Calculate share market returns with Indian charges
When trading stocks in India, multiple charges apply beyond brokerage. This calculator includes all real charges for accurate net profit calculation.
| Charge | Rate | Applies to |
|---|---|---|
| Brokerage | ₹0 to 0.3 % | Both legs; most discount brokers charge nil on delivery |
| Securities Transaction Tax (STT) | 0.1 % | Both buy and sell, on turnover |
| Exchange transaction charge | about 0.00297 % (NSE) | Both legs |
| SEBI turnover fee | ₹10 per crore | Both legs |
| Stamp duty | 0.015 % | Buy side only |
| GST | 18 % | On brokerage + transaction charges + SEBI fee |
| DP charge | about ₹13–20 per scrip | Sell side only, charged by the depository participant |
| Holding period | Classification | Tax rate | Exemption |
|---|---|---|---|
| Up to 12 months | Short-term (STCG) | 20 % under Section 111A | None |
| More than 12 months | Long-term (LTCG) | 12.5 % under Section 112A | First ₹1.25 lakh of gains per financial year |
| Equity mutual funds | Same 12-month rule | Same rates | Shared ₹1.25 lakh limit |
| Intraday equity | Speculative business income | Your slab rate | Not capital gains at all |
| F&O | Non-speculative business income | Your slab rate | Losses can be set off and carried forward 8 years |
200 shares bought at ₹1,450, sold 14 months later at ₹1,910, zero-brokerage discount broker
Buy value = ₹2,90,000 · Sell value = ₹3,82,000
Gross gain = ₹92,000
STT = 0.1 % of both legs = ₹290 + ₹382 = ₹672
Stamp duty on buy = 0.015 % = ₹43.50
Exchange + SEBI charges ≈ ₹20; GST on those ≈ ₹4; DP charge ≈ ₹16
Total charges ≈ ₹756
Held over 12 months, so LTCG applies. Gain of ₹92,000 is under the ₹1.25 lakh annual exemption, assuming no other LTCG this year.
Net profit ≈ ₹91,244, with no capital gains tax payable this year.
Identical numbers, but held only 10 months
Gross gain = ₹92,000, charges ≈ ₹756
Short-term, so STCG at 20 % applies to the full gain
Tax = 20 % of ₹92,000 = ₹18,400, plus 4 % cess = ₹736
Net profit ≈ ₹72,108 — about ₹19,000 less for selling two months sooner.
Listed equity sold within 12 months is taxed at 20 % under Section 111A, plus 4 % cess. This rate applies from the July 2024 budget onward; it was 15 % before that.
₹1.25 lakh of long-term capital gains per financial year across all listed equity and equity mutual funds. Gains above that are taxed at 12.5 % without indexation.
Multiply the price difference by the number of shares to get the gross gain, subtract brokerage, STT, exchange and SEBI charges, stamp duty, GST and DP charges to get the net gain, then apply the appropriate capital gains rate.
No. Intraday equity is speculative business income and is taxed at your normal slab rate, not at the capital gains rates. Futures and options are non-speculative business income, also taxed at slab rates but with more generous loss set-off rules.
Securities Transaction Tax is a levy of 0.1 % on both the buy and sell legs of an equity delivery trade, collected by the exchange. It is unavoidable on exchange-traded equity, and it is not deductible from your capital gain.
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