Fom 15g applicable or not

Only taxable incomes are aggregated, not exempt income.

If LT capital gains are equity based (i.e. exempted) form 15 can be issued.

Conditions to be satisfied to submit form 15G/15H to banks

1. Assessee is an individual or HUF
2. He must be a Resident Indian
3. He should be less than 60 years old (If more than 60 years form 15H is applicable)
4. Tax calculated on his Total Income is NIL
5. The total interest income for the year is less than the minimum exemption limit of 2.5 Lacs.