Seller tool

Seller Net Proceeds
Calculator

Exactly what you take home after agent fees, outstanding loan, capital gains tax, and all costs. No surprises on registration day.

Sale details
Expected sale price₹1,20,00,000
₹
Original purchase price₹60,00,000
₹
Year of purchase
Outstanding loan balance₹30,00,000
₹
Deductions & costs
Agent commission1.5%
Prepayment penalty₹0
₹
Renovation / repairs before sale₹0
₹
Inflation index cost base
Net proceeds to seller
₹78,50,000
After loan repayment, agent fees & taxes
Sale price
₹1.2 Cr
Capital gain
₹60L
Tax liability
₹7.5L
Holding period
Long-term
Proceeds waterfall
Sale price₹1,20,00,000
(-) Outstanding loan repayment— ₹30,00,000
(-) Agent commission— ₹1,80,000
(-) Prepayment penalty— ₹0
(-) Renovation costs— ₹0
(-) Capital gains tax— ₹7,50,000
Net proceeds to you₹78,50,000
Capital gain (indexed)₹50,00,000
Tax typeLTCG @ 12.5%
Section 54 exemption (if reinvesting)Available
Long-term capital gains (LTCG)
Property held for more than 2 years. LTCG is taxed at 12.5% (Budget 2024) without indexation, or 20% with indexation. You may claim Section 54 exemption by reinvesting gains in another residential property within 2 years, or in 54EC bonds within 6 months (max ₹50L).
Frequently asked questions
How is capital gains tax calculated on property sale in India? +
Capital gains tax on property in India depends on the holding period. If you sell within 2 years of purchase, the gain is Short-Term Capital Gain (STCG) and is added to your income and taxed at your income tax slab rate. If you sell after 2 years, it is Long-Term Capital Gain (LTCG). After Budget 2024, LTCG is taxed at 12.5% without indexation benefit. Previously, LTCG was taxed at 20% with indexation (Cost Inflation Index adjustment to increase the cost base). Taxpayers can choose the more favorable option for properties purchased before July 23, 2024.
What is Section 54 exemption on property sale? +
Section 54 of the Income Tax Act allows you to claim exemption on LTCG from selling a residential property if you reinvest the gains (not the entire sale proceeds) in another residential property in India. You must purchase the new property within 1 year before or 2 years after the sale, or construct it within 3 years. The exemption is capped at ₹10 crore. Alternatively, Section 54EC allows investing LTCG up to ₹50 lakhs in specific government bonds (NHAI, REC) within 6 months to claim exemption.
What costs can I deduct from my sale proceeds? +
You can deduct: agent/broker commissions (typically 1–2%); legal charges and documentation fees; outstanding home loan principal repayment; prepayment penalties; renovation or repair costs done to improve the property before sale (if added to cost of acquisition); and in some cases, stamp duty and registration paid at the time of original purchase (added to indexed cost base). Interest paid on the home loan is not deductible from capital gains but can be claimed under Sec 24(b) in the year of payment.