Suppose you purchased a flat in 2015 for fifty lakh rupees and sold it in 2024 for eighty lakh rupees.
Under the old regime, the gains would be taxed at twenty percent after indexation, which adjusts for inflation and lowers your tax outgo.
Under the new regime, the flat rate is twelve point five percent, without indexation.
Conclusion: In the case of long-term real estate investments, the old tax regime may result in lower taxes due to the benefit of indexation.

Investing in Unlisted Equity

Let us consider you invested ten lakh rupees in a private company in 2020 and sold the shares in 2024 for twenty lakh rupees.
The old regime applies a twenty percent tax on capital gains.
The new regime applies a flat twelve point five percent rate.
Conclusion: For long-term investments in unlisted equity, the new regime could offer better tax efficiency by lowering your overall tax burden.

Impact on Sovereign Gold Bonds

Gold is a popular investment, and Sovereign Gold Bonds are an effective way to invest in it. If you purchased SGBs before July 2024, the customs duty on gold was fifteen percent. This made the cost per ten grams around fifty seven thousand five hundred rupees.
After July 2024, the customs duty has been reduced to six percent. This brings the cost per ten grams down to around fifty three thousand rupees.
Conclusion: The drop in customs duty increases the value of existing investments and makes gold a more attractive asset going forward.

Strategic Investment Moves You Should Consider

Review Your Investment Duration

Under the new regime, holding investments for longer periods can help reduce the tax rate applied. Make sure to understand the tax rules associated with short-term and long-term holdings.

Diversify Across Multiple Asset Classes

It is important to not rely on a single type of investment. A balanced mix of equity, debt, gold, and real estate will not only reduce risk but also help optimize tax outcomes based on the new rules.

Use Tax-Efficient Investment Options

Invest in instruments that offer tax benefits such as:

• Equity Linked Saving Scheme

• Public Provident Fund

• National Pension Scheme

These options not only reduce your taxable income but also support long-term savings goals.

Adjust Your Portfolio According to the New Rules

If your current portfolio was designed based on the old tax regime, it is time for a review. You may need to rebalance or even exit certain investments to make them more tax-efficient under the current rules.

Stay Informed About Tax Law Updates

The tax landscape in India can change quickly. Make it a habit to follow updates from reliable sources. Being proactive can help you make better financial decisions and avoid unexpected tax liabilities.

Final Thoughts

At Shree Radha Financial Services, we help you adapt to changing tax rules with smart, personalized investment strategies. The new tax regime requires a fresh approach to holding periods, diversification, and tax-saving instruments. Our goal is to ensure your investments stay tax-efficient and aligned with your financial goals. Let us guide you toward a secure and successful future.