💰 Capital Gains Tax – Latest 2025 Update
Stock or mutual fund sell pannumbodhu profit vandha athuku tax pay panna vendiyathu than Capital Gains Tax. Budget 2024 update apram rates change aagiyulladhu.
📌 Capital Gain Na Enna?
Buy price vida sell price adhigama irundha difference than capital gain.
Example:
Buy → ₹1,00,000
Sell → ₹1,60,000
Gain → ₹60,000
Indha gain mela tax apply aagum.
📊 Equity Mutual Funds / Stocks Tax (Latest Rules)
| Type | Holding Period | Tax Rate |
|---|---|---|
| STCG (Short Term) | Less than 1 year | 20% |
| LTCG (Long Term) | More than 1 year | 12.5% above ₹1.25 lakh |
✔️ ₹1.25 lakh LTCG per financial year tax-free
✔️ 12.5% tax only above ₹1.25 lakh
✔️ No indexation benefit for equity funds
✔️ New rates effective from July 23, 2024
📌 Debt Mutual Funds Taxation
- Units purchased after April 1, 2023 → No LTCG benefit
- All gains added to your income
- Taxed as per your income tax slab rate
- Holding period doesn't matter
⚠️ Important Notes
- ❗ SIP each installment separate holding period
- ❗ STT applicable for equity-oriented funds
- ❗ Tax planning important before selling investments
🎯 Final Thought
Tax purinjama sell pannina unnecessary tax pay panna vendi varum. Smart investor always tax plan pannuvanga.
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Disclaimer: Tax rules as per Budget 2024 updates and applicable for FY 2024-25 onwards. Please consult a tax advisor before making financial decisions.
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