Capital Gains Report

The Capital Gains report shows the profit or loss on Indian shares you sold in a financial year, the gain you would make if you sold what you still hold, and an estimate of the tax on it.

Premium feature

The report is part of Premium. Accounts created before 28 July 2026 keep it free. On the free plan, the page shows an Upgrade to Premium button instead of the report.

Opening the report

Go to Insights → Capital Gains in the top menu (on mobile, open the menu drawer and look under Insights). The page lives at agnifolio.com/insights/capital-gains.

Use the Financial year dropdown at the top to switch years. A financial year runs from 1 April to 31 March, shown as, for example, FY 2025-26. The list holds the current year plus every year in which you sold something, and opens on the latest year with a sale. Reports start from FY 2018-19.

What’s included

The report covers holdings that are:

• recorded as a Stock, ETF, Gold ETF or Silver ETF, and
• Indian — priced in rupees or listed with a .NS (NSE) or .BO (BSE) symbol, and
• backed by transactions (buys and sells). A holding with only a value and no transactions has nothing to calculate from.

Foreign shares, crypto, and holdings recorded as a Mutual Fund or Index Fund are not part of this report yet.

What you see

Four summary cards

Card	Meaning
Short-term gain	Gains on shares held 12 months or less
Long-term gain	Gains on shares held more than 12 months
Tax-free allowance used	How much of the yearly long-term allowance your gains used
Estimated tax	Tax on the taxable part, including 4% cess

Sold in FY … lists every sale in the year: stock, quantity, bought date, sold date, cost, sale value, gain, and whether it was short or long term.

Still holding lists what you own today with the gain you’d make if you sold now. The Term column tells you when a holding turns long term — for example Short-term · long-term in 42 days — which is useful for timing a sale.

How the numbers are worked out

• Oldest shares sell first (FIFO). When you sell, the app matches the sale against your earliest purchases, the same way the tax rules do.
• Bonus shares cost nothing. Splits change the number of shares, not what you paid.
• Long term means more than 12 months. Exactly 12 months is still short term.
• Tax rates follow the sale date:

Sold	Short-term rate	Long-term rate	Yearly tax-free long-term gain
Before 23 July 2024	15%	10%	₹1,00,000
On or after 23 July 2024	20%	12.5%	₹1,25,000 (from FY 2024-25)

• Losses offset gains. Short-term losses reduce short-term gains first, then long-term gains. Long-term losses only reduce long-term gains.
• Currency. Gains are shown in your chosen display currency, converted at today’s rate. The tax, allowance and cess always stay in rupees, because that’s how they’re filed in India.

”Needs attention” — why a sale is missing

Anything the report can’t calculate safely is left out of the totals and listed under Needs attention, with a link to the holding so you can fix it.

Group	What it means	How to fix it
History incomplete — add the missing buys	The shares you hold don’t match your recorded buys and sells, you sold more than you bought, or a transaction has no date	Add the missing buy transactions on the holding’s page
Purchase date unknown — record as a BUY on the original date	The shares came from a transfer, a corporate action or a statement import, so the app doesn’t know when you bought them	Record them as a BUY on the date you actually bought them
Intraday trades — not capital gains	Bought and sold on the same day — taxed as business income, not capital gains	Nothing to fix; they’re listed for your reference
ETFs — tax depends on the fund type	ETFs and other listed funds are taxed by fund type, so they’re shown but not added to the totals	If a fund was recorded as a stock, change its type to ETF

Other reasons a sale may not appear:

• It happened in a different financial year — check the dropdown.
• The holding isn’t an Indian stock or ETF (see What’s included).
• Moving shares to another account is a transfer, not a sale, so it never creates a gain.

Exporting

Export Excel downloads a file such as capital-gains-FY2025-26.xlsx with four sheets: Summary, Realized, Unrealized and Needs attention. The summary sheet includes the exchange rate used, so your accountant can see exactly how the figures were converted.

Limits to know

An estimate for planning, not tax advice

The report does not include surcharge, carry-forward losses from earlier years, other income or rebates.

Grandfathering is not applied. Shares bought before 1 February 2018 and sold long term carry a Pre-2018 tag, and the tax shown for them may be higher than what you’ll actually owe.

Fees are treated as deductible brokerage. STT is not deductible — enter it separately if the amount matters. The ₹1.25 lakh long-term allowance is shared with any equity funds you hold outside Agni Folio.

What’s next

• Transactions — the buy and sell records this report is built from
• Premium Plan — what else comes with Premium