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Capital Gains (Securities)

You hold old physical share certificates and want to sell them

A drawer of paper share certificates from years ago, and no way to turn them into money because no broker will touch physical shares.

You, or a parent whose shares you inherited, held shares the old way: physical certificates, bought decades ago, never converted to electronic form. Now you want to sell them, and you find you cannot, because the market moved to demat-only years ago and a certificate is no longer something you can hand to a broker. On top of that, you have no idea what these very old shares are treated as costing. Both problems are solvable: there is a defined route to convert and sell, and the cost is set by rules that are usually in your favour.
Last reviewed: 26 July 20268 min readReviewed by Preetesh Maloo, CA

The short answer

You cannot sell physical shares directly. Since 2019 listed shares can only be transferred in dematerialised form, so the certificates must first be dematerialised into a demat account, after which they are sold on-market. SEBI has opened a special one-year window, running to early 2027, to re-lodge and dematerialise old physical shares that were held before the 2019 cut-off, with a one-year lock-in on the shares once credited. For the tax, the cost of very old shares is the 1 April 2001 value if they were bought before then, and for listed equity the gain accrued up to 31 January 2018 is protected by the grandfathering rule. On sale the buyer withholds under Section 195, and long-term gains are 12.5% above the ₹1.25 lakh annual exemption.

References on this page

  • SEBI: listed shares transfer only in dematerialised form since 2019 (a 2026-27 special re-lodgement window is open)
  • Section 55(2)(b): 1 April 2001 fair-market value as cost for shares acquired before then
  • Section 112A: long-term equity gains at 12.5% above ₹1.25 lakh, with 31 January 2018 grandfathering
  • Section 195: TDS on the sale by a non-resident

You have to dematerialise before you can sell

The first thing to know is that physical share certificates are no longer sellable as they are. Since 2019, listed securities can only be transferred in dematerialised form, so a paper certificate has to be converted into electronic shares in a demat account before any sale. The only things you can still do with a physical certificate directly are transmit it to an heir or correct the order of names, not sell it.

There is a helpful development for exactly this situation. SEBI has opened a special one-year window, running into early 2027, allowing old physical shares held before the 2019 cut-off to be re-lodged and dematerialised, with a one-year lock-in on the shares once they are credited. For an NRI sitting on decades-old certificates, this is the practical route: convert the certificates into your demat account, then sell them on the exchange in the ordinary way.

What very old shares are treated as costing

The cost of shares bought long ago is not the tiny original price. For shares acquired before 1 April 2001, you may substitute their fair-market value as on that date as the cost (Section 55(2)(b)). And for listed equity, a further protection applies: the gain that had accrued up to 31 January 2018 is grandfathered, so your cost is taken as the higher of what you actually paid or the value on 31 January 2018, which shelters years of appreciation (Section 112A).

Bonus and rights shares have their own cost rules, bonus shares issued after 1 April 2001 are treated as costing nothing, while older ones take the 2001 value. Between the 2001 substitution and the 2018 grandfathering, the taxable gain on genuinely old shares is usually far smaller than the raw difference between the original price and today's, which is the point most holders miss.

The tax on the sale

Once the shares are in demat form and sold, the tax is the ordinary listed-equity position. Long-term gains, on shares held more than twelve months, are taxed at 12.5% on the amount above the ₹1.25 lakh annual exemption, with no indexation, for sales on or after 23 July 2024 (Section 112A). Short-term gains are taxed at 20% (Section 111A), the rate having risen from 15% on that date.

As a non-resident, the buyer side deducts TDS under Section 195 on your gain. A practising CA handles the whole chain: getting the certificates dematerialised through the special window, establishing the 2001 and 2018 cost figures so the gain is correctly small, and reconciling the TDS so any excess comes back on your return.

Want a senior CA to handle this for you — start to finish?

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What's involved

What the CA actually does

  1. 1

    We get the certificates dematerialised

    We guide the conversion of your old physical certificates into a demat account through the current SEBI re-lodgement window, so they become sellable.

  2. 2

    We establish the old cost

    We fix the 1 April 2001 value and the 31 January 2018 grandfathered value for the shares, so the taxable gain reflects those protections rather than the original tiny price.

  3. 3

    We compute the gain at the NRI rate

    We work the long-term or short-term gain at the correct current rate with the ₹1.25 lakh exemption, and add the right surcharge and cess.

  4. 4

    We reconcile the TDS

    We make sure the Section 195 TDS on the sale is claimed on your return and any excess is refunded.

What to have ready

Documents you'll typically need

  • The physical share certificates
  • Any record of when and at what price the shares were bought
  • Details of any bonus or rights shares
  • Your NRO or NRE demat account details

Your destination country can change the details

Requirements differ from one consulate, university and visa route to the next — how recent the figures must be, how long funds must have been held, and which certificates are mandatory. We assemble the documents around the exact checklist you're applying under. To see how India's tax treaty with your country of residence affects related filings, set your country below or compare all 31 countries.

Frequently asked questions

Common questions

Old physical share certificates you cannot sell?

Tell us what you hold and roughly when it was bought. A practising CA will get them demat and sold on a free call, no obligation.

No card, no obligation. All certification and filing work is handled by ICAI-registered practising Chartered Accountants.