Review gains and losses together
Look across family portfolios, holding periods and realised transactions before taking action.
Tax-aware portfolio tool
Your portfolio may be making money. Is it managing taxes intelligently?
Enter this financial year’s gains and portfolio losses to explore a possible set-off opportunity. This is an educational estimate—not tax advice or a recommendation to sell.
Your numbers
Find what may deserve a tax review.
Realised short-term gain₹5.00 L
Realised long-term gain₹3.00 L
Unrealised short-term loss₹2.00 L
Unrealised long-term loss₹1.50 L
The calculator assumes the entered unrealised losses become eligible realised capital losses. It does not include exemptions, cess, surcharge, transaction costs, exit loads or security-specific rules.
The real purpose
Tax should inform the portfolio—not control it.
Harvesting a loss is useful only when the investment decision still makes sense after costs, portfolio fit and the risk of being out of the market are considered.
Protect the investment plan
Do not disturb asset allocation or long-term goals only to create a tax result.
Coordinate with your CA
Confirm eligibility, return-filing requirements and the final tax treatment before execution.
A useful year-end conversation
Four questions worth asking before 31 March.
What gains are already realised?
Separate short-term and long-term gains rather than looking at one combined number.
Which losses are genuinely eligible?
Holding period, asset type and transaction history can change the tax treatment.
What would selling change?
Consider exit loads, transaction costs, market exposure and the reason the investment was held.
What must be documented?
Keep contract notes, capital-gain statements and professional advice aligned with the income-tax return.
Questions investors ask
Tax harvesting, without the jargon.
Generally, a long-term capital loss may be set off only against eligible long-term capital gains. An eligible short-term capital loss may generally be set off against short-term or long-term capital gains, subject to applicable law and professional verification.
Eligible unabsorbed capital losses may generally be carried forward for up to eight assessment years, subject to conditions including return-filing requirements. Please confirm your case with a tax professional.
Not necessarily. Tax is only one factor. Investment suitability, future prospects, asset allocation, exit loads, transaction costs and time out of the market should also be considered.
No. Arvitha can help organise portfolio information and coordinate a tax-aware review. Final tax treatment, filing and legal advice should come from a qualified tax or legal professional.
Important: This page is for investor education and general information. Tax provisions, rates and interpretations may change. The calculator is illustrative and does not determine tax liability or recommend any transaction. Please consult a qualified chartered accountant or tax adviser before acting.
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