{"id":345626,"date":"2026-11-13T09:13:05","date_gmt":"2026-11-13T03:43:05","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=345626"},"modified":"2026-11-13T09:13:05","modified_gmt":"2026-11-13T03:43:05","slug":"tax-loss-harvesting-india-set-off-capital-losses","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/tax-loss-harvesting-india-set-off-capital-losses\/","title":{"rendered":"Tax-Loss Harvesting in India: How to Set Off and Carry Forward Capital Losses on Shares and Mutual Funds"},"content":{"rendered":"

Equity STCG 20%. LTCG 12.5% above Rs 1.25 lakh. Short-term loss offsets both gains, long-term loss offsets only long-term gains. Unused losses carry forward 8 years if the ITR is filed on time.<\/em><\/p>\n

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Quick Answer<\/strong><\/p>\n

Tax-loss harvesting in India means selling investments at a loss to offset taxable capital gains. A short-term capital loss can be set off against both short-term and long-term gains, while a long-term capital loss can be set off only against long-term gains. Unused losses can be carried forward for eight years, but only if you file your return by the due date.<\/p>\n<\/p><\/div>\n

Tax-loss harvesting in India is a legal way to lower your capital gains tax by using the losses sitting in your portfolio. If you have booked gains this year, a planned sale of a losing holding can reduce what you owe.<\/p>\n

This guide explains the set-off and carry forward rules, shows a worked example and lists the mistakes that can make the exercise less effective than it looks.<\/p>\n

Click Here – Get Free Investment Predictions<\/strong><\/a><\/p>\n

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