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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Anil Rego |388 Answers |Ask -Follow

Financial Planner - Answered on Nov 27, 2020

Anil Rego is the founder of Right Horizons, a financial and wealth management firm. He has 20 years of experience in the field of personal finance.
He’s an expert in income tax and wealth management.
He has completed his CFA/MBA from the ICFAI Business School.... more

Question by subodh on Nov 27, 2020English

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मुझे इक्विटी म्यूचुअल फंड की बिक्री से अल्पावधि और अल्पावधि दोनों से पूंजीगत हानि हुई है। दीर्घकालिक। लेकिन डेट म्यूचुअल फंड की बिक्री से लंबी अवधि में फायदा होता है. इनकम टैक्स की गणना कैसे की जाएगी? लाभ प्राप्त कर सकते हैं & नुकसान को जोड़ा जाएगा या उस पर अलग से टैक्स लगेगा? आपकी सलाह पाकर आभारी रहूँगा।</p>

Ans: बजट 2018 में उल्लिखित संशोधन के अनुसार, यदि आपको 31-03-2018 के बाद इक्विटी फंड बेचने पर कोई पूंजीगत हानि हुई है, तो आप इसे किसी भी एलटीसीजी से समायोजित कर सकते हैं।</p> <p>अल्पकालिक पूंजीगत घाटे को दीर्घकालिक और दीर्घकालिक दोनों के विरुद्ध समायोजित करने की अनुमति है; अल्पकालिक लाभ.</p> <p>यदि आप एक ही वर्ष में अल्पावधि और अल्पावधि दोनों में संपूर्ण पूंजीगत हानि की भरपाई करने में असमर्थ हैं; दीर्घकालिक पूंजीगत घाटे को 8 मूल्यांकन वर्षों तक आगे बढ़ाया जा सकता है।</p>

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Anil Rego |388 Answers |Ask -Follow

Financial Planner - Answered on Nov 27, 2020

Question by subodh - Nov 27, 2020English

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मेरे पास पूंजीगत लाभ के लिए एक प्रश्न है: मैंने डेट म्यूचुअल फंड से 3,00,000/- रुपये का दीर्घकालिक (3 साल बाद) पूंजीगत लाभ कमाया है। इंडेक्सेशन के बाद लाभ घटकर 274000/- रुपये हो जाता है। मुझे इक्विटी म्यूचुअल फंड से 1,80,000 रुपये का दीर्घकालिक पूंजीगत नुकसान (1 वर्ष के बाद) भी हुआ है। कृपया लाभ/हानि के समायोजन के बाद इन लाभ/हानि की कर देयता के बारे में मेरी मदद करें। संबंधित वित्तीय वर्ष 2019-2020 है।</p>

Ans: हां, यदि आपको 31-03-2018 के बाद इक्विटी फंड बेचने पर कोई पूंजीगत हानि हुई है, तो आप इसे किसी भी एलटीसीजी के विरुद्ध समायोजित कर सकते हैं। आपके मामले में, आप इस दीर्घकालिक पूंजीगत हानि को दीर्घकालिक ऋण एमएफ पूंजीगत लाभ के विरुद्ध समायोजित कर सकते हैं। और शेष लाभ केवल कर योग्य होगा।</p>

Tejas Chokshi | Answer |Ask -Follow

Tax Expert - Answered on Jun 12, 2023

Question by Lalit - Jun 09, 2023English

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सर, मुझे 524352 का दीर्घकालिक लाभ और 932400 का अल्पकालिक लाभ और 512352 का F&O नुकसान हो रहा है। कोई अन्य आय नहीं है। कृपया सलाह दें कि मेरी कर देनदारी की गणना कैसे की जाएगी।

Ans: प्रदान की गई जानकारी के आधार पर भारत में आपकी कर देनदारी की गणना करने के लिए, हमें दीर्घकालिक पूंजीगत लाभ (एलटीसीजी) और अल्पकालिक पूंजीगत लाभ (एसटीसीजी) के लिए कर दरों, साथ ही वायदा और विकल्प से होने वाले नुकसान के उपचार पर विचार करने की आवश्यकता है। (एफ एंड ओ)।

दीर्घकालिक पूंजीगत लाभ (एलटीसीजी):

यदि लाभ रुपये से अधिक है तो शेयरों पर एलटीसीजी 10% की दर से कर योग्य है। 1 लाख.
आपके मामले में, एलटीसीजी रु. 524,352, जो रुपये की सीमा से नीचे है। 1 लाख. इसलिए, एलटीसीजी पर रुपये के 10% की दर से कर देय है। 424,352 = रु. 42435/=
अल्पकालिक पूंजीगत लाभ (STCG):

शेयरों पर एसटीसीजी लागू आयकर स्लैब दरों पर कर योग्य है।
यह मानते हुए कि आप 30% की उच्चतम आयकर स्लैब दर के अंतर्गत आते हैं, एसटीसीजी पर कर की गणना इस प्रकार की जाएगी:
एसटीसीजी कर = एसटीसीजी * कर की दर
= 932,400 * 30%
= 279,720
वायदा और विकल्प (एफएंडओ) से हानि:

F&O घाटे को दीर्घकालिक और अल्पकालिक पूंजीगत लाभ दोनों के विरुद्ध समायोजित किया जा सकता है।
आपके मामले में, F&O हानि रु. 512,352.
चूँकि आपके पास दीर्घकालिक और अल्पकालिक दोनों लाभ हैं, आप इन लाभों के विरुद्ध F&O हानि को समायोजित कर सकते हैं।
कर देनदारी की गणना:

शुद्ध अल्पकालिक पूंजीगत लाभ (STCG): 932,400

F&O हानि:-512,352

कर योग्य अल्पकालिक पूंजीगत लाभ: 932,400 - 512,352 = 420,048

अल्पकालिक पूंजीगत लाभ पर कर: 420,048 * 30% = 126,014.40

कुल कर देयता:
कर देयता = अल्पकालिक पूंजीगत लाभ पर कर
= 126,014.40

दीर्घकालिक पूंजी = 42435=20

Samkit Maniar |180 Answers |Ask -Follow

Tax Expert - Answered on Feb 03, 2024

Question by Waman - Jan 20, 2024English

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मुझे भारत में एक संपत्ति बेचने से दीर्घकालिक पूंजी हानि हुई है। पूंजी हानि की गणना अधिग्रहण की अनुक्रमित लागत और प्रतिफल के मूल्य (यानी बिक्री मूल्य) पर विचार करके की गई थी। मेरी क्वेरी है - - क्या संपत्ति की बिक्री से होने वाली दीर्घकालिक पूंजी हानि को इक्विटी शेयरों/इक्विटी योजनाओं की म्यूचुअल फंड इकाइयों की बिक्री से होने वाले दीर्घकालिक पूंजीगत लाभ से समायोजित किया जा सकता है?

Ans: दीर्घकालिक पूंजीगत हानि को केवल दीर्घकालिक पूंजीगत लाभ (या तो उसी वर्ष या उसके बाद के 8 वर्ष) के विरुद्ध समायोजित किया जा सकता है।

तदनुसार, आप इक्विटी शेयरों/म्यूचुअल फंडों पर दीर्घकालिक लाभ के मुकाबले घरेलू संपत्ति पर दीर्घकालिक नुकसान की भरपाई कर सकते हैं।

कृपया अपने सीए से भी मार्गदर्शन लें।

नवीनतम प्रश्न

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Question by Nidhi - May 15, 2025

Career

Kiit Kalinga university me btech biotechnology me registration ho gya hai 75000 registration fees bhi jma ho chuki hai lekin cbse ka result ab aaya hai marks 60% aur pcb me 50+ hai ayesa na ho ki registration reject ho jaye kya admission ho jayega

Ans: Hi Nidhi,
greetings.
According to the prospectus, you are not eligible for admission to KIIT for the B.Tech in Biotechnology program.
The basic requirement for B.Tech and M.Tech in Biotechnology is that you must pass 10+2 or an equivalent exam with at least 60% marks in Physics, Chemistry, and Mathematics/Biology/Biotechnology combined.

Since you have only achieved 50%, I recommend considering other courses such as Nursing or Pharmacy instead of Biotechnology.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Asked by Anonymous - May 15, 2025

Career

Hello sir.Could you pls suggest best colleges for pharmacy sciences in Punjab? I will be very thankful to you

Ans: Hi,

Punjab is not a district; it is a state. To gain admission into an undergraduate (UG) program, you must either write an entrance exam or go through the state selection board. Given this context, it is challenging to provide specific advice.

If you are interested in pursuing pharmacy, visit the website of the respective college to find information about the Standards of Instruction for Pharmacy (SIF) through the Pharmacy Council of India (PCI). The institution may have shared important details about their programs. You can choose colleges based on their infrastructure.

Don’t focus solely on placements. If you have the right skills, you will naturally secure a placement. However, do not stop at completing your UG; you should also aim to pursue a postgraduate (PG) program, as it will provide you with more exposure.

If financial constraints prevent you from pursuing PG studies, consider entering pharma marketing after completing your UG. There are plenty of opportunities to excel in marketing.

If you would like get more information, please come to me with a selected list of colleges, and I will be able to assist you further.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Asked by Anonymous - May 15, 2025

Career

What is neet 2025 cutoff for self financing colleges

Ans: Hi,
There are many parameters that need to be decided, perhaps between 350 and 580.

BEST WISHES.

POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Asked by Anonymous - May 15, 2025

Career

Sir With 94 marks in manipal exam and 75 percent in boards ,what branch can i expect in main manipal campus.

Ans: Hi, you have shared the marks of the board and entrance exams. Which course are you planning to pursue? You did not share that detail. Kindly share the information so that I can help you.

POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Question by Rajiv - May 15, 2025

Career

My son was born in Maharashtra, and has a Birth-certificate of Maharashtra, but we are permanent residents of Delhi. Is my son eligible to get its benefit in terms of local reservation in MHTCET-2025/

Ans: Hi Rajiv,
As your son born in Maharashtra, you cannot claim a domicile certificate from Maharashtra. To be eligible for a domicile certificate, one needs to have resided in the state for the last 15 years. Therefore, having only a birth certificate is not sufficient. I hope I have answered your question.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Question by Fathima - May 15, 2025

Career

12 CBSE Improvement exam 2025- when is the improvement exam gonna be held and only in one subject can we write or more ?

Ans: Hi Fathima,
Your query is very brief and lacks sufficient detail.
Could you please explain why you want to take the improvement exam? Is it necessary?
Kindly share more details about your query so I can assist you better.

POOCHO. LIFE CHANGE KARO.

Vipul Bhavsar |83 Answers |Ask -Follow

Tax Expert - Answered on May 15, 2025

Asked by Anonymous - Jan 31, 2025

Money

My relative has 2 residential houses (H1,H2) and 2 residential sites(S1,S2). She plans to sell house H2 and buy a residential flat H3 in my her spouse name. She plans to claime capital gains under Section 54. Later she plans to sell sites S1,S2 and buy a residential flat H4 in her name. She plans to captial gains exemption under section 54F. Since at point of sale of sites, she only has only house H1 in her name, she can claim exemption under section 54F. She seems to meet all the conditions for section 54, 54F. Is this possible?

Ans: This is possible, but it is strongly advisable to consult a CA in order to correctly study the case and get desired outcome

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

Vipul Bhavsar |83 Answers |Ask -Follow

Tax Expert - Answered on May 15, 2025

Asked by Anonymous - Feb 16, 2025

Money

Sir, I got retired on 30-Jun-24 after attaining the age of 58. I do not have any further contribution to PF. I would like to know if PF gives interest for next 3 years. In other words, when I withdraw PF at the age of 61 in Jun-2027, would PF have paid interest for 3 years from Jul-24 to Jun-27.

Ans: If no contributions are made for more than three years after retirement, the account becomes inoperative.
It stops earning interest.
The existing balance remains safe.

Vipul Bhavsar |83 Answers |Ask -Follow

Tax Expert - Answered on May 15, 2025

Question by arun - Feb 24, 2025

Money

we intend to dispose 2 prop. do v need to keep this amount in cg separately or in one a/c. if v intend buy prop in 2 years can v keep in fd saving or cg is compulsory. how many prop can b bought from deal. in my case I have already committed around 40% amount in a prop in instalments, for which I have already paid one instalment from my pocket. can I take this amount which is pre deal from deal. balance need to b kept in cg or sfd and if I invest in 2 yrs still I need cg. since my wife is also disposing her prop and if v acquire prop in 2 yrs do v need to invest in cg. if v buy a joint property can v both invest from our deal amount in a joint property. what will b tax liability.

Ans: Pointwise answers are as follows:
1. Amount to be kept in Separate CG account for each property
2. keeping in CG Scheme is compulsory within 6 months from date of sale or due date of filing of Return of income, whichever is earlier
3. Predeal commitment can be considered if not more than 1 year before from date of sale
4. Your wife can claim CG exemption and pay tax, if any separately for the property sold by her

It is advisable to consult CA as your case needs careful understanding and execution to claim exemptions and minimize taxes if any

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

Vipul Bhavsar |83 Answers |Ask -Follow

Tax Expert - Answered on May 15, 2025

Asked by Anonymous - Mar 19, 2025

Money

Dear Experts, I have sold my flat for Rs 73 lacs in Thane, Maharashtra. I would like to know whether I am eligible to pay capital gains? I had bought in 2016. Moreover how do I invest this amount, I am not intending to purchase any new property. So suggest any other way out. Thanks in advance.

Ans: We need folllwing information in order to calculate Capital Gain and tax on it.
1. Purchase agreement of the property sold
2. Details of your income apart from this capital gain transaction

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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