​Work out exactly what you owe on a flat, a fund, gold or crypto — and what you can legally save. 92 pages, 40+ worked examples, updated for 2026-27.​

You booked the profit. Nobody told you what it would cost.

The flat sold. The fund was redeemed. Then someone asked which financial year you bought it in, whether you had heard of the Cost Inflation Index, and why your advance tax instalment was short.

Capital gains is the tax nobody plans for. It arrives once, it arrives large, and it arrives after the money has already been spent.

On 1 April 2026 the Income-tax Act, 2025 replaced the 1961 Act. Capital gains now sits at sections 67 to 91. The reinvestment exemptions moved to sections 82 to 89. "Assessment year" became "tax year". Share buybacks came back to capital gains treatment. The Sovereign Gold Bond exemption narrowed to original subscribers who hold to maturity. Almost every explainer online still quotes the old numbering.

What you get

A 92-page PDF, roughly 26,000 words, fifteen chapters across four parts, with more than forty worked numerical examples, five diagrams, checklists, twenty-two FAQs, a glossary and a full reference list. Delivered instantly, readable on a phone, a laptop or printed and marked up.

Part One builds the foundations: what counts as a capital gain, what changed on 1 April 2026, the two holding periods, the complete rate card and the step-by-step computation. Part Two goes asset by asset: listed shares and equity funds, debt funds and the section 76 trap, gold and silver and ETFs and SGBs, selling a house or a flat or land, crypto and virtual digital assets, and unlisted shares, ESOPs and buybacks. Part Three is about paying less, legally: the reinvestment exemptions and the full loss set-off, carry-forward and harvesting toolkit. Part Four gets it filed: advance tax, TDS, ITR-2, and a dedicated chapter for NRIs. It closes with twenty costly mistakes and an action plan.

Why buy this rather than read a blog

Blogs written before April 2026 cite section numbers that no longer exist. Practitioner treatises cost ₹2,500 and upwards and are written for people who argue in tribunals. This sits in between: current, specific to India, and written so that a person who is not an accountant can follow the arithmetic and reach a number they can defend.

Rates, sections and the Cost Inflation Index are stated as they apply to tax year 2026-27, with CII 384 used throughout.

This is an independent publication. It is educational material, not personal tax advice. Verify current rules and dates with the relevant official source, and take professional advice on anything material.

Six feature bullets

• 92 pages, 15 chapters, 40+ worked examples — every calculation shown in full, not left as a formula.
• Written for 2026-27 — Income-tax Act, 2025 numbering throughout, CII 384, and a complete old-section-to-new-section map so your older notes still work.
• Every asset in one place — listed shares, equity and debt mutual funds, gold, silver, ETFs, Sovereign Gold Bonds, residential and commercial property, land, crypto, unlisted shares, ESOPs and buybacks.
• The saving side, in detail — reinvestment exemptions, the ₹50 lakh bond cap, the Capital Gains Account Scheme deadline that catches people out, loss set-off, carry forward and harvesting.
• A dedicated NRI chapter — TDS on the whole consideration, effective rates, and the Lower Deduction Certificate route.
• Instant PDF download — no login, no app, no subscription. Yours to keep and to print.