{"id":15693,"date":"2026-08-20T13:29:25","date_gmt":"2026-08-20T07:59:25","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15693"},"modified":"2026-08-20T13:30:36","modified_gmt":"2026-08-20T08:00:36","slug":"section-54ec-bonds-now-section-85-save-tax-on-property-sale","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/","title":{"rendered":"Section 54EC Bonds Now Section 85: Save Tax on Property Sale"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"Section_54EC_presently_Section_85_bonds_remain_one_of_the_simplest_ways_for_Indian_property_sellers_to_avoid_a_hefty_LTCG_tax_bill_Heres_a_complete_2026_breakdown_of_the_6-month_deadline_%E2%82%B950_lakh_cap_current_525_interest_rate_and_how_REC_PFC_IRFC_and_HUDCO_bonds_compare\"><\/span><strong>Section 54EC (presently Section 85) bonds remain one of the simplest ways for Indian property sellers to avoid a hefty LTCG tax bill. Here&#8217;s a complete 2026 breakdown of the 6-month deadline, \u20b950 lakh cap, current 5.25% interest rate, and how REC, PFC, IRFC, and HUDCO bonds compare.\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>Selling real estate is usually a big win for investors, until the tax bill comes into the picture. If you sell a property that you held for more than two years, the profits are considered a long-term capital gain and, as things currently stand, will be taxed at 12.5% after July 2024, without any indexation. In simple math, on a \u20b940 lakh profit, this would mean you have to write a check for \u20b95 lakh to the IRS. Fortunately, Section 54EC bonds were introduced to provide some relief from this. <\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#Section_54EC_presently_Section_85_bonds_remain_one_of_the_simplest_ways_for_Indian_property_sellers_to_avoid_a_hefty_LTCG_tax_bill_Heres_a_complete_2026_breakdown_of_the_6-month_deadline_%E2%82%B950_lakh_cap_current_525_interest_rate_and_how_REC_PFC_IRFC_and_HUDCO_bonds_compare\" >Section 54EC (presently Section 85) bonds remain one of the simplest ways for Indian property sellers to avoid a hefty LTCG tax bill. Here&#8217;s a complete 2026 breakdown of the 6-month deadline, \u20b950 lakh cap, current 5.25% interest rate, and how REC, PFC, IRFC, and HUDCO bonds compare.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#What_Are_Section_54EC_Bonds_Now_Section_85\" >What Are Section 54EC Bonds (Now Section 85)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#The_6-Month_Investment_Window_Explained\" >The 6-Month Investment Window Explained&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#Current_Interest_Rates_and_Issuers_2026\" >Current Interest Rates and Issuers (2026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#Investment_Limits_and_Tax_Treatment\" >Investment Limits and Tax Treatment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#Key_Risks_to_Keep_in_Mind\" >Key Risks to Keep in Mind<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#Sources\" >Sources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>To use this provision, you have to reinvest your gains within six months in specific government-backed bonds and exempt them from tax on up to a gain of \u20b950 lakh. This relief is applicable without purchasing a new property or having to complete tedious paperwork, and you are left with a modest fixed-income investment with a 5-year lock-in. This guide breaks down all the fine print that most first-time investors are not familiar with and answers all your questions about 54EC bonds, including which bonds you can invest in today, what the interest rates are, and what you need to watch out for.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Are_Section_54EC_Bonds_Now_Section_85\"><\/span><strong>What Are Section 54EC Bonds (Now Section 85)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Section 54EC bonds, commonly known as capital gain bonds, are specified debt instruments that allow investors to claim an exemption from LTCG arising from the sale of land or building. Since the amendment made by the Finance Act 2018 took effect from April 1, 2019 <sup>[1]<\/sup>, Section 54EC has been restricted to LTCG from the sale of land or a building or both; gains from assets such as shares, mutual funds, and gold do not qualify.\u00a0<\/p>\n\n\n\n<p>Some other clarifications: the numbering of this provision has also been updated. In the new Income Tax Act, 2025, effective from 1 April 2026, this provision will be Section 85. The rules and benefits will remain the same, but the number of the section has been changed.&nbsp;<\/p>\n\n\n\n<p>These bonds are issued by government-backed entities and carry AAA ratings from CRISIL and ICRA, so the credit risk is almost negligible. However, they are not high-return instruments; think of these as tools to preserve wealth, not build it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_6-Month_Investment_Window_Explained\"><\/span><strong>The 6-Month Investment Window Explained&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is the section where most people get confused. You have six months from the date you transfer the property to invest the capital gains in eligible bonds, not from the date you receive the payment or register the sale deed. Miss this window by even a single day, and the exemption is lost, with no exceptions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A few practical pointers:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The six-month period begins after the sale transfer date, not the sale agreement date.<\/li>\n\n\n\n<li>You can invest in portions, but all the money must be invested before the deadline.<\/li>\n\n\n\n<li>Even if funds come from a sale, if the bonds were purchased after the deadline, they will not qualify for the exemption.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Bond Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/sagarmalas-12-year-funding-gap-how-its-blue-bond-strategy-works\/\" aria-label=\"Sagarmala&#8217;s 12-Year Funding Gap: How Its Blue Bond Strategy Works\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/18160051\/Sagarmala-12-Year-Funding-Gap-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Sagarmala 12 Year Funding Gap\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/18160051\/Sagarmala-12-Year-Funding-Gap-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/18160051\/Sagarmala-12-Year-Funding-Gap-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/18160051\/Sagarmala-12-Year-Funding-Gap-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/18160051\/Sagarmala-12-Year-Funding-Gap-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/18160051\/Sagarmala-12-Year-Funding-Gap.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/sagarmalas-12-year-funding-gap-how-its-blue-bond-strategy-works\/\">Sagarmala&#8217;s 12-Year Funding Gap: How Its Blue Bond Strategy Works<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/new-corporate-bond-rules-what-changes-for-retail-investors\/\" aria-label=\"New Corporate Bond Rules: What Changes for Retail Investors?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20150240\/Now-Corporate-Bond-Rules-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Now Corporate Bond Rules\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20150240\/Now-Corporate-Bond-Rules-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20150240\/Now-Corporate-Bond-Rules-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20150240\/Now-Corporate-Bond-Rules-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20150240\/Now-Corporate-Bond-Rules-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20150240\/Now-Corporate-Bond-Rules.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/new-corporate-bond-rules-what-changes-for-retail-investors\/\">New Corporate Bond Rules: What Changes for Retail Investors?<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/\" aria-label=\"Section 54EC Bonds Now Section 85: Save Tax on Property Sale\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20132713\/Section-54EC-Bonds-New-Section-85-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Section 54EC Bonds New Section 85\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20132713\/Section-54EC-Bonds-New-Section-85-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20132713\/Section-54EC-Bonds-New-Section-85-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20132713\/Section-54EC-Bonds-New-Section-85-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20132713\/Section-54EC-Bonds-New-Section-85-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/20132713\/Section-54EC-Bonds-New-Section-85.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/\">Section 54EC Bonds Now Section 85: Save Tax on Property Sale<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Current_Interest_Rates_and_Issuers_2026\"><\/span><strong>Current Interest Rates and Issuers (2026)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As of 2026, the coupon on <a href=\"https:\/\/goldenpi.com\/collections\/54-ec-capital-gain-bonds\">54EC bonds<\/a> across all issuers is roughly 5.25% p.a. and is more or less aligned with the RBI\u2019s repo rate. NHAI stopped issuing these bonds from April 2022, meaning REC, PFC, and IRFC are the main issuers now, with HUDCO joining in 2025 following a CBDT (Central Board of Direct Taxes) notification.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Issuer<\/strong><\/td><td><strong>Coupon Rate<\/strong><\/td><td><strong>Minimum Investment<\/strong><\/td><td><strong>Lock-in<\/strong><\/td><td><strong>Rating<\/strong><\/td><\/tr><tr><td>REC Ltd<\/td><td>~5.25% p.a.<\/td><td>\u20b920,000 (2 bonds)<\/td><td>5 years<\/td><td>AAA<\/td><\/tr><tr><td>PFC Ltd<\/td><td>~5.25% p.a.<\/td><td>\u20b920,000 (2 bonds)<\/td><td>5 years<\/td><td>AAA<\/td><\/tr><tr><td>IRFC<\/td><td>~5.25% p.a.<\/td><td>\u20b920,000 (2 bonds)<\/td><td>5 years<\/td><td>AAA<\/td><\/tr><tr><td>HUDCO<\/td><td>~5.25% p.a.<\/td><td>\u20b920,000 (2 bonds)<\/td><td>5 years<\/td><td>AAA<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>Sources: REF, PFC, IRFC, HUDCO<\/em><\/p>\n\n\n\n<p><em>Note: Coupon rates reset periodically on new tranches. Always check the live rate on the issuer&#8217;s site before applying.&nbsp;<\/em><\/p>\n\n\n\n<p>Since terms and minimum investments are near-identical across issuers, the practical decision usually comes down to which tranche is open and the interest payment date.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Investment_Limits_and_Tax_Treatment\"><\/span><strong>Investment Limits and Tax Treatment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The upper limit for investment in 54EC bonds is \u20b950 lakhs, applicable for the financial year in which the property is sold as well as the following financial year combined <sup>[2]<\/sup>. This little piece of crucial information catches many investors who assume they get a fresh \u20b950 lakh limit every year. The interest earned on these bonds is fully taxable under &#8220;Income from Other Sources,&#8221; though no TDS is deducted, so you&#8217;ll need to self-report it while filing returns.<\/p>\n\n\n\n<p>A quick example of how the exemption works: Assume you sold a piece of land and booked a long-term capital gain of \u20b940 Lakhs. If you decided to pay the tax at 12.5%, it would cost you \u20b95 Lakhs. However, if you choose to invest the \u20b940 Lakhs in 54EC bonds within the given time of 6 months, your tax liability will drop to zero on the gain. And while the interest you earn will be taxable, the principal will still be exempt.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Risks_to_Keep_in_Mind\"><\/span><strong>Key Risks to Keep in Mind<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Illiquidity: Bonds have a five-year lock-in. Selling, hypothecating, or using bonds as collateral for loans is not an option.<\/li>\n\n\n\n<li>Low real returns: With an expected return of at most 5.25%, returns fall behind inflation and other comparable opportunities in the AAA-rated debt space, which offer around 7% to 9% returns.<\/li>\n\n\n\n<li>Premature exit penalty: If the bond is sold, transferred, or used as collateral for a loan before maturity, the exemption is lost and the original gains become taxable in that year.<\/li>\n\n\n\n<li>One-time cap: You cannot exceed \u20b950 lakh combined across financial years for the same property sale.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1787211523901\"><strong class=\"schema-faq-question\">Q1. <strong>What are Section 54EC (Now Section 85) Capital Gain Bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\">Section 85 of the new Income-tax Act provides the capital-gains exemption mechanism corresponding to the earlier Section 54EC. Eligible taxpayers can invest in specified bonds after selling qualifying immovable property and claim an exemption from long-term capital gains, subject to the applicable conditions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787211535288\"><strong class=\"schema-faq-question\">Q2. <strong>What is the six-month rule for Section 54EC (Now Section 85) bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\">The investment must generally be made within six months from the date of transfer of the property giving rise to the eligible long-term capital gain. Missing this window can mean losing the exemption for that gain.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787211549825\"><strong class=\"schema-faq-question\">Q3. <strong>What is the maximum amount I can invest in Section 54EC (Now Section 85) bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\">The maximum investment eligible for the capital-gains exemption is \u20b950 lakh, subject to the applicable rules. Investors should also consider the statutory limit across qualifying investments where applicable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787211560218\"><strong class=\"schema-faq-question\">Q4. <strong>How long do Section 54EC (Now Section 85) bonds have to be held?<\/strong><\/strong> <p class=\"schema-faq-answer\">The bonds have a five-year lock-in period. They cannot ordinarily be redeemed before the specified maturity period.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787211649773\"><strong class=\"schema-faq-question\">Q5. <strong>Is the interest earned on Section 54EC (Now Section 85) bonds tax-free?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. The capital-gains exemption and interest taxation are separate. While eligible investments can provide relief from the qualifying capital gain, the interest earned on these bonds is taxable according to the applicable tax rules.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sources\"><\/span><strong>Sources<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a rel=\"nofollow\" href=\"https:\/\/www.incometaxindia.gov.in\/documents\/20117\/6475258\/Finance-Bill-2018.pdf\">https:\/\/www.incometaxindia.gov.in\/documents\/20117\/6475258\/Finance-Bill-2018.pdf<\/a>\u00a0<\/li>\n\n\n\n<li><a rel=\"nofollow\" href=\"https:\/\/wmstatic-prd.incometaxindia.gov.in\/web\/guest\/w\/section-54ec-23\">https:\/\/wmstatic-prd.incometaxindia.gov.in\/web\/guest\/w\/section-54ec-23<\/a>\u00a0<\/li>\n<\/ol>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"NewsArticle\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/#article\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/section-54ec-bonds-now-section-85-save-tax-on-property-sale\/\"\n    },\n    \"headline\": \"Section 54EC Bonds Now Section 85: Save Tax on Property Sale\",\n    \"description\": \"Selling a property and facing long-term capital gains tax? 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