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Ajit

Ajit Mishra  | Answer  |Ask -

Answered on Dec 07, 2020

NITA Question by NITA on Dec 07, 2020Hindi
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OVER THE MORE THAN 20 YEARS ACCUMULATED FOLLOWING SHARES .PLEASE ADVISE. WANT TO RESUFFLE.

Ans:

EDELWEISS@80@ 48 -- Hold
CPSEETF. 396 @28- Hold

GAIL@34 @ 130 - Hold

GEOJIT 50@112- - Hold

HUB TOWN@6. @560- Exit

HUDCO@200@60 - Exit

JSW STEEL 30@288 - Hold

ISIBARS. 200 @ 10 – Exit

NTPC@120@ 115 - Hold

NTPC N 7@100@13.31 - Hold

LT 60@ 850 - Hold

ONGC. 150@ 148 - Hold

POWER GRID 125@ 110 - Hold

PRAJ IND. 95@. 122 - - Hold

RCOM@229@564 - Exit

REL INFRA. 12 @. 0 - Exit

RHFL@8 @. 0 - Exit

REL CAPITAL. 8 @ 0- Exit

R POWER 195 @ 141 - Exit

VEDL. 10@333 – Prefer Hindalco, Tata steel

SUN PHARMA. 100 @630 Hold

TATA MOTOR DVR 100@ 202 - Hold for atleast 2-3 years

WOCKPHARMA. 50 @ 713 - Hold

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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Ramalingam

Ramalingam Kalirajan  |8100 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 14, 2025

Asked by Anonymous - Mar 14, 2025Hindi
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Hello sir, I am planning to buy a flat, with some stock sale proceeds and bank loan. Can I claim section 54F, for the entire registration amount for a flat, along with registration fee ? Or bank loan part is not considered
Ans: Eligibility for Section 54F
Section 54F provides capital gains exemption when selling assets like stocks.
You must invest the full net sale proceeds in a residential property.
The new flat must be purchased within two years or constructed within three years.
You should not own more than one residential house at the time of sale.
Treatment of Bank Loan Under Section 54F
Exemption applies only to the portion funded by stock sale proceeds.
The bank loan portion is not considered for exemption.
You need to invest the entire net sale proceeds to claim full exemption.
Registration Charges and Stamp Duty
Registration charges and stamp duty qualify as part of the property cost.
These expenses can be included for exemption under Section 54F.
However, only the part paid from capital gains is eligible.
Ensuring Full Exemption
If you reinvest only part of the net sale proceeds, the exemption is partial.
Any remaining capital gain will be taxed.
To avoid tax, the full capital gain amount must be reinvested.
Tax Implications If Conditions Are Not Met
If you sell the new property within three years, the exemption is reversed.
The capital gain becomes taxable in the year of sale.
Ensure compliance with all conditions to retain tax benefits.
Alternative Planning Strategies
If full reinvestment is not possible, consider capital gains bonds.
These bonds provide an alternative exemption under Section 54EC.
This helps in tax-efficient planning while keeping liquidity options open.
Final Insights
Section 54F helps save tax if proceeds are fully reinvested.
The bank loan portion does not qualify for exemption.
Registration costs can be included but only if paid from capital gains.
Ensure compliance to avoid future tax liabilities.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

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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