Tax Loss Harvesting
Lower this year's capital gains tax by booking losses and using the yearly exemption
- 1ReviewGains and holdings in Feb–Mar.
- 2RecommendSales that save tax.
- 3ReportLosses reported and carried forward.
Share your details. We’ll reply on WhatsApp with the next steps and a checklist.
Pick a plan — the fee is adjusted if you hire us within 30 days.
About Tax Loss Harvesting
A clear overview, in simple terms — what it is, why it matters, and how we handle it.
Tax-loss harvesting means selling investments at a loss before 31 March to offset gains made in the same year. Short-term losses offset both short- and long-term gains; long-term losses offset only long-term gains; unused losses carry forward for eight years if the return is filed on time. Many investors also sell and rebuy equity to use the ₹1.25 lakh long-term exemption each year.
We review your realised gains and unrealised positions in February and March, show which sales cut tax and by how much after costs, and make sure the losses are reported so they can be carried forward.
| Short-term loss | Offsets short- and long-term gains |
|---|---|
| Long-term loss | Offsets long-term gains only |
| Carry forward | 8 years, if the return is filed by the due date |
| Annual exemption | ₹1.25 lakh LTCG on listed equity |
| Crypto | Losses can't be set off |
Who this is for
Common scenarios where this service is a good fit.
- Investors with realised gains
- Active traders
- Mutual fund investors rebalancing
What you get
Clear deliverables so you know exactly what's included.
- Gains and positions review
- Harvesting recommendations with tax saved
- Reporting in the return
Expert review before every submission — not just data entry.
Working notes and reconciliations you can rely on in future notices.
Resident Indians, NRIs, expats and cross-border businesses — all served.
Documents required
A practical checklist. We'll tell you if anything else is needed based on your case.
* This is a base checklist. After a quick pre-check, we may ask for additional items specific to your case.
Process
A simple, trackable workflow — designed to avoid back-and-forth.
Gains and holdings in Feb–Mar.
Sales that save tax.
Losses reported and carried forward.
Get a quote
We share a clear quote on WhatsApp after a quick checklist pre-check.
- Fixed fee per review; included for capital gains ITR clients who book by February.
| Factor | DIY | Indus Tax |
|---|---|---|
| Expert review | ❌ | ✅ |
| Notice risk reduction | ❌ | ✅ |
| Deduction optimisation | ❌ | ✅ |
| Audit-ready records | ❌ | ✅ |
| AIS/26AS reconciliation | ❌ | ✅ |
Share your facts and deadline. We'll reply with the right checklist and a clear quote.
Fee adjusted against our service fee if you go ahead within 30 days.
- Priority CA Call-backSkip the queue — a CA calls you within 30 minutes.₹255
- RecommendedCA Consultation (30 min)Talk one matter through properly with a CA.₹755
- In-depth CA Review (60 min)Documents reviewed before the call, written action plan after.₹1,155
Call-backs run Mon–Sat, 9 AM–6 PM IST. Booked outside these hours? We call you first thing the next working morning.
Compare the 3 plansFrequently asked questions
Answers to the most common questions we get.
This page also covers
- Gain harvesting
- Using the ₹1.25 lakh exemption every year.
Official sources
Indus Tax is a private professional services firm and is not affiliated with any government authority. Rules and fees change — we confirm current positions before filing.
