Individual Capital Gains & Investments Services in Chetpet, Chennai

Capital Gains & Investments

Filing Income Tax Returns (ITR) can be complex, especially when it comes to reporting capital gains from property, stocks, and other investments. The Union Budget 2025-26 has introduced key changes that impact how these gains are taxed. Our ITR services are designed to simplify the process, ensuring accurate reporting, compliance with tax laws, and maximizing potential tax benefits.

Capital Gains Type	Holding Period	Tax Rate	Additional Benefits
Long-Term Capital Gains (LTCG)	More than 12 months	12.5%	Exemptions under Section 54 for reinvestment in residential property
Short-Term Capital Gains (STCG)	Less than 12 months	Taxed as per income tax slab rates	Subject to Securities Transaction Tax (STT) for stocks
Capital Gains from Property	More than 24 months	20% with indexation	Exemptions under Section 54 for reinvestment in another property

Capital Gains Type

Holding Period

Tax Rate

Additional Benefits

Long-Term Capital Gains (LTCG)

More than 12 months

12.5%

Exemptions under Section 54 for reinvestment in residential property

Short-Term Capital Gains (STCG)

Less than 12 months

Taxed as per income tax slab rates

Subject to Securities Transaction Tax (STT) for stocks

Capital Gains from Property

More than 24 months

20% with indexation

Exemptions under Section 54 for reinvestment in another property

Investment Type	Tax Treatment (Post Budget 2025-26)
ULIPs	Annual premiums above ₹2.5 lakh taxed as capital gains
Equity Mutual Funds	LTCG taxed at 12.5%; STCG taxed per slab rate
Debt Mutual Funds	LTCG taxed at 20% with indexation benefits
Stocks	LTCG taxed at 12.5%; STCG taxed per slab rate

Investment Type

Tax Treatment (Post Budget 2025-26)

ULIPs

Annual premiums above ₹2.5 lakh taxed as capital gains

Equity Mutual Funds

LTCG taxed at 12.5%; STCG taxed per slab rate

Debt Mutual Funds

LTCG taxed at 20% with indexation benefits

Stocks

LTCG taxed at 12.5%; STCG taxed per slab rate

Key Changes	Details
ULIP Taxation	ULIPs with annual premiums above ₹2.5 lakh now taxed as capital gains.
Long-Term Capital Gains	Taxed at 12.5% for equity mutual funds and stocks.
Short-Term Capital Gains	Taxed at applicable income tax slab rates.
Property Sales	Capital gains from property sales subject to LTCG tax rates; exemptions available under Section 54.

Key Changes

Details

ULIP Taxation

ULIPs with annual premiums above ₹2.5 lakh now taxed as capital gains.

Long-Term Capital Gains

Taxed at 12.5% for equity mutual funds and stocks.

Short-Term Capital Gains

Taxed at applicable income tax slab rates.

Property Sales

Capital gains from property sales subject to LTCG tax rates; exemptions available under Section 54.

Our ITR Services Include

Tax filing can feel overwhelming, especially with the latest changes in The Union Budget 2025-26. Whether you’ve earned from selling property, stocks, or other investments, we’re here to make the process smooth and hassle-free. Our experts handle the complexities, ensuring your filings are accurate and compliant while helping you save more. Let’s simplify your taxes together!