Question 1

What are the 12 / 24 / 36-month thresholds?

Accepted Answer

Listed equity and equity mutual funds need >12 months for LTCG. Immovable property and unlisted shares need >24 months. Other assets such as debt MFs and physical gold generally need >36 months, subject to specific rules.

Question 2

Why does the sell date matter?

Accepted Answer

The holding period is counted from the date of acquisition to the date of sale/transfer. Both dates are included in the calendar calculation.

Question 3

Is the threshold 'more than' or 'more than or equal to'?

Accepted Answer

It is 'more than'. Holding for exactly 12 months is still short-term; you need even one extra day.

Question 4

Do debt mutual funds follow the 36-month rule?

Accepted Answer

Certain debt MFs are always short-term regardless of holding period under current rules. This tool classifies the period only; confirm the actual taxability with a CA.

Question 5

Does this calculator compute the tax amount?

Accepted Answer

No. It only classifies the holding period as short-term or long-term. The applicable tax rate depends on the asset type and acquisition date.

Capital Gains Holding Period Calculator (STCG vs LTCG)

Frequently asked questions