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Capital Gains Tax Calculator — LTCG 12.5%

Calculate 12.5% LTCG, STCG, Section 54 new house exemptions, and Section 194-IA (1% TDS) / Section 195 (NRI TDS) for Indian property sales.

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Real Estate Capital Gains Tax, Section 54 & TDS Calculator (2026)

Calculate LTCG (12.5% / 20%), STCG, Section 54 house reinvestment savings, and Section 194-IA (1% TDS) / Section 195 (NRI TDS).

₹85 L
₹1.65 Cr
3.5 Years (LTCG)
✓ Qualifies for 12.5% LTCG (> 24 months)
Deductible under Section 48
Builder NOC & documentation
Section 54 Tax Exemption (Reinvest in Another Flat)
TAX & NET CASH SUMMARY
12.5% LTCG
Gross Capital Appreciation Gain:
₹72,50,000(₹72.50 L)
Section 54/54EC Exemption:-₹0
Net Taxable Capital Gain:₹72,50,000
Total Tax Payable (incl. Cess):₹9,42,500
Buyer TDS Deducted at Source:₹1,65,000 (1% Sec 194-IA)
Net In-Hand Cash to Seller:₹1,54,07,500 (₹1.54 Cr)
Consult with Capital Gains Advisory
gachibowli gated flats for sale•price guide

How to Use the Capital Gains Tax (LTCG)

1. Enter Purchase & Sale Value

Input original acquisition cost and expected sale consideration.

2. Deduct Improvements & Reinvestment

Add interior improvement costs and Section 54 new house reinvestment amounts.

3. View Net In-Hand Realization

Review final tax payable, TDS deduction, and net take-home proceeds.

Frequently Asked Questions

What is the new 12.5% LTCG tax rule for real estate in India?

Properties held for more than 24 months are taxed at 12.5% LTCG without indexation. Section 54 permits 100% tax exemption if gains are reinvested into a new residential property within 2 years.

What is the TDS rate when selling property to a buyer?

For Resident sellers, the buyer deducts 1% TDS under Section 194-IA (if sale price > ₹50 Lakhs). For NRI sellers, 20% + surcharge/cess TDS is deducted under Section 195.