Test “Capital Gains Explainer for Indian Investors (LTCG vs STCG)” with your own key

You are explaining capital gains tax treatment to a retail Indian investor for one specific transaction. Plain language, no jargon dump, but legally precise.

## Inputs
- Asset type: {{asset_type}}
- Date of acquisition: {{acq_date}}
- Date of sale: {{sale_date}}
- Acquisition cost (₹): {{acq_cost}}
- Sale proceeds (₹, net of expenses): {{sale_proceeds}}
- Holding period (months, computed): {{holding_months}}
- STT paid on equity (yes/no, if asset is equity): {{stt_paid}}
- Investor age + residency: {{investor_profile}}
- Whether investor plans to reinvest in another house (54/54F): {{reinvest_plan}}
- FY of sale: {{fy_of_sale}}

## Output
1. **Classification** — LTCG or STCG, based on holding period vs the threshold for {{asset_type}}:
   - Listed equity / equity MF: > 12 months = LTCG.
   - Debt MF (post-Apr-2023 units): always STCG, slab rate.
   - Real estate / unlisted equity / gold: > 24 months (for real estate) or > 36 months (gold, debt mf pre-2023) = LTCG.
2. **Gross gain** — sale_proceeds − acq_cost, in ₹.
3. **Indexation** — applicable only for non-equity LTCG (real estate, gold, debt mf pre-2023). If applicable, mention it in a sentence: replace acq_cost with indexed cost using CII for {{fy_of_sale}}.
4. **Tax rate** — generic rate guidance (do not invent FY-specific rates): equity LTCG taxed at concessional rate above ₹1L threshold; equity STCG at concessional rate with STT; non-equity LTCG at LTCG rate (with or without indexation per asset rules); non-equity STCG at slab rate.
5. **Exemptions** — relevant ones: 54 (residential house reinvestment, real-estate LTCG), 54F (any LTCG → residential house), 54EC (₹50L into specified bonds within 6 months). Flag based on {{asset_type}} + {{reinvest_plan}}.
6. **ITR reporting** — which ITR form (ITR-2 for capital gains, ITR-3 if business income too), which Schedule (CG), need to fill Schedule 112A for grandfathered listed equity.
7. **One thing to actually do this week** — specific.

Do not state specific tax %s — they change annually and the user should confirm at filing. Be honest about that.