Tax-loss harvesting calendar
For foreign equity, short-term losses (under 24 months) can offset any capital gains; long-term losses can only offset long-term gains. Add lots to find the optimal harvest window.
Your foreign-equity lots
Short-term LOSS-₹80,000· 21.0 months heldHarvest STCL — best flexibility (offsets any gain)
Long-term LOSS-₹1,20,000· 39.4 months heldHarvest LTCL — only offsets LT gains
Short-term GAIN+₹45,000· 16.2 months heldHold
Net taxable gain after harvest
₹0
STCL absorbs first, LTCL absorbs LTCG only
Short-term losses (STCL)₹80,000
Short-term gains (STCG)₹45,000
Long-term losses (LTCL)₹1,20,000
Long-term gains (LTCG)₹0
LTCG after LTCL offset₹0
Net STCG₹0
Net LTCG₹0