Capital & Trading Loss Set-Off and Carry Forward
Using capital, F&O and speculative losses to cut future tax
- 1MapLosses by year and type tabulated.
- 2UseSet off in the right order.
- 3CarryBalance carried forward in time.
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 Capital & Trading Loss Set-Off and Carry Forward
A clear overview, in simple terms — what it is, why it matters, and how we handle it.
Short-term capital losses can be set off against any capital gains; long-term capital losses only against long-term gains; both carry forward for eight years. F&O (non-speculative business) losses can be set off against any income except salary in the same year, then carried forward for eight years against business income. Speculative losses offset only speculative income and carry forward for four years. Losses can be carried forward only if the return is filed by the due date.
The single most expensive mistake traders make is filing late: a belated return still lets you file, but loses the carry-forward of business and capital losses for that year (house property loss and unabsorbed depreciation are exceptions).
We track losses year by year in Schedule CFL so every rupee is used in the right order, and plan harvesting of gains against carried-forward losses before they expire.
| STCL | Against STCG or LTCG; 8 years |
|---|---|
| LTCL | Against LTCG only; 8 years |
| F&O loss | Against any head except salary; 8 years against business income |
| Speculative loss | Against speculative income; 4 years |
| Condition | Return filed by the due date |
Who this is for
Common scenarios where this service is a good fit.
- Investors with capital losses
- Traders with F&O or intraday losses
- Anyone who filed late and lost carry-forwards
What you get
Clear deliverables so you know exactly what's included.
- Loss mapping across years
- Schedule CFL
- Harvesting plan
- Filing on time
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.
Losses by year and type tabulated.
Set off in the right order.
Balance carried forward in time.
Get a quote
We share a clear quote on WhatsApp after a quick checklist pre-check.
- Fixed quote on WhatsApp after a short look at your facts and documents.
- Government fees, if any, are paid at actuals and shown separately.
| 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.
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.
