Sold shares or mutual funds — what happens tax-wise?
Long-term gains on listed shares or equity mutual funds are gains on an asset other than a residential house, so Section 54F — not Section 54 — is what lets the sale proceeds route into a home. It is measured against the net sale consideration, not just the gain: reinvest all of it and the whole indicative gain is potentially covered; reinvest part of it and the exemption applies proportionately. Enter your figures below for the indicative windows and CGAS deadline — every number here needs your CA's confirmation.
Equity out, house in — Section 54F, dated from your sale month.
Three inputs — sale value, rough acquisition cost, sale month — and the tool lays bare gain arithmetic beside the dated Section 54F buy and build windows, with the Capital Gains Account Scheme deposit date flagged ahead of both.
New to this route? Read From Shares to a House first for the net-consideration nuance, the ESOP/startup-share question and the honest FAQ, then come back and compute your own dates.
Your share sale, in four fields
Indicative — confirm with your CA.
The map — not the computation.
Read each card as indicative by design — dates resolved only to the month you gave, and a gain that is plain subtraction. The real dates hang on your exact date of transfer, and the real figures come from your CA.
Estimated long-term gain
Indicative — confirm with your CA.
What the calendar allows, from your sale month
An existing or ready house is the purchase route, open from a year before the sale until two years after it; building your own is the construction route, open for three years. Your exact transfer date is the true anchor — a month-only input means month-only precision here.
Indicative — confirm with your CA.
First deadline on the list: the CGAS deposit
Any part of the amount still waiting uninvested when your income-tax return is due needs to reach a Capital Gains Account Scheme (CGAS) account before you file — that deposit is what holds the claim open. The date displayed uses the usual non-audit individual due date; yours is for your CA to confirm.
Indicative — confirm with your CA.
Conditions the calendar dates don't show
- House-count check: more than one other residential house owned on the sale date can rule Section 54F out.
- Keep the new house: letting it go within roughly three years can reverse the claim.
- Deposit, then file: uninvested amounts must be in CGAS by your return date for the claim to hold.
Indicative — confirm with your CA.
On what you sold —
Want the windows explained on a call-back?
Leave your name and number and our sales desk will reach out on WhatsApp. For the tax figures themselves, your CA is the right desk — ours is for the property side.
By submitting you consent to be contacted about this project and to your details being shared with the developer/promoter. This page is educational — nothing on it is tax advice; confirm every figure with your CA.