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The Family Finance
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How different assets are taxed when you sell them. LTCG on almost every asset is 12.5%. STCG is 20% where STT is paid (listed equity, equity MFs, REITs/InvITs); everything else is taxed at your income slab rate.
| Asset | Long-term if held | STCG tax | LTCG tax |
|---|---|---|---|
| Listed shares, equity MFs, equity ETFs | > 12 months | 20% | 12.5%* |
| Gold ETFs | > 12 months | Slab rate | 12.5% |
| REITs / InvITs | > 12 months | 20% | 12.5% |
| Listed bonds & debentures | > 12 months | Slab rate | 12.5% |
| Debt mutual funds | |||
| Bought before 1 Apr 2023 | > 24 months | Slab rate | 12.5% |
| Bought on or after 1 Apr 2023 | Never long-term | Slab rate | Slab rate |
| Gold MFs, international funds, FoFs^ | > 24 months | Slab rate | 12.5% |
| Physical gold & jewellery | > 24 months | Slab rate | 12.5% |
| Foreign stocks, unlisted shares | > 24 months | Slab rate | 12.5% |
| Real estate | > 24 months | Slab rate | 12.5%Bought before 23 Jul 2024: lower of 12.5% without indexation or 20% with indexation (resident individuals & HUFs) |