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Vivek Lala  |324 Answers  |Ask -

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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Asked by Anonymous - Feb 09, 2026Hindi
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Hi Maam, My married life has been a complete disasterits been 1.8 yrs. Before marriage, I had only one past relationship. My husband repeatedly asked if I had any physical relationship before marriage. I denied it initially, and when I asked him about his past, he vaguely said he had dated three women for about three months each. Whenever I asked directly about physical involvement or even something as simple as kissing, he avoided the topic or changed the subject. On the first day of our arranged marriage, after intimacy, he said something that confused me. I was already scared and anxious. Later, when he asked me to share something I had never told anyone, I told him the truth—that my past relationship involved physical intimacy, and that it was forced, not by my choice. After that, his behavior completely changed. He stopped talking to me, even during our honeymoon. We were intimate only twice, but emotionally he was completely absent. I cried constantly. After returning home, he started avoiding me, leaving the house despite working from home. He verbally abused me, made derogatory comments about my character, and threatened to tell my parents and divorce me, accusing me of hiding my past. He even went on a Europe trip alone for 15 days, barely contacting me, which made me fear he was cheating. Due to constant fights and emotional abuse, I started looking into his past and discovered disturbing things—multiple physical relationships (8–9), emails linked to prostitutes, a banned Tinder account he tried to restore even after our engagement, and trips with an ex just days before our engagement. He called her “just a friend,” but the evidence said otherwise. I also found intimate photos and videos of his exes saved on his hard disk, even though they were many years old. Despite all this, he continued to accuse and defame me in front of his parents, saying I lied about my past, while he had never disclosed his own. What I saw and experienced has deeply scarred me, and I feel he never had any emotional attachment to me from the beginning. Ever since I told him the truth, he has shown no care, no empathy, and no love. I am left questioning—was I wrong to look into his past when I was being emotionally abused and accused? Or is he simply not the right person for me, someone who lacks emotional maturity, honesty, and compassion?
Ans: What you have described is not a small marital conflict—it is a serious breach of trust, emotional safety, and dignity.
Let’s look at this with clarity, not emotion alone.
You entered this marriage with hesitation, fear, and eventually honesty. You disclosed something deeply personal, and importantly, something that involved lack of consent. In a healthy partnership, that moment should have been met with empathy, protection, and maturity. Instead, it was met with judgment, withdrawal, and later, humiliation. That is not a difference of opinion—that is a failure of emotional responsibility.
At the same time, your husband’s conduct shows a clear pattern of double standards. He withheld his own past, avoided transparency, and yet demanded complete disclosure from you. When he later accused and defamed you, despite his own undisclosed history, it indicates not confusion but control and moral inconsistency.
Your decision to look into his past did not arise in isolation. It came after sustained emotional distress, repeated accusations, and a breakdown of trust. In such circumstances, people seek evidence not out of curiosity, but out of a need to anchor themselves in reality. So no, it was not ideal—but it was understandable. More importantly, it is not the central issue.
The central issue is this:
You are in a relationship where your vulnerability has been used against you, your character has been questioned, and your emotional needs have been consistently disregarded.
Also note his behavioral responses—avoidance, verbal aggression, solo travel without communication, maintaining explicit material from past relationships, and involving his parents in a way that damages your dignity. These are not isolated incidents. They reflect emotional immaturity, lack of accountability, and poor boundaries.
So the real question is not “Was I wrong?”
The real question is: Is this a relationship that offers mutual respect, psychological safety, and the possibility of repair?
Marriage can survive difficult truths, even past experiences—but only when both partners are willing to engage with honesty, empathy, and accountability. At present, there is no indication that he is willing to do that.
Before taking any decision, it would be wise to step back and stabilise yourself emotionally. Consider individual counselling, not to fix the marriage, but to regain clarity and strength. If there is any attempt to continue this relationship, it must involve structured intervention—such as couples therapy—with clear expectations around respect, truthfulness, and boundaries.
But equally, you must allow yourself to acknowledge a difficult possibility:
Sometimes, the issue is not what went wrong in the marriage.
It is whether the person you are with is capable of sustaining a healthy one.
You were not wrong for having a past.
You were not wrong for telling the truth.
And you are not wrong for expecting dignity in your marriage.

...Read more

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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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