There are a few honest levers, and none of them should drive bad investment decisions. Holding equity longer can move gains from the higher short-term rate to the lower long-term one; using your annual long-term exemption and, where it fits, realising gains in a planned way (sometimes called harvesting) can help; tax-saving instruments under section 80C (like PPF or ELSS) offer deductions under the old regime; and simply avoiding needless churning cuts the tax you trigger. The rules, rates, and old vs new regime change with each budget, so treat these as directions rather than a formula, and run anything material past a CA. Never let the tax tail wag the investing dog.
4 resources, 4 India-specific, 4 link-checked.
The India reference on short vs long term capital gains, holding periods, and rates for equity, funds, and property, so you know the tax before you sell.
From ClearTax by ClearTax
Open cleartax.in →How ELSS gives you an 80C tax deduction while keeping the money in equity, with the shortest lock in of the 80C options.
From ClearTax by ClearTax
Open cleartax.in →The full menu of section 80C tax-saving options (PPF, ELSS, insurance, and more) under the old regime, in one place.
From ClearTax by ClearTax
Open cleartax.in →The free, India-first grounding in what to do with cash once you have it: goals, allocation, SIPs, and not losing it to fees.
From Zerodha Varsity by Zerodha Varsity
Open zerodha.com →
