Capital Gains FAQs for Tax Year 2026-27
Quick Reference Box
| Asset | Holding Period (LTCG) | LTCG Rate | STCG Rate |
|---|---|---|---|
| Listed equity / equity MF | 12 months | 12.5% (gains > ₹1.25 lakh) | 20% |
| Property (sold after 23 July 2024) | 24 months | 12.5% (no indexation) | Slab rate |
| Property (purchased before 23 July 2024) | 24 months | Lower of: 12.5% (no indexation) OR 20% (with indexation) | Slab rate |
| Gold / physical assets | 24 months | 12.5% | Slab rate |
| Debt mutual funds (post April 2023) | Any period | Slab rate (always STCG) | Slab rate |
| Unlisted shares | 24 months | 12.5% | Slab rate |
Q1. I sold my property in August 2026 that I purchased in 2012. Can I claim indexation?
It depends on whether you exercise the transition option for pre-23 July 2024 purchases.
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