Is sex chat with your boyfriend or your love is gunnah or zina?
Really very confused!

The Islamic Ruling Concerning the Criminal Act of Zina

Quote:

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In today's English, the word used for a married person who engages in unlawful sexual intercourse is adultery; the single person who engages in sexual intercourse is fornication. Unlike English, Arabic has only one word for both cases – zina.

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Not sure if this is not what you mean,

Gunnah (Sin) for Sale during Marriage from Free Muslim Matrimonial website

It appears that sex chat though is frowned upon in Islam as conduct unbecoming of single men or women.

I assume you are Muslim/Arab, and not Hindi, please correct if necessary.

This is gunnah.. not zinah , anyone except husband is gunnah