Tax term

Capital Gains

A plain-English definition of Capital Gains— what it means, how it works, and a simple example.

Quick answer

A capital gain is the profit you make when you sell an asset, such as shares or property, for more than you paid for it — and it is taxable.

If you buy shares for ₹1 lakh and sell them for ₹1.5 lakh, your capital gain is ₹50,000. The tax you pay depends on the holding period, which splits gains into short-term and long-term.

For listed equity and equity mutual funds, gains on holdings of over one year are long-term and taxed at 12.5% above a ₹1.25 lakh yearly exemption. Sell within a year and the gain is short-term, taxed at 20%.

Different rules and rates apply to property, debt funds and gold. Holding longer usually means a lower tax rate, which rewards patient investing, and losses can often be set off against gains to reduce the tax.

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A note on accuracy:this definition is for general education, not personalised financial or tax advice. Figures are illustrative and rules can change — confirm anything that affects a real decision.