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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

भारत में संपत्ति बेचने वाले एनआरआई: इंडेक्सेशन बनाम एलटीसीजी टैक्स?

T S Khurana |463 Answers |Ask -Follow

Tax Expert - Answered on Sep 24, 2024

A certified management accountant since 1993, T S Khurana is a fellow member of The Institute of Cost Accountants of India. His areas of expertise are income tax, specifically litigation cases, and GST.

Since the last 21 years, he has also been providing expert advice on financial matters, including investments and diversification of funds, and wealth building in the long term to his clients.
He believes that investment in real estate is the safest way for better returns and wealth generation over a period of time.

A former chairman of the Chandigarh Chapter of Institute of Cost Accountants of India, T S Khurana has also served as member of its technical committee.... more

Asked by Anonymous - Sep 22, 2024English

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मैं जर्मनी में रहने वाला एक एनआरआई हूँ। मैं भारत में अपनी संपत्ति बेचना चाहता हूँ, जिसे मैंने 2004 में खरीदा था। मौजूदा आयकर नियमों के अनुसार, क्या मुझे इंडेक्सेशन का लाभ मिलेगा या एनआरआई होने के नाते मुझे संपत्ति की बिक्री पर एलटीसीजी टैक्स देना होगा। कृपया स्पष्ट करें। धन्यवाद।

Ans: एनआरआई को वित्त वर्ष 2024-25 से इंडेक्सेशन के बिना 12.50% की दर से एलटीसीजी का भुगतान करना होगा। वर्तमान आयकर प्रावधानों के तहत आप इंडेक्सेशन लाभ के लिए पात्र नहीं होंगे। किसी भी अतिरिक्त स्पष्टीकरण के लिए आपका स्वागत है। धन्यवाद।

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

Mihir Tanna |1053 Answers |Ask -Follow

Tax Expert - Answered on Oct 03, 2022

Question by Neeraj - Oct 03, 2022English

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मैंने मार्च 2012 में बिल्डर से 30.89 लाख रुपये की मूल कीमत + लगभग 3% जीएसटी के साथ एक घर बुक किया। मैंने जुलाई 2012 तक लगभग 12.37 लाख रुपये + जीएसटी का भुगतान किया और समान मासिक किस्तों में 31.05.2013 तक लगभग 18.52 लाख रुपये + जीएसटी का भुगतान किया।</p> <p>मार्च 2016 में, मैंने लगभग 1 लाख रुपये का ईडीसी, फ्रीहोल्ड शुल्क के रूप में 1.43 लाख रुपये, 2.27 लाख रुपये का स्टांप शुल्क और 0.20 लाख रुपये का रजिस्ट्री शुल्क, कुल मिलाकर 35.79 लाख रुपये + जीएसटी का भुगतान किया।</p> <p>जीएसटी सहित कुल लागत लगभग 37.00 लाख रुपये है। रजिस्ट्री जनवरी 2017 में निष्पादित की गई थी। अब, मुझे सितंबर 2022 में 72 लाख रुपये पर अपनी संपत्ति बेचने की उम्मीद है। मेरे पास निम्नलिखित प्रश्न हैं:<br /> <br /> 1. क्या मुझे बिल्डर को किए गए भुगतान की तारीख या रजिस्ट्री की तारीख से इंडेक्सेशन लाभ मिलेगा?</p> <p>2. क्या मुझे पूंजीगत लाभ खाता खोलने की आवश्यकता है या क्या मैं अपने नियमित बचत खाते में बिक्री आय प्राप्त कर सकता हूं और एलटीसीजी को चुने हुए बांड में निवेश कर सकता हूं?<br /> 3. क्या मुझे संपूर्ण बिक्री आय को अधिसूचित बांडों में जमा करने की आवश्यकता है या इंडेक्सेशन के बाद केवल एलटीसीजी और शेष धनराशि का उपयोग कर को आकर्षित किए बिना किसी भी तरीके से करना होगा? <br /> 4. क्या मेरी संपत्ति के अधिग्रहण की लागत में जीएसटी शामिल होगा?</p>

Ans: इंडेक्सेशन लाभ बिल्डर को भुगतान की तिथि से उपलब्ध होगा।</p> <p>यदि आप बांड में निवेश करके कर छूट का लाभ उठाना चाहते हैं, तो आपको संपत्ति के हस्तांतरण के 6 महीने के भीतर बांड में कर योग्य पूंजीगत लाभ (इंडेक्सेशन का लाभ लेने के बाद प्राप्त) की राशि का निवेश करना होगा।</p> <p>तदनुसार, बिक्री आय को नियमित बचत खाते में प्राप्त किया जा सकता है और इसे तब तक रखा जा सकता है जब तक आप निर्दिष्ट बांड में निवेश नहीं करते।</p>

Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Feb 07, 2024

Question by Avion - Feb 07, 2024English

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मैंने जनवरी 2024 में 1.1 करोड़ रुपये में एक वाणिज्यिक संपत्ति बेची। 2017 में मेरी खरीद कीमत 93.5 लाख थी। इंडेक्सेशन लागू करने के बाद संपत्ति का वर्तमान मूल्य लगभग 1.15 करोड़ है। क्या आप कृपया मुझे बता सकते हैं कि क्या मैं किसी एलटीसीजी कर के लिए उत्तरदायी हूं?

Ans: नहीं, आप किसी भी एलटीसीजी कर के लिए उत्तरदायी नहीं हैं। आपको वास्तव में शुद्ध दीर्घकालिक नुकसान हुआ है।

Anil Rego |388 Answers |Ask -Follow

Financial Planner - Answered on Jul 31, 2024

Question by Sunil - Jul 30, 2024English

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महोदय, मैंने 30 जून 2024 को पंजीकृत बिक्री विलेख निष्पादित करके अपनी आवासीय संपत्ति बेच दी है, क्या मैं LTCG कर गणना के लिए अनुक्रमण का हकदार हूं या नहीं।

Ans: नमस्ते,
रियल एस्टेट के लिए LTCG में बदलाव 23 जुलाई, 2024 से प्रभावी हो गया है। चूँकि आपने इस तिथि से पहले संपत्ति बेची है, इसलिए आपको इंडेक्सेशन के साथ पुराने कराधान पर LTCG के लिए आवेदन करने में सक्षम होना चाहिए।

सादर,
अनिल रेगो,
संस्थापक और सीईओ,
राइट होराइजन्स

T S Khurana |463 Answers |Ask -Follow

Tax Expert - Answered on Aug 30, 2024

Question by Giridhar - Aug 14, 2024English

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महोदय, मैंने 29 जून 2024 को अनुबंध निष्पादित करके अपनी आवासीय संपत्ति बेचने का फैसला किया है, अभी भी पंजीकरण पूरा होने की प्रतीक्षा कर रहा हूं, क्या मैं LTCG कर गणना के लिए इंडेक्सिंग का हकदार हूं या नहीं।

Ans: बजट में प्रस्तावित परिवर्तनों के तहत, आप निम्न में से कोई भी विकल्प चुन सकते हैं (दीर्घकालिक पूंजीगत लाभ के मामले में):
(01). इंडेक्सेशन के बिना कर दर 12.50% या
(02). इंडेक्सेशन के मामले में कर दर 20%।
आप दोनों विकल्पों के तहत अपनी कर देयता की गणना कर सकते हैं और उस कर व्यवस्था को चुन सकते हैं, जहाँ कर देयता न्यूनतम है।
किसी भी अन्य स्पष्टीकरण के लिए आपका स्वागत है। धन्यवाद।

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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