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* **Equity Shares and Equity Mutual Funds:** Long-term capital gains (held for over 12 months) are taxed at 10% (plus applicable cess and surcharge) if the gains exceed ₹1 lakh in a financial year. Gains up to ₹1 lakh are tax-free. This is a significant benefit for long-term investors.
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* **Accommodation:** Sort out your accommodation *before* you arrive. Itemple University may offer on-campus housing options, or you might need to find off-campus accommodation. The university website should provide information about housing options and how to apply. If you're looking for off-campus housing, start your search early and be wary of scams. The **Itemple University International Students Office** can provide you with a list of reputable landlords or rental agencies.
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