisaab aur ITR alag hota hai.