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Vivek Lala |324 Answers |Ask -Follow

Tax, MF Expert - Answered on Oct 11, 2025

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more

Asked by Anonymous - Sep 16, 2025Hindi

Money

Hi, My question is I have my us based company stocks which my company given me. Now total amount is 20lakhs out of that company provided me 10lakhs and capital gain is 10lakhs. What could be long-term capital tax on this?

Ans: Indian residents have long-term capital gains from US stocks when the holding period is more than 24 months (or 2 years)
Long-term capital gains are taxed at 12.5% (post 2024 budget, earlier it was 20%).

You can look at diversifying your portfolio since US stock prices are at an all time high and Indian markets have been consolidating for the last 15 months, so good time to invest some monies in India from a 5 year point of view.

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

Do let me know your views on this on my website or on my LinkedIn profile, attaching the link :
https://www.slwealthsolutions.com/

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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Question by Vp - Feb 17, 2024Hindi

Money

Sir, I have purchased shares some 15-20 years back, they have been demated earlier. I dont know(remember) the purchased price and date of purchase. If i sell the shares, how can i show the long term capital gain tax in I/TAX return?

Ans: It will difficult to calculate the capital gains if the purchase price is not available. Do not sell everything in the same financial year then you may be exempt and capital gains may be below 1 lacs. Again everything is on assumption.

Please take your CAs advice before moving ahead.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 07, 2024

Asked by Anonymous - Jul 24, 2024Hindi

Money

Hi Mihir, I am about to sell the shares of Rs. 40,00,000 of my wife which her father had purchased 20 years back. How much tax she'll need to pay in total, now as per the new Long Term Capital Gain?

Ans: 12.5% on the the amount of LTCG over and above exemption limit of 1.25 L as per new budget provisions.

You may stagger stock sell in consecutive financial years so as not to cross exemption limit and avoid tax.

For details consult a tax advisor.

T S Khurana |562 Answers |Ask -Follow

Tax Expert - Answered on Sep 28, 2024

Asked by Anonymous - Aug 30, 2024Hindi

Money

If I sell shares of my public limited company which I bought at 10 Rs in 1995 sold at 300 rs in 2024 How much is capital gain tax in percentage I have to pay ? Secondly if I buy a Pvt limited Company shares from same amount Will u have to still pay tax as I don’t want to buy a residential property

Ans: 01. LTCG on Sale of securities shall be taxable @ 12.50%, if the sale is effected after July-2024. However, you would be entitled to a basic exemption of Rs.1.25 lakhs, from LTCG.
02. LTCG on Sale of securities, shall not be exempted, if you buy shares of Private limited company, with the same amount of capital gain.
Most welcome for any further clarifications. Thanks.

Reetika Sharma |627 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 11, 2025

Question by Tripta - Aug 07, 2025Hindi

Money

Sir I am 71 year now and invested Rs.75 lakhs in 2010 in a pvt ltd co shares (unlisted) and have now sold for Rs.150 lakhs. How much will be long term capital gain tax. Can i repay my home loan which i took 4 years back to offset ltcg. Request an early reply. Thanks Thanks : RK Bhatia

Ans: Hi,

You cannot set off your home loan with LTCG to avoid tax.
You will have to pay 12.5% tax on the entire gain amount. Only 1.25 lakhs will be exempt. Means total taxable value will be 73.75 lakhs i.e. tax of 9.21 lakhs will be payable by you.

However investing the entire amount for buying a residential property can save tax u/s 54F for you. You will have to do this in a time frame of 2 years after the sale of shares.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Latest Questions

Nayagam P P |11088 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Question by Sreenivas - Apr 24, 2026Hindi

Career

Hello Sir, My son got 23,568 AIR in JEE Mains and 98.652 percentile. We hail from Telangana state. Please let us know whether my child can secure a seat NIT warangal in either ECE or CSE or please let us know the top IIITs where he can secure cse or ECE seat. Thanks & Regards Sreenivas Chittiprolu

Ans: Sreenivas Sir, Yes—your son is in a good position for NIT Warangal ECE, but CSE is extremely unlikely at AIR 23,568. NIT Warangal’s 2024 open-category closing ranks were about 1,899 for CSE and around 4,979–5,099 for ECE, while 2023 last-round cutoffs still stayed well within the low thousands for these branches. So, for a Telangana home-state candidate, ECE at NIT Warangal is possible only if the final round stretches, but CSE is not realistic. For top IIITs, CSE is generally too competitive, but ECE may be possible in newer or mid-tier IIITs such as IIITs in Guwahati, Sri City, Kota, Sonepat, Una, or similar depending on round and category trends. Additionally, please review the JoSAA opening and closing ranks from the last 2-3 years to gain further insights and better understand admission trends. If possible and desired, consider selecting 2-3 reputable engineering colleges as backup options through State Engineering Counselling, especially if your son is primarily targeting the CSE or ECE branches. ALL the BEST for Your Son's Prosperous Future!

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Radheshyam Zanwar |6989 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 24, 2026

Question by Yuvananth - Apr 24, 2026Hindi

Career

My percentile is 93.88 in jee mains can I get admission in any nit or iiits ?

Ans: Moderate Chances with lower NITs and newly formed IIITs with lower branches. Keep other options as a backup.

Good luck.
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Radheshyam

Radheshyam Zanwar |6989 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 24, 2026

Asked by Anonymous - Apr 24, 2026Hindi

Career

My jee mains crl rank was 40905, what should I choose between mechanical in nit Hamirpur or cse/ece in iiits like kota/pune/Vadodara/nagpur/sri city

Ans: Choose IIIT CSE/ECE over NIT Hamirpur Mechanical unless you’re genuinely interested in core engineering

Good luck.
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Radheshyam

Nayagam P P |11088 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Asked by Anonymous - Apr 23, 2026Hindi

Career

sir i got 49360 rank in jee main in ews cateogry and crl rank is 325000 can i get iiits or nits or gfits in cse

Ans: You have not mentioned your home state. Anyway, please note, with EWS rank 49,360 and CRL 3,25,000, CSE in NITs, IIITs, and GFTIs is very unlikely because recent JoSAA and CSAB cutoff trends show CSE closing ranks are usually much better than this, and even many IIIT CSE seats close below your range. Your better chances are in lower-demand branches at newer NITs or GFTIs or in non-CSE branches such as Mechanical, Civil, Production, or Metallurgy if you want a government seat. The sensible backup plan is to apply in all JoSAA and CSAB rounds, keep newer NITs and lower-demand branches open, and also prepare strong state counselling and private-college options. If your goal is specifically CSE, a good private university may be a more realistic path than waiting for a highly competitive government seat. ALL the BEST for Your Prosperous Future!

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Nayagam P P |11088 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Question by Kartikeya - Apr 23, 2026Hindi

Career

Hello sir I got 47919 ews rank and I am from uttar pradesh will I get Cse in any up colleges through home state quota in csab or uptac like hbtu in my city kanpur or iet Lucknow?

Ans: Kartikeya, With an EWS rank of 47,919 and Uttar Pradesh domicile, securing a CSE seat at HBTU Kanpur or IET Lucknow through UPTAC or CSAB is highly unlikely, as recent cutoffs for these colleges have been significantly better than this rank. Similarly, CSE admission to NITs, IIITs, and GFTIs is not realistic at this rank, even considering home-state or reserved-category seats, since CSAB closing ranks for CSE in many such institutions are much lower.

Better backup options include pursuing other branches such as Electrical Engineering, ECE, Mechanical, or Chemical at HBTU, IET, or other UP government colleges. Alternatively, you may consider private colleges in Uttar Pradesh through UPTAC for CSE, AI, or IT programs. If securing a government seat is a priority, it is advisable to focus primarily on non-CSE branches and treat a branch change as a secondary option. ALL the BEST for Your Prosperous Future!

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Radheshyam Zanwar |6989 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 24, 2026

Question by Prince - Apr 24, 2026Hindi

Career

My son got 87 percentile in JEE Main and has 202681 ranks in general category and 97.1% marks in intermediate from Telangana. Please suggest me that I can get admission in CSE and ECE branch in IIITs and good private university with good placement record and can also get admission in any government university.

Ans: Chances of CSE/ECE @ Top NITs/IIITs are Nil. Target good private universities like VIT or SRM and consider state govt colleges in Telangana via the board quota.

Good luck.
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Radheshyam

Radheshyam Zanwar |6989 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 24, 2026

Asked by Anonymous - Apr 24, 2026Hindi

Career

Hello Sir, My son (Genral from Mumbai)got 32176 rank in Mains Would like to pursue ECE or EEE/EE Branch Please suggest good option for Lower NIT Or IIITS Also guide lower NIT EE Vs IIIT ECS HOWS IIIT nagpur or Surat

Ans: Prefer ECE @ IIIT Nagpur/Surat over lower NIT EE.

Good luck.
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Radheshyam

Radheshyam Zanwar |6989 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 24, 2026

Asked by Anonymous - Apr 24, 2026Hindi

Career

I am applying for thapar IEP programs but i have a very low jee percentile (53%ile) and i have 60% in boards in PCM, do i stand a chance of getting in a thapar 2+2 program? i am aware that the cutoffs for these programs would go low but i am afraid that my score is too low to clear even the IEP cutoffs

Ans: Chances are low but not zero. But keep other options ready as a backup. It is advisable to consider other options other than Thapar, which is fairly costlier than the others.

Good luck.
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Radheshyam

Radheshyam Zanwar |6989 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 24, 2026

Question by Akhilesh - Apr 24, 2026Hindi

Career

I m from kanpur nagar uttar pradesh My son got 70469 rank in jee mains with general category What option available like nit or iiit

Ans: Try with lower NITs/IIITs for less-demanded branches or consider good state/private colleges as backups.

Good luck.
Follow me if you receive this reply.
Radheshyam

Radheshyam Zanwar |6989 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 24, 2026

Question by Krishan - Apr 24, 2026Hindi

Career

Hi Good day, my son has scored CRL 36600 in JEE Mains 2026, general category without any quote. We are looking for following options i.e. CSE in Thapar (Patiala) or Mechanical (BITS-Pilani). My son is confused which one to go as he like BITS Pilani considering the Alumni network and the Start-up culture whereas he is also inclined towards CSE branch. Please advise which one is a better choice considering good career prospects. Further, any other better options we can consider in terms of NIT or IIIT?

Ans: Prefer CSE @ Thapar over Mech @ BITS (for better career prospects (placements + flexibility). Yet, the final choice will be yours. Else try with lower NITs and with few IIITs @ CSE/Mechanical/ECE

Good luck.
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Radheshyam

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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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