OquiliaOquiliaOquilia — India's Financial Intelligence Platform
Insurance
Calculators
Invest
Tax
Loans
For NRIs
For Business
News
Tools
Learn
Oquilia Advisor
HomeCalculatorsInsuranceNews
View All InsuranceCompare Health PlansBest Term InsuranceHealth Insurance for ParentsCompare PlansCompany ProfilesHospital NetworkClaims Analysis
View All CalculatorsSIP CalculatorEMI CalculatorIncome TaxFD CalculatorPPF CalculatorAll 150+ Calculators
View All InvestBest Mutual FundsBest SIP PlansBest FD RatesEPF vs VPF vs NPS1 Crore in 10 YearsIndex Funds India
View All TaxOld vs New RegimeTax Saving under 80CIncome Tax Slabs 2025Capital Gains TaxSave Tax on SalaryITR Filing Guide
View All LoansCompare Home Loan RatesHome Loan EligibilityBest Personal LoanRent vs Buy HousePrepay Loan or Invest?Education Loan Abroad
View All For NRIsNRI Investment GuideNRI Tax FilingNRI BankingNRI InvestmentsNRI Real EstateNRI Taxation
For Business
View All NewsLatest NewsBlog / GuidesReports
View All ToolsAm I Underinsured?Policy AuditJargon Decoder
View All LearnFinancial GlossaryFAQAbout OquiliaContact
Oquilia Advisor
  1. Home
  2. Calculators
  3. Tax
  4. Capital Gains Tax
  5. Indore
Tax

Capital Gains Tax Calculator — Indore FY 2025-26

Capital gains tax on Indore (Madhya Pradesh) investments — updated with Finance Act 2024 rates. Property LTCG (held >24 months): 12.5% without indexation. A 900 sqft flat in Indorebought at Rs 34.2L and sold 3 years later at Rs 43.1L generates LTCG of Rs 6.0L — taxed at Rs 0.78L (12.5% + 4% cess). Equity LTCG: 12.5% above Rs 1.25L annual exemption. STCG: 20%.

Verified Formula|Source: Income Tax Department, Government of India|Last verified: April 2026Methodology

Transaction Details

Listed shares, equity mutual funds, equity ETFs

1 month1y 6m10 years

LTCG threshold for Equity / Equity MF: 12 months. Your holding qualifies as Long-Term.

Related Calculators

Income Tax CalculatorOld vs New Regime
Long-Term Capital Gain (LTCG)

Held for 18 months. Equity / Equity MF requires 12 months for LTCG classification. Tax rate: 12.5%

Capital Gain

₹5,00,000

Tax Rate

12.5%

Tax Amount

₹48,750

Net Gain

₹4,51,250

Tax Computation

Sale Price₹15,00,000
Less: Purchase Price (Cost of Acquisition)- ₹10,00,000
Capital Gain₹5,00,000
Less: Exemption (Rs 1.25L LTCG exemption)- ₹1,25,000
Taxable Capital Gain₹3,75,000
Tax @ 12.5%₹46,875
Add: Cess (4%)₹1,875
Total Tax on Capital Gains₹48,750

Rs 1.25 Lakh LTCG Exemption

Under Section 112A, long-term capital gains on listed equity shares and equity mutual funds up to Rs 1,25,000 per financial year are exempt from tax. Gains above this threshold are taxed at 12.5%.

Capital Gains Tax Rates — Quick Reference (FY 2025-26)

AssetLTCG ThresholdSTCG RateLTCG Rate
Listed Equity / Equity MF12 months20%12.5% (above Rs 1.25L)
Debt Mutual Funds24 monthsSlab rateSlab rate
Property / Real Estate24 monthsSlab rate12.5%
Gold / Gold ETF24 monthsSlab rate12.5%

Capital Gains Tax on Indore Investments — Finance Act 2024 Guide

The Finance Act 2024 (Union Budget 2024, effective 23 July 2024) significantly overhauled capital gains taxation in India. The changes — removing indexation for property LTCG, revising equity STCG from 15% to 20%, and standardising LTCG at 12.5% across most asset classes — have direct implications for Indore (Madhya Pradesh) investors in real estate, equity, and gold. Understanding the new regime is essential before selling any capital asset in Indore. Madhya Pradesh has zero professional tax — Indore professionals pay Rs 0/year, saving Rs 2,500 vs Maharashtra. Indore has won India's cleanest city title 7 consecutive years (2017–2024), driving consistent real estate demand from migrants. The Super Corridor IT zone saw 40%+ property appreciation in 2021–2024, making Indore one of India's top 3 real-estate ROI destinations among Tier-2 cities.

Property Capital Gains in Indore: Finance Act 2024 Changes

Indore's real estate market: Super Corridor IT Park zone rose 20–25% in FY2025 driven by new Infosys and TCS expansions. Vijay Nagar remains the most-sought residential area at Rs 5,000–7,000/sqft. AB Road commercial corridors appreciate 12% annually. New Ring Road zones (Rau-Bicholi) emerge as affordable at Rs 3,000–4,000/sqft. Properties in prime localities — Vijay Nagar, AB Road, Super Corridor — average Rs 3,800/sqft.

Example: Selling a 900 sqft flat in Indore

  • Purchase price: Rs 34.2L (Rs 3,800/sqft × 900 sqft)
  • Stamp duty paid at purchase (7.5%): Rs 2,56,500
  • Registration charge (1%): Rs 34,200
  • Total Cost of Acquisition: Rs 37.1L (purchase + stamp duty + registration)
  • Sale price after 3 years (at ~8% annual appreciation): Rs 43.1L
  • LTCG (Long Term, held >24 months): Rs 6.0L gain — taxed at 12.5% without indexation (Finance Act 2024). Tax + cess: Rs 0.78L
  • If sold within 24 months (STCG): Entire gain taxed at your income slab rate. At 30% slab: tax = Rs 1.86L — significantly higher than LTCG.

Key Finance Act 2024 change: Indexation benefit (which allowed adjusting purchase price for inflation using the Cost Inflation Index) has been removed for property sold on or after 23 July 2024. This increases LTCG for long-held properties but the 12.5% flat rate (reduced from earlier 20% with indexation in some cases) may partially offset this. Calculate both scenarios if you acquired property before 2001 or hold it for 10+ years — grandfathering provisions may apply.

TDS on Indore Property Sale: Section 194-IA

When you sell Indore property above Rs 50 lakh, the buyer must deduct 1% TDS (Section 194-IA). At a sale price of Rs 43.1L:

  • Property value Rs 43.1L is below Rs 50L — Section 194-IA TDS does not apply for the buyer.
  • TDS is offset against your capital gains tax liability when filing ITR. If your LTCG tax (Rs 0.78L) is more than TDS, you pay the balance tax while filing ITR.

Section 54 and 54EC: Exemptions for Indore Property Sellers

Two critical exemptions can eliminate or reduce your Indore property capital gains tax:

  • Section 54: If you sell a residential property in Indore and reinvest the LTCG in another residential property within 2 years of sale (or construct within 3 years), the entire LTCG is exempt. Given Indore's active real estate market — Super Corridor IT Park zone rose 20–25% in FY2025 driven by new Infosys and TCS expansions. Vijay Nagar remains the most-sought residential area at Rs 5,000–7,000/sqft. AB Road commercial corridors appreciate 12% annually. New Ring Road zones (Rau-Bicholi) emerge as affordable at Rs 3,000–4,000/sqft. — reinvestment in another Indore property is often feasible. Deposit exemption amount in Capital Gains Account Scheme (CGAS) before ITR filing if you cannot complete purchase in time.
  • Section 54EC: Invest LTCG in NHAI, REC, or PFC bonds within 6 months of sale (up to Rs 50 lakh per financial year) for full exemption. These are long-term bonds (5-year lock-in), currently yielding ~5.75% p.a. — lower than bank FDs but the tax saving on large gains is significant.
  • Section 54F: If you sell any asset other than a residential house (e.g., plot, commercial property) and invest the entire net sale consideration (not just gains) in a residential property, LTCG is exempt proportionally.

Equity Capital Gains for Indore's Investors

Indore's IT/ITESprofessionals are among India's most active equity investors. Finance Act 2024 updated equity capital gains:

  • Equity LTCG (listed shares/equity MFs, held >12 months): 12.5% on gains above Rs 1,25,000 per financial year (Section 112A). On equity gains of Rs 1,75,000: exempt Rs 1,25,000, taxable Rs 50,000, tax Rs 6,500 (including 4% cess).
  • Equity STCG (held <12 months): 20% (Section 111A) — increased from 15% by Finance Act 2024. On Rs 1,00,000 STCG: tax = Rs 20,800.
  • Tax Harvesting: Sell equity investments annually to realise up to Rs 1.25L in long-term gains tax-free (within the annual exemption), then immediately repurchase the same units at the higher NAV. This resets your cost basis and avoids accumulated LTCG building up. A Indore professional with a Rs 10L+ equity portfolio should do this review every March.
  • Loss harvesting: Short-term capital losses can be set off against both STCG and LTCG. Long-term capital losses can only be set off against LTCG. Carry forward unused losses for up to 8 years.

Gold Capital Gains in Indore

Physical gold and gold ETFs have different treatment post Finance Act 2024:

  • Physical gold (jewellery, coins, bars): LTCG if held >24 months — 12.5% without indexation (Finance Act 2024). On Rs 5,00,000of gold with 30% appreciation over 3 years: gain Rs 1,50,000, LTCG tax Rs 19,500 (12.5% + 4% cess).
  • Sovereign Gold Bonds (SGBs): If held to maturity (8 years), redemption proceeds are fully exempt from capital gains tax — a significant advantage over physical gold. If SGBs are sold on the exchange before maturity: LTCG at 12.5% if held >12 months; STCG at 20% if less.
  • Gold ETFs and Gold Mutual Funds: Treated as debt MF for taxation (see below) — slab rate tax regardless of holding period (Finance Act 2023 change).

Debt Mutual Fund Capital Gains (Finance Act 2023 Change)

A significant rule change effective 1 April 2023: gains from debt mutual funds (where equity <35% of corpus) are now taxed at your income slab rate regardless of holding period — the previous 20% with indexation (for >3 years) is no longer available for new purchases after 31 March 2023. On Rs 50,000 debt MF gain: at 30% slab = Rs 15,600 tax; at 20% slab = Rs 10,400 tax. This makes debt MFs less tax-efficient than bank FDs for high-bracket Indore professionals — though FDs also face TDS and the same slab-rate taxation.

Disclaimer

Capital gains computations are based on Finance Act 2024 provisions effective 23 July 2024. Property cost of acquisition includes stamp duty and registration charges paid at purchase. LTCG on property does not include improvement costs and brokerage (these can also be added to cost). Grandfathering provisions apply for equity investments held before 31 January 2018. Section 54/54EC exemptions have specific compliance requirements and timelines. Surcharge applies for capital gains above Rs 50L in some categories. Consult a Chartered Accountant in Indore before any significant capital gains transaction.

Frequently Asked Questions — Capital Gains Tax in Indore

How much capital gains tax do I pay on selling a Indore property at Rs 3,800/sqft?

For a 900 sqft flat in Indore purchased at Rs 34.2L (including stamp duty Rs 2,56,500 + registration Rs 34,200), cost of acquisition is Rs 37.1L. If sold after 3 years at ~8% annual appreciation (Rs 43.1L), LTCG = Rs 6.0L. At 12.5% + 4% cess: LTCG tax = Rs 0.78L. If you reinvest the gain in another property under Section 54, or in 54EC bonds (up to Rs 50L), the entire gain can be tax-exempt. STCG (if sold within 24 months) at 30% slab would be Rs 1.86L — significantly higher. Plan your holding period accordingly.

Does stamp duty paid in Indore at 7.5% reduce my capital gains tax?

Yes — stamp duty and registration charges paid at the time of property purchase are part of your Cost of Acquisition and directly reduce your capital gain. For a Indoreproperty purchased at Rs 34.2L: stamp duty at 7.5% = Rs 2,56,500 and registration at 1% = Rs 34,200 are added to the purchase price, giving a total cost base of Rs 37.1L. This reduces your taxable LTCG by Rs 2,90,700, saving approximately Rs 37,791 in capital gains tax (12.5% + 4% cess). Similarly, renovation costs with valid receipts and brokerage paid at sale can be deducted from sale consideration.

What is the Rs 1.25 lakh equity LTCG exemption and how does it benefit Indore investors?

Section 112A provides a Rs 1,25,000 annual exemption on long-term capital gains from listed equity shares and equity mutual funds. This means the first Rs 1.25L of equity LTCG in any financial year is tax-free. At 12.5% LTCG rate, this exemption saves up to Rs 16,250/year (plus cess). For Indore's active SIP investors — particularly in Bengaluru and Hyderabad's tech sector where large SIP portfolios are common — the Tax Harvesting strategy (booking up to Rs 1.25L gain every March and reinvesting) resets cost basis annually, permanently eliminating the LTCG on those units. Over a 10-year period, consistent tax harvesting can save Rs 1.5-2L in total LTCG tax on a Rs 10L+ equity portfolio.

Can I avoid capital gains tax if I reinvest Indore property sale proceeds?

Yes, using Section 54 (for residential property) or Section 54EC (for NHAI/REC bonds). Under Section 54, if you sell a residential property in Indore and buy another residential property within 2 years (or construct within 3 years), the LTCG of Rs 6.0L is fully exempt. The new property must be in India. You can also deposit the gain amount in a Capital Gains Account Scheme (CGAS) at a nationalised bank before filing your ITR to preserve the exemption while you search for the right property. Under Section 54EC, invest up to Rs 50L in NHAI or REC 54EC bonds within 6 months of sale — capital gains up to Rs 50L are exempt, with the bonds locked in for 5 years at ~5.75% annual interest.

Indore's capital gains landscape is shaped by its dual economy: on one hand, Sarafa Bazaar bullion traders whose MCX gold futures and options gains are classified as non-speculative business income (not capital gains); on the other, Vijay Nagar IT professionals whose equity SIPs and property purchases create standard LTCG events. Finance Act 2024's property LTCG change (12.5% without indexation with grandfathering for pre-July 23, 2024 acquisitions) is particularly relevant for Indore's residential market which saw strong appreciation in the AB Road corridor and Vijay Nagar. A Vijay Nagar 2BHK purchased in 2010 for Rs 28L now selling for Rs 88L: New method Rs 60L × 12.5% = Rs 7.5L versus Old method: indexed Rs 28L × 363/167 = Rs 60.8L; LTCG Rs 27.2L × 20% = Rs 5.44L. Old method wins by Rs 2.06L for 2010 Vijay Nagar buyers where 3x appreciation still benefits from indexation. For Rajwada-area old city properties with pre-2001 acquisition dates: FMV April 1, 2001 valuation is critical. Equity LTCG above Rs 1.25L is taxed at 10% (raised from Rs 1L in Budget 2024). STCG on listed equity is 20% (raised from 15%). Indore's IIM Indore consultancy-income professionals and Rajwada textile traders both generate significant non-equity capital gains requiring careful Section 54F and 54EC planning.

Key Insight — Indore

Indore's defining capital gains insight is the Section 80G charitable donation cascading effect on old regime capital gains — where Indore's well-documented philanthropic culture (Holi Kumar Dhamani Trust, Indore-based Jain dharamshalas, ISKCON Indore) creates a unique tax planning opportunity for Sarafa traders and textile merchants with large business income. Under old regime: Section 80G charitable deductions reduce Gross Total Income, which reduces the taxable income on which slab-rate income is calculated. This indirectly reduces tax on business income (Head 4) but does NOT directly reduce LTCG (property LTCG at 12.5% or gold LTCG at 20% are calculated on the specific LTCG amounts separately). However, Section 80G affects the old regime slab calculation on ordinary income — if a Sarafa trader has Rs 50L business income + Rs 5L LTCG from property: 80G doesn't reduce the Rs 5L property LTCG tax (Rs 5L × 12.5% = Rs 62,500). But 80G DOES reduce taxable business income (say Rs 4L donation to 100% eligible trust → Rs 4L × 30% saved = Rs 1.2L in business income tax saved). The combined effect: 80G saves business income tax in old regime, while LTCG is saved through Section 54/54EC reinvestment. New regime: No 80G deduction available → old regime is preferred for high-business-income Indore traders who donate significantly. A Sarafa trader with Rs 40L business income + Rs 10L 80G donation + Rs 4L LTCG from plot sale: Old regime saves Rs 3L (80G saving) + Rs 500K (Section 54EC bond on Rs 4L LTCG portion). New regime: no 80G → Rs 1.2L less saving. Old regime is firmly better for philanthropic high-income Indore traders.

Indore's Financial Context and Capital Gains Calculator

Madhya Pradesh PT: Rs 2,496/year. Indore NON-METRO HRA: 40% of basic. Stamp duty MP (residential): 5% stamp + 3% surcharge + 1% registration ≈ 9% total (MP has high stamp duty — significantly adds to acquisition cost). Property LTCG: 12.5% without indexation (Finance Act 2024); grandfathering for pre-July 23, 2024 acquisitions. MCX commodity derivatives: non-speculative business income (Head 4) post-FY2018-19, NOT capital gains. Physical gold LTCG: 20% with indexation (24+ months holding). SGB maturity: exempt. CII 2024-25: 363. Vijay Nagar 3BHK 2012 Rs 36L → Rs 1.15Cr: New: Rs 79L × 12.5% = Rs 9.875L. Old: indexed Rs 36L × 363/200 = Rs 65.34L; LTCG Rs 49.66L × 20% = Rs 9.932L. New wins marginally by Rs 57K — extremely close for 2012 vintage. AB Road 2008 Rs 22L → Rs 90L: New: Rs 68L × 12.5% = Rs 8.5L. Old: indexed Rs 22L × 363/137 = Rs 58.3L; LTCG Rs 31.7L × 20% = Rs 6.34L. Old wins by Rs 2.16L. Scheme 140 (Scheme 54 area): upscale 3BHKs Rs 60L (2010) → Rs 2.2Cr: New: Rs 1.4Cr × 12.5% = Rs 17.5L. Old: indexed Rs 60L × 363/167 = Rs 130.4L; LTCG Rs 2.096Cr × 20% = Rs 41.92L. New wins decisively by Rs 24.42L. Section 54: one new residential property, 2 years / 3 years construction. Equity LTCG: 10% above Rs 1.25L. TDS: 1% on Rs 50L+ property.

Rajwada and Old City Properties — Pre-2001 FMV Valuation for Ancestral Havelis

Indore's historic Rajwada area and Sarafa Bazaar surroundings contain ancestral properties — merchant havelis and trading premises passed through generations. For capital gains on sale of these pre-2001 properties: the FMV as on April 1, 2001 is the deemed acquisition cost. The valuation of old Rajwada commercial premises is complex because: (a) Circle rates in Rajwada were significantly suppressed in 2001, not reflecting market reality; (b) Heritage status restrictions may affect current market value and hence influence retrospective FMV determination; (c) Mixed use (residential-commercial ground floor) creates valuation ambiguity. For a Rajwada ground-floor commercial property (part of ancestral haveli) with FMV 2001 Rs 25L, selling 2025 for Rs 1.8Cr: Old method: indexed Rs 25L × 363/100 = Rs 90.75L; LTCG Rs 1.8Cr - Rs 90.75L = Rs 1.0925Cr × 20% = Rs 21.85L. New method: Rs 1.55Cr × 12.5% = Rs 19.375L. New wins by Rs 2.475L for this old commercial property. Section 54F applicable: commercial property sale → if seller owns ≤ 1 residential house → reinvest entire Rs 1.8Cr in residential property → LTCG fully exempt. Most Rajwada traders already own residential property in Vijay Nagar or Scheme 114 — check the ≤ 1 house ownership condition. Alternatively, Section 54EC: invest Rs 50L in NHAI bonds → saves Rs 50L × 12.5% = Rs 6.25L (partial exemption only, as Rs 1.55Cr total gain far exceeds Rs 50L cap). For large Rajwada commercial property sales: Section 54F reinvestment (buying a new residential property) provides the largest shelter if eligibility conditions are met.

IIM Indore Faculty and Infosys TechnoHub — Equity Capital Gains from RSU and Consulting

IIM Indore faculty accumulate consulting income (Head 4, 44ADA at 50% presumptive) alongside institutional salary. Their equity capital gains primarily arise from long-tenure SIP investments in diversified equity funds (Parag Parikh Flexicap, HDFC Flexicap) — the conservative but steady approach typical of academic investors. The annual Rs 1.25L LTCG harvesting from SIPs is the cornerstone strategy: Every March, compute oldest SIP units' LTCG, redeem exactly Rs 1.25L worth of gain, repurchase next day. For an IIM faculty member with Rs 60L in equity MFs (Rs 18L invested over 7 years, Rs 42L current value = Rs 24L unrealized LTCG): Annual harvest: redeem units generating Rs 1.25L LTCG → immediate repurchase → zero LTCG tax annually → resets cost basis by Rs 1.25L/year. At Rs 1.25L/year: full Rs 24L harvested in 19 years. But portfolio grows further: the Rs 1.25L annual harvest is permanent perpetual planning while portfolio appreciates. Infosys Pune to Indore transfer employees: many IT professionals relocated to Indore TechnoHub with accumulated ESOPs. Infosys ESOPs held from Pune tenure, exercised and now to be sold from Indore residence: tax is filed in Indore (place of residence determines ITR filing location), same rules apply. Consulting income and ESOP gains in same year: the Rs 44ADA presumptive income doesn't interact with LTCG. Consulting GTI (50% of gross Rs 12L = Rs 6L) + salary Rs 22L + equity LTCG Rs 5L = total income Rs 33L. Only Rs 1.25L equity exemption → taxable LTCG Rs 3.75L × 10% = Rs 37,500 separately computed. New regime wins for combined income profile.

More Questions — Capital Gains Calculator in Indore

I'm a Sarafa gold trader and made Rs 8L profit from MCX gold options this year. I also sold a physical gold necklace (bought 2012 for Rs 2L, sold for Rs 8.5L). How is each taxed?

Two gold tracks, two tax regimes: Track 1 — MCX gold options profit (Rs 8L): Post-FY2018-19, SEBI-regulated commodity derivatives on MCX are non-speculative business income (Section 43(5)(e) exclusion). Rs 8L MCX profit is business income (Head 4). If you have other business income from Sarafa trading: MCX profit merges with business income. Tax: at slab rate. If total business income Rs 45L (including MCX Rs 8L): slab rate 30% on MCX portion = Rs 2.4L. MCX losses in future: can set off against other non-speculative business income. Importantly: MCX derivatives profit is NOT capital gains — 10% or 20% rates do NOT apply. The flat 30% (or relevant slab) applies. Track 2 — Physical gold necklace LTCG: Purchased 2012 (Rs 2L), sold 2025 (Rs 8.5L). Holding: 13 years > 24 months → LTCG. Gold LTCG rate: 20% with indexation (Finance Act 2024 did NOT change gold LTCG — only land/building was changed to 12.5%). CII 2012-13: 200. CII 2024-25: 363. Indexed cost: Rs 2L × 363/200 = Rs 3.63L. LTCG: Rs 8.5L - Rs 3.63L = Rs 4.87L × 20% = Rs 97,400 + cess = Rs 1,01,296. No annual exemption for gold (Rs 1.25L exemption only for equity). Combined total capital gains tax: Rs 1,01,296 (gold LTCG) + MCX at business income rate (Rs 2.4L). For new regime vs old regime: MCX and gold taxation are IDENTICAL in both regimes (MCX is business income before Chapter VI-A deductions; gold LTCG is special rate). The regime comparison only affects your ordinary salary/business income, not LTCG rates.

I'm planning to sell my AB Road 3BHK (purchased 2013 for Rs 45L including stamp+registration, selling 2025 for Rs 1.4Cr). I plan to invest Rs 50L in NHAI bonds and buy a Vijay Nagar flat for Rs 60L. How does the exemption work?

Combination Section 54 + Section 54EC planning: Step 1 — LTCG calculation: CII 2013-14: 220. New method: Rs 95L × 12.5% = Rs 11.875L. Old method: indexed Rs 45L × 363/220 = Rs 74.25L; LTCG Rs 65.75L × 20% = Rs 13.15L. New method wins by Rs 1.275L. LTCG: Rs 95L. Tax at 12.5%: Rs 11.875L. Step 2 — Section 54 (new residential property): Buying Vijay Nagar flat for Rs 60L. Section 54 exemption: proportional to LTCG reinvested. Since LTCG = Rs 95L and new property costs Rs 60L: Exempt LTCG = Rs 60L (entire cost of new property, limited to LTCG amount). Wait — Section 54 exempts the LOWER of (a) LTCG amount or (b) cost of new property. Since Rs 60L < Rs 95L LTCG: Rs 60L LTCG is exempt. Remaining LTCG: Rs 95L - Rs 60L = Rs 35L is still taxable. Step 3 — Section 54EC (NHAI bonds, Rs 50L): You can ALSO invest Rs 50L in NHAI bonds within 6 months. From the remaining Rs 35L taxable LTCG: Section 54EC exempts the bond investment amount (up to Rs 50L). Here the remaining LTCG is Rs 35L → invest Rs 35L in bonds → full remaining Rs 35L LTCG exempt. But you plan to invest Rs 50L in bonds which is more than needed — only Rs 35L investment is required to exempt remaining Rs 35L. Invest exactly Rs 35L in bonds instead. Result: Rs 60L in new flat (Section 54) + Rs 35L in NHAI bonds (Section 54EC) = Rs 95L total → full LTCG exempt → ZERO tax! Important: Sections 54 and 54EC CAN be combined for the same LTCG — you don't have to choose one. Total investment commitment: Rs 60L flat + Rs 35L bonds = Rs 95L. NHAI bond lock-in: 5 years.

Related Calculators — Indore

Explore other financial calculators with Indore-specific data and insights.

ELSS CalculatorinvestmentIncome Tax CalculatortaxStamp Duty CalculatorloanOld vs New Regimetax

Capital Gains Calculator — Other Cities

City-specific data — professional tax, HRA classification, property prices, salary benchmarks — changes the output significantly. Compare with other cities.

Metro Cities

MumbaiDelhiBengaluruHyderabadChennaiKolkataGurgaonNoidaAhmedabad

Other Cities

PuneJaipurLucknowChandigarhKochiCoimbatoreNagpurBhopalThiruvananthapuramGoa
InsuranceCalculatorsInvestTaxLoansNRIMBAHNIAI
Oquilia

150+ calculators · Zero commissions

Oquilia

Intelligent financial analysis. 150+ calculators & unbiased analysis.

Data: IRDAI · RBI · SEBI · AMFI

Calculators

  • SIP
  • EMI
  • Income Tax
  • FD
  • PPF
  • NPS
  • Gratuity
  • HRA
  • ELSS
  • All 150+

Insurance

  • Compare Plans
  • Companies
  • Claims Data
  • Hospitals
  • Health Premium
  • Term Premium
  • Section 80D

Tax & Loans

  • Old vs New
  • Capital Gains
  • TDS
  • Home Loan EMI
  • Car Loan EMI
  • Rent vs Buy
  • Prepayment

More Tools

  • Invest Hub
  • Tax Planning
  • Loan Tools
  • NRI Hub
  • MBA Finance
  • HNI Wealth
  • Glossary
  • News
  • Blog
  • Reports
  • Tools
  • Oquilia Advisor

Company

  • About
  • Contact
  • FAQ
  • Legal Hub
  • Privacy
  • Terms
  • Disclaimer
  • Cookie Policy
  • Grievance
  • Disclosure

© 2026 Oquilia. Not a licensed financial advisor. All third-party logos and trademarks belong to their respective owners.

PrivacyTermsDisclaimerSitemap