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32. Specialized Government Schemes (India)

Capital Gains Account Scheme (CGAS)

Capital Gains

Bank scheme to temporarily park capital-gains proceeds to claim tax exemption before reinvestment.

Risk Level
Low ★★☆☆☆
Liquidity
🔴 Low
Min Investment
₹10,000
Ticket Size
₹1 (RBI Retail Direct)
Ideal Horizon
1–30 years
Region
India

📈 Historical Returns (Indicative)

1 Year
6.8–7.5%
3 Years
7–7.5%
5 Years
7–7.5%
10 Years
7–7.5%
20 Years
7–7.5%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Capital Gains Account Scheme (CGAS)

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Low risk — capital largely protected
  • ✅ Predictable income stream
  • ✅ Capital preservation

Disadvantages

  • ❌ Low liquidity — funds may be locked in for years
  • ❌ Returns may not beat inflation
  • ❌ Interest rate risk for long-duration bonds

🚀 How to Invest in Capital Gains Account Scheme (CGAS)

  1. Research and compare options on Applica Finance
  2. Open appropriate account (Demat, bank, or platform account)
  3. Complete KYC with PAN and Aadhaar
  4. Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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