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NRI capital gains tax calculator.

The July 2024 overhaul rewrote India's capital-gains rates: 12.5% long-term without indexation, 20% short-term on listed equity, and a ₹1.25 lakh exemption on listed gains. Estimate what you owe as a non-resident — and what the payer will withhold before you see the money.

Asset sold Sale price (₹) Cost of acquisition (₹) Holding period (months)

Estimated tax (incl. 4% cess)

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Classification—

Capital gain—

Taxable gain (after exemption)—

Effective rate on gain—

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Assumes a sale on or after 23 July 2024. Short-term gains on unlisted shares, property and debt funds are modelled at the 30% top slab + cess; your slab may be lower. Excludes surcharge, Section 54/54F/54EC reinvestment reliefs, and treaty relief. Non-residents cannot set the basic exemption against Section 111A/112A gains and get no Section 87A rebate. Not tax advice.

The TDS reality for NRIs

Residents pay this tax through advance tax. As a non-resident, the payer withholds it first: the buyer of your property withholds on the full sale price under Section 195, and mutual funds withhold on redemption gains (see how NRI mutual-fund gains are taxed). When the withholding exceeds the tax you actually owe — which is usual — the difference comes back only through a filed return, or never leaves your hands if you obtain a Form 13 lower-deduction certificate before the sale.

Reliefs the calculator ignores

Reinvesting property gains in another Indian residential property (Section 54 / 54F) or in 54EC bonds within six months can eliminate the long-term tax entirely — size the saving on the exemption calculator. Treaty residents should also check the capital-gains article — a few treaties, and the grandfathering under the Singapore and Mauritius treaties for pre-2017 share acquisitions, can change the answer. Run the DTAA rate checker for the withholding side.

This estimator is general information, not tax advice. Speak with the Pravasi Desk for a computation on your facts — including exemptions, surcharge and repatriation.

Frequently asked questions

As an NRI, do I pay this tax through advance tax like a resident?

No — the payer withholds it first: the buyer of your property withholds under Section 195, and mutual funds withhold on redemption gains, before you see the money.

What happens if the withholding is more than the tax I actually owe?

The difference comes back only through a filed return — or never leaves your hands at all if you obtain a Form 13 lower-deduction certificate before the sale.

What reliefs does this calculator not account for?

Section 54/54F/54EC reinvestment reliefs and treaty relief — reinvesting property gains in another Indian residential property or 54EC bonds within six months can eliminate the long-term tax entirely.

How are mutual funds taxed for an NRI — equity versus debt?

Equity funds: units held over 12 months are long-term, taxed at 12.5% above the ₹1.25 lakh exemption; held 12 months or less, short-term at 20% (rates from 23 July 2024). Debt funds bought on or after 1 April 2023 get no long-term benefit — the whole gain is taxed at your slab rate under Section 50AA, whatever the holding period. For NRIs the fund house withholds TDS under Section 195 at these rates (debt at the highest slab), so over-withholding is common and recovered by filing a return — and a DTAA may reduce or exempt the gain depending on your country of residence. As of FY2025-26.

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