Speaking to DD after Budget 2023, FM Nirmala Sitharaman said, "Old  regime of taxation is complicated and the new regime will be helpful and benefit the people.  We have raised  Tax  slabs and surcharges also have been reduced in new regime. The new  system will be default system but any one can opt for old  system."

'Old Tax Regime Complicated'

While the Indian markets instantly cheered Budget 2023, Sensex settled 158 points up at 59,708.08 while Nifty ended 45 points down at 17,616.

Sensex Ends Over 150 Points Up

Customs duty on parts of TV panels has been cut to 2.5%.

TVs May Get Cheaper

"Salaried class and pensioners including Family pensioners for whom I propose to extend the Benefit of Standard deduction to the new tax regime . Each salaried person with an income of Rs 15.5 lakhs or more to benefit by Rs 52,500," says FM Nirmala Sitharaman.

Standard Deduction Included in New Tax Regime

The new tax rates are 0 to Rs 3 lakhs – nil, Rs 3 to 6 lakhs – 5%, Rs 6 to 9 Lakhs – 10%, Rs 9 to 12 Lakhs – 15%, Rs 12 to 15 Lakhs – 20% and above 15 Lakhs – 30%

Tax Slabs Overhauled in New Regime

I propose to increase income tax rebate limit to Rs 7 lakh from Rs 5 lakh under the new income tax regime: FM Nirmala Sitharaman

Income Tax Rebate Limit Increased to Rs 7 Lakh

Nirmala Sitharaman's Budget announces 16% increase in NCCD on certain cigarettes. NCCD is a surcharge and a type of excise duty which can be levied independently of the excise duty as contemplated under the provisions of Fourth Schedule to the Central Excise Act, 1944.

NCCD on Cigarettes Increased by 16%

Customs duty lowered for mobile phone components & TV sets, announces Finance Minister Nirmala Sitharaman

Customs Duty Lowered on Mobile Parts

Basic Customs Duty on Electric Kitchen Chimneys raised from 7.5% to 15.00%.

Electric Chimneys Basic Customs Duty Up

Fiscal deficit expected to be 5.9% of GDP in FY24, to bring it below 4% by 2025-26: FM Nirmala Sitharaman

Fiscal Deficit Expected to be 5.9% of GDP

Senior citizens' saving limit increased to Rs 30 lakh from Rs 15 lakh

Senior Citizens' Saving Limit up to Rs 30 Lakh

States will be encouraged to set a ‘Unity Mall’ in state capital or the most popular tourist destination in the state for the promotion and sale of ‘One District, One product’ and GI products and other handicraft: FM Sitharaman

Unity Malls in States for Tourism Push

To skill the youth for international opportunities, 30 Skill India International Centres will be set up across different States: FM Nirmala Sitharaman

30 Skill India International Centres

100 labs for development of 5G apps to be set up in engineering institutes. Lab grown diamonds production to be encouraged via grant to an IIT: Nirmala Sitharaman

100 Labs For 5G Apps

50 additional airports, helipads, water aero drones, advanced landing grounds will be revived to improve regional air connectivity: FM Nirmala Sitharaman

50 Additional Airports to Improve Air Connectivity

PAN will be used as common identifier for all digital systems of specified govt agencies: FM Nirmala Sitharaman

PAN as Common Identifier

Three centres for excellence For artificial intelligence will be set up in top institutes: FM Nirmala Sitharaman

Big Push For AI, Centres to be Set up

Big jump in PM Awas Yojana, as allocation hiked 66% to Rs 79000 Cr. 

PM Awas Yojana Allocation Hiked 66%

Rs 15,000 Crore Will Be Spent In Three Years On Scheduled Tribe Mission: FM Nirmala Sitharaman in Budget 2023 Speech

Rs 15,000 For Scheduled Tribe Mission

PM Vishwa Karma Kaushal Vikas Scheme, a package of assistance for traditional artisans and crafts people, has been conceptualised. It will enable them to improve quality, scale and reach of their products, integrating with MSME value chain: Nirmala Sitharaman in Budget 2023 speech

PM Vishwa Karma Kaushal Vikas Scheme

The agricultural credit target will be increased to Rs 20 lakh crores with a focus on animal husbandry, dairy and fisheries: FM Nirmala Sitharaman

'Agriculture Credit to be Increased'

Promotion of tourism will be taken up on mission mode, says Finance Minister Nirmala Sitharaman in Budget 2023 speech

'Tourism Promotion on Mission Mode'

FM Nirmala Sitharaman in Budget 2023 speech: "Indian economy has risen from being 10th to fifth largest economy."

'Indian economy has risen to be fifth largest'

Finance Minister Nirmala Sitharaman presented the Union Budget 2023-24 in Parliament. She began her speech by calling it the "first Budget of Amrit Kaal".

FM Presents Budget 2023 in Parliament

The markets seem to have high expectations from FM Nirmala Sitharaman's Budget 2023. Sensex was trading over 500 points higher minutes before the Budget presentation.

Sensex up by 540 Points

Union Budget 2023 copies have arrived in Parliament. FM Nirmala Sitharaman will present the Budget shortly. 

Budget Copies Arrive in Parliament

The Union Cabinet met at Parliament ahead of Union Budget 2023. Finance Minister Nirmala Sitharaman will deliver her Budget speech at 11 am. 

Cabinet Meets Ahead of Budget 2023 Speech

Union Minister of Finance and Corporate Affairs Nirmala Sitharaman, MoS Dr Bhagwat Kishanrao Karad, MoS Pankaj Chaudhary and senior officials of the Ministry of Finance called on President Droupadi Murmu at Rashtrapati Bhavan before presenting the Union Budget 2023-24.

Budget 2023 Team Meets President Droupadi Murmu

The Indian markets opened in green ahead of Union Budget 2023. While Sensex opened 347 points up, Nifty was over 100 points up. 

Markets Open in Green Ahead of Budget 2023

MoS Finance Pankaj Chaudhary says, "You will see that every section is included in Budget. It will meet the expectations of every section of society. Modi govt has always worked in the favour of the people of the country."

Every Section Included in Budget 2023: MoS Finance

In Budget 2023, industry players are also expecting to tax incentives on insurance. Industry players said that the Union Budget is an opportunity to introduce new reforms for the betterment of the citizens and the nation at large.

Tax Incentives on Insurance Expected

There are also expectations around an increase in tax exemptions on home loan principal and interest payments in Union Budget 2023.

More Home Loan Tax Incentives?

In Budget 2023, there is an expectation that the government might give relief to individual taxpayers by raising tax exemption or rebate limit.

Tax Exemption Limit May Increase

Akshit Bansal, Founder & CEO of Statiq said, “As a leading EV-charging network in the country, the government should re-examine its tax and tariff policies on not only EVs but also related component requirements for the e-mobility ecosystem."

Re-examine Taxes, Says EV Industry 

The financial technology (fintech) industry is hoping to get further push from the budget 2023 in order to move ahead and increase the network of digital payments.

Fintech Industry Hopes For Further Push

According to Kantar ITOPS 2022 study, the pandemic had hit the MSME businesses hard, but the segment has bounced back and is currently extremely positive about the business and Indian economy despite worry of tough global economic scenario.

MSMEs Positive About Indian Economy

Economic Survey has pegged FY23 Real GDP growth At 7%. Domestic demand, capital expenditure pick-up to aid growth

FY23 Real GDP Pegged at 7%

India’s recovery from pandemic was relatively quick; growth to be supported by domestic demand, pick up in capital investment, says Economic Survey 2022-23.

'India's Recovery From Pandemic Relatively Quick'

Finance Minister Nirmala Sitharaman on Tuesday presented the Economic Survey 2022-23, the report card of India’s economy, in Parliament. According to the Economic Survey 2022-23, India’s real GDP growth for the next financial year FY24 is pegged at 6-6.8 per cent.

FY24 GDP Growth Seen At 6-6.8%

More than half the households expect a decline in their income the current financial year, as compared to the previous fiscal. Most are looking for a respite in the coming budget as they stare at uncertainty when it comes to their earnings and savings, as per a survey.

60% Households Expecting Decline in Income, Looking for Relief

In India, therapy sessions cost anywhere between Rs 1,000-4,500 on an average depending upon where one lives. Those who are recommended by their psychiatrist to seek therapy are sceptical because of the high cost. Dr Neerja Birla, founder and chairperson, Mpower and Aditya Birla Education Trust, says, the cost is the tip of the iceberg. “Mental-health issues do not go away with one or two sessions. At Rs 1,000-1,500 per session, an average person cannot afford 10-20 sessions that are required to put him or her firmly on the path of recovery.”

FM Should Consider Mental Health Insurance, Say Experts

The traditional 'Halwa ceremony' was on Thursday (January 26) held in the North Block, marking the final stage of the Budget preparation process for the Union Budget 2023-24. The ceremony was held in the presence of Finance Minister Nirmala Sitharaman and Union Ministers of State for Finance Pankaj Chaudhary and Bhagwat Kisanrao Karad.

Halwa Ceremony Held To Mark Final Stage of Budget Preparation Process

Ahead of Budget 2023, the economic survey will also be tabled on Tuesday, January 31. The Economic Survey of India broadly covers the state of the Indian economy, fiscal developments and monetary management, and external sectors.

Economic Survey 2023 to be Presented on January 31

Finance Minister Nirmala Sitharaman's Union Budget 2023 team consists of TV Somanathan, Ajay Seth, Tuhin Kanta Pandey, Sanjay Malhotra, Vivek Joshi and V Anantha Nageswaran. 

TV Somanathan, Ajay Seth Part of FM's Squad Preparing Budget Document

Union Budget 2023-24, which will be presented on February 1 by Finance Minister Nirmala Sitharaman, will be delivered in paperless form, like the previous two Budgets, the finance ministry said on Wednesday. The Budget 2023 documents will be available on mobile apps.

Budget to be Available in Paperless Form on Union Budget App

The Union Budget 2023 will be presented on February 1, 2023. Finance Minister Nirmala Sitharaman will deliver the Budget Speech in Parliament on Wednesday. This will be her fifth Budget Speech.

FM Nirmala Sitharaman to Present Union Budget 2023 on Wednesday, February 1 

Credit Score चांगलाय, तरी लोन मिळत नाही? असू शकतात ही कारणं

<strong>मुंबई, 8 मार्च:</strong> कर्ज घेण्याच्या प्रक्रियेत क्रेडिट स्कोअर खूप महत्त्वाची भूमिका बजावते. तुमचा क्रेडिट स्कोअर चांगला असेल, तर तुम्ही सहज लोन डील मिळवू शकता. दुसरीकडे, जर तुमचा क्रेडिट स्कोअर चांगला नसेल, तर तुम्हाला कर्ज मिळवण्यात अनेक अडचणी येऊ शकतात. मात्र अनेक वेळा असे घडते की, चांगला क्रेडिट स्कोर असूनही कर्ज मिळत नाही. यामागे काही कारणं आहेत. चांगला क्रेडिट स्कोअर असूनही ग्राहकाला कर्ज मिळू न शकण्याची कोणती कारणे आहेत ते जाणून घेऊया.

कर्जासाठी अर्जदाराचे वय खूप महत्त्वाचे आहे. अनेक वेळा 60 वर्षांपेक्षा जास्त वयाच्या लोकांना कर्ज मंजूर होत नाही. निवृत्तीचे वय जवळ आलेले लोक सहसा गृहकर्जासाठी किंवा 15 ते 25 वर्षांच्या मुदतीच्या कर्जासाठी पात्र मानले जात नाहीत. कर्ज देणाऱ्यांना असे वाटते की कर्जदार निवृत्तीनंतर EMI भरू शकणार नाही.
<h3 class="jsx-3918524224"><a href="https://lokmat.news18.com/photogallery/money/loan-against-lic-policy-know-how-to-apply-online-and-offline-process-mhmv-843425.html">अचानक पैसे लागल्यास कसे उभे करायचे, तुमच्या पॉलिसीवर मिळणार का लोन? काय नियम</a></h3>
<h3>परतफेड क्षमता</h3>
कर्ज अर्जामध्ये अर्जदाराच्या उत्पन्नाला खूप महत्त्व असते. जेव्हा जेव्हा कर्ज देणाऱ्याला कर्जाचा अर्ज येतो तेव्हा तो अर्जदाराच्या परतफेड क्षमतेचे मूल्यांकन करतो. हे मूल्यमापन मासिक उत्पन्न, अवलंबितांची संख्या आणि उत्पन्नाच्या स्त्रोताच्या स्थिरतेच्या आधारावर केले जाते. जर तुमचा क्रेडिट स्कोअर चांगला असेल परंतु मासिक उत्पन्न कमी असेल तर तुमचा कर्ज अर्ज फेटाळण्याची शक्यता वाढते.
<p class="jsx-1994540232"><a href="https://lokmat.news18.com/money/how-to-choose-the-best-family-floater-health-insurance-policy-know-details-gh-mhmv-843340.html">बेस्ट फॅमिली फ्लोटर हेल्थ इन्शुरन्स पॉलिसी कशी निवडावी? एका क्लिकवर घ्या जाणून</a></p>

<div class="jsx-1994540232 artcl_contents"></div>
<h3>ईएमआय ते उत्पन्नाचे प्रमाण</h3>
लोन डील मंजूर करताना EMI-उत्पन्न गुणोत्तर देखील कर्ज देणारे पाहतात. कर्जदाराची एकूण वर्तमान EMI परतफेड रक्कम त्याच्या मासिक उत्पन्नाच्या 50 टक्क्यांपेक्षा कमी असल्यास, त्याच्या नवीन कर्ज अर्जाला मंजुरी मिळण्याची शक्यता वाढते.
<iframe id="iframe-929728" class="nw_webstory_embed" src=" https://lokmat.news18.com/web-stories/money/top-10-credit-cards-in-india-how-much-are-their-fees-know-details-mhmv/ " width="100%" height="550"></iframe>
<h3>तुमचा जॉब</h3>
बहुतेक बँका आणि वित्तीय संस्थांना कर्ज अर्जदारासाठी किमान दोन वर्षांचा कामाचा अनुभव आवश्यक असतो. यामुळे डिफॉल्टचा धोका कमी होतो. दुसरीकडे, जर तुम्ही वारंवार नोकर्‍या बदलत असाल तर ते अस्थिर करिअरचे लक्षण आहे. अशा लोकांची विश्वासार्हता कमी होते आणि तुमची लोन डील रद्द होण्याची शक्यता वाढते.

तुमचा क्रेडिट स्कोअर चांगला असेल तर तुम्ही पसंतीचे कर्ज सहज मिळवू शकता. दुसरीकडे, जर तुमचा क्रेडिट स्कोअर चांगला नसेल, तर तुम्हाला कर्ज घेताना अनेक अडचणींना सामोरे जावे लागू शकते.


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पुणे

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मुंबई, 8 मार्च: कर्ज घेण्याच्या प्रक्रियेत क्रेडिट स्कोअर खूप महत्त्वाची भूमिका बजावते. तुमचा क्रेडिट स्कोअर चांगला असेल, तर तुम्ही सहज लोन डील मिळवू शकता. दुसरीकडे, जर तुमचा क्रेडिट स्कोअर चांगला नसेल, तर तुम्हाला कर्ज मिळवण्यात अनेक अडचणी येऊ शकतात. मात्र अनेक वेळा असे घडते की, चांगला क्रेडिट स्कोर असूनही कर्ज मिळत नाही. यामागे काही कारणं आहेत. चांगला क्रेडिट स्कोअर असूनही ग्राहकाला कर्ज मिळू न शकण्याची कोणती कारणे आहेत ते जाणून घेऊया.

कर्जासाठी अर्जदाराचे वय खूप महत्त्वाचे आहे. अनेक वेळा 60 वर्षांपेक्षा जास्त वयाच्या लोकांना कर्ज मंजूर होत नाही. निवृत्तीचे वय जवळ आलेले लोक सहसा गृहकर्जासाठी किंवा 15 ते 25 वर्षांच्या मुदतीच्या कर्जासाठी पात्र मानले जात नाहीत. कर्ज देणाऱ्यांना असे वाटते की कर्जदार निवृत्तीनंतर EMI भरू शकणार नाही.
अचानक पैसे लागल्यास कसे उभे करायचे, तुमच्या पॉलिसीवर मिळणार का लोन? काय नियम
परतफेड क्षमता
कर्ज अर्जामध्ये अर्जदाराच्या उत्पन्नाला खूप महत्त्व असते. जेव्हा जेव्हा कर्ज देणाऱ्याला कर्जाचा अर्ज येतो तेव्हा तो अर्जदाराच्या परतफेड क्षमतेचे मूल्यांकन करतो. हे मूल्यमापन मासिक उत्पन्न, अवलंबितांची संख्या आणि उत्पन्नाच्या स्त्रोताच्या स्थिरतेच्या आधारावर केले जाते. जर तुमचा क्रेडिट स्कोअर चांगला असेल परंतु मासिक उत्पन्न कमी असेल तर तुमचा कर्ज अर्ज फेटाळण्याची शक्यता वाढते.
बेस्ट फॅमिली फ्लोटर हेल्थ इन्शुरन्स पॉलिसी कशी निवडावी? एका क्लिकवर घ्या जाणून


ईएमआय ते उत्पन्नाचे प्रमाण
लोन डील मंजूर करताना EMI-उत्पन्न गुणोत्तर देखील कर्ज देणारे पाहतात. कर्जदाराची एकूण वर्तमान EMI परतफेड रक्कम त्याच्या मासिक उत्पन्नाच्या 50 टक्क्यांपेक्षा कमी असल्यास, त्याच्या नवीन कर्ज अर्जाला मंजुरी मिळण्याची शक्यता वाढते.

तुमचा जॉब
बहुतेक बँका आणि वित्तीय संस्थांना कर्ज अर्जदारासाठी किमान दोन वर्षांचा कामाचा अनुभव आवश्यक असतो. यामुळे डिफॉल्टचा धोका कमी होतो. दुसरीकडे, जर तुम्ही वारंवार नोकर्‍या बदलत असाल तर ते अस्थिर करिअरचे लक्षण आहे. अशा लोकांची विश्वासार्हता कमी होते आणि तुमची लोन डील रद्द होण्याची शक्यता वाढते.

क्रेडिट स्कोअर चांगला असुनही लोन अॅप्लिकेशन रिजेक्ट का होतंय?

मनी

आपला जिल्हा निवडा

Credit Score चांगलाय, तरी लोन मिळत नाही? असू शकतात ही कारणं