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Capital Gains with Indexation
Long-term capital gains on property with CII indexation benefit.
Capital Gains with CII Indexation
LTCG on property — compares 20% with indexation vs 12.5% without.
Property
CII Indexation Details
CII (purchase year)
254
CII (sale year)
363
Indexed cost of acquisition
₹28,58,268
Option A — 20% with Indexation
For property purchased before Jul 23, 2024
Indexed total cost: ₹28,58,268
Indexed capital gain: ₹21,41,732
₹4,28,346
Estimated tax (20%)
Option B — 12.5% without Indexation
Applicable post Jul 23, 2024 or as chosen
Plain capital gain: ₹30,00,000
₹3,75,000
Estimated tax (12.5%)
Budget 2024 changed LTCG rules. For property purchased before Jul 23, 2024, you may choose the lower of Option A or Option B. For property purchased after Jul 23, 2024, only 12.5% without indexation applies. Surcharge and cess not included. Consult a CA.
FAQ
Frequently Asked Questions
Quick answers to the questions we hear most often.