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Vivek Lala |323 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

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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

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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 |538 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 |435 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/

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Radheshyam Zanwar |6754 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 23, 2025

Question by Khushi - Dec 23, 2025Hindi

Career

Sir, I passed my Class 12th in the 2023–24 session with very low marks because at that time I did not know about JEE. After that, for two years I worked in the finance field with my uncle. Later, due to my interest in engineering, I wanted to get admission to a good engineering college. That is when I came to know about IIT JEE 2026. When I checked the JEE eligibility criteria, I saw the 75% requirement, but because my health was not good during my board exams, my marks were very low. So, I am reappearing for Class 12th in the 2025–26 session. My question is: will I be eligible to appear for JEE Advanced?

Ans: No. You are not eligible for JEE (Adv). You have already used two attempts (i.e., 2024 and 2025), whether or not you appeared does not matter. Only two successive attempts are allowed for a candidate who clears the 12th grade in a particular year. You cleared your 12th grade in 2024.

Suggestion- Instead of running behind JEE exams, take admission to any good engineering college via a state-level engineering entrance test, which is easier than JEE.

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

Purshotam Lal |70 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 23, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Money

I am a retired person 65 years. Sold a property . After paying LTCG tax , I will have 1.25 Cr to invest. Q1 - Should I pay LTCG tax and invest balance or avail 54c limit of 50 lakhs and invest balance. Q2- Pls suggest investment so that I get 1lakh per month.

Ans: For your question no. 1 please consult a tax consultant or a Chartered Accountant. Regarding earning Rs 1 L per month, you may need to contact a Certified Financial Planner and/or Certified Investment Adviser as at present it is not feasible to earn Rs 1 L per month on your proposed investment from the Fixed Income Instruments like Bank FDs. Therefore you need to plan and look for other investment options like Mutual Fund etc, however you should note that MF Investments are subject to market risks etc.
Best wishes.

Purshotam, CFP®, MBA, CAIIB, FIII
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www.finphoenixinvest.com

Purshotam Lal |70 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 23, 2025

Asked by Anonymous - Nov 30, 2025Hindi

Money

Sir, My age is 45 now. I want to shift my career into IT. what can be done. Also want to retire in 53 age. Salary gross 95500 INR . May I choose mutual fund sip but in whose sip? Sbi, ICICI ?

Ans: About your shifting the job, I am not the right person to guide you. However as you wish to retire after 8 years, it can be discussed with a certified financial planner after taking all the required input about your past investments, present status of such investments, your life goals and prospects of increase in your incomes going forward. Choosing a mutual fund will come after having completed that exercise. SBI & ICICI are definitely bigger mutual fund companies but there are around 45 MF companies at present in India.

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Asked by Anonymous - Nov 12, 2025Hindi

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I have been allotted shares under QIB. But the allotment was more I could pay nearly 80 percent remaining 20 I am finding funds shortage and unable to pay now. Allotment through standard chartered securities india limited. They will refund the amount after deducting penalty? How to proceed,I am dealing with genuine firm?

Ans: no, its a scam. There is no such concept of partial payment in IPO

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Asked by Anonymous - Dec 15, 2025Hindi

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Hi sir IPO shares are allotted and around 15% amount is blocked. Due to fund issues, I’m unable to pay the remaining amount. What will happen if I don’t pay? Will the blocked amount be released or any penalty applicable?

Ans: there is no such concept of minimum amount block for IPO, this is a Scam, please stay away from such applications and save your hard earned money.

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Question by MAHESH - Dec 11, 2025Hindi

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why kaynes technology is not getting added to rediff portfolio

Ans: use symbol as "KAYNES" you can add it

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Question by giriloganathan - Dec 10, 2025Hindi

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I am unable to add stocks in my protfolio ** error in adding stock ** is the message. Tried different stocks I traded today. No difference and thats the only error on screen. Happening only today

Ans: dear giri, can you plz confirm which broker app or website are you using, can you plz share some details so i provide you my inputs.

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Question by Pritesh - Dec 22, 2025Hindi

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Sir if some group or platform you have joined has allocated you IPO SHARES more than the funds you can have or you can manage than what will happen what are legal consequences

Ans: such group and platforms are scamsters, stay away from them. They themselves are illegal.

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Question by pradeep - Dec 23, 2025Hindi

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I belong to OBC, don't have OBC (caste certificate), lives in Maharashtra. I educated in MP/Chhattisgarh. My daughters study in Maharashtra. a . Can my daughters compete thru General Quota in JEE/NEET etc. b. What is the process for getting OBC certificate. My father has Caste certificate from MP.

Ans: Hi Pradeep,
Yes, it is possible. The process is very simple. Before my comments, I would like to know your domicile or nativity (maybe MP based on your father's details, I am predicting). Kindly share the same.

BEST WISHES.

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Question by Pritesh - Dec 22, 2025Hindi

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Sir I have recently joined a group and have allocated me more IPO shares than I can pay for what should I do my funds are stuck in there

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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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