Your Equity Gains
Book up to ₹1.25 L of long-term equity gains each year and re-buy — the tax you save adds up.
Breakdown
Booking up to ₹1.25 L of long-term equity gains each financial year — and re-buying — uses the yearly exemption before it resets. Letting the whole gain build and realising it once means only one exemption offsets a much larger taxable amount.
AI Insights
DhanRadar AIHarvesting saves ₹1,46,250 over 10 yrs because each year you get a fresh ₹1.25 L exemption. Only the gain above the exemption (₹75,000/yr) is taxed at 12.5% + 4% cess.
Re-buying immediately after booking the gain resets your cost basis, so future growth is tracked from the new price. There is no wash-sale rule in India for equity mutual funds — the timing flexibility is yours to use.
For education only — not tax advice. An estimate at FY 2025-26 rates; assumes a steady gain and ignores transaction costs and wash-sale-style timing. Consult a qualified professional.
Related Calculators
Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.