{"id":15288,"date":"2026-07-30T18:32:54","date_gmt":"2026-07-30T13:02:54","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15288"},"modified":"2026-07-30T18:34:39","modified_gmt":"2026-07-30T13:04:39","slug":"how-long-should-you-hold-bonds-to-pay-lower-capital-gains-tax","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/guide\/how-long-should-you-hold-bonds-to-pay-lower-capital-gains-tax\/","title":{"rendered":"How Long Should You Hold Bonds to Pay Lower Capital Gains Tax?"},"content":{"rendered":"
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\ud83d\udcdd Quick Summary:<\/div>\n

<\/span>A bond can make you money two ways. It pays interest, which is added to your income and taxed at your slab rate. And it can be sold for more than you paid, which is a capital gain and taxed under separate rules. For a listed bond, the dividing line is twelve months. Sell before that, and the gain is taxed at slab. Sell after, and it is taxed at 12.5%. For an unlisted bond, that line does not exist at all.<\/strong><\/span><\/h2>\n<\/div>\n\n\n

Most people think about a bond’s return as one number. There are actually two, and the tax office treats them very differently. The first is interest, also called the coupon. This is the fixed amount the issuer pays you each year. It is added to your total income and taxed at whatever slab rate applies to you. The second is a capital gain. If you buy a bond at 1,000 rupees and later sell it at 1,080, that 80 rupees is a capital gain. That is not interest and is not taxed like interest.<\/p>

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