Thursday, 28 February 2013

HOW BUDGET 2013-14 BENEFITS YOU


Budget presented can be described as solid, sound & credible. Not a spectacular one, no fireworks, not an election budget in the sense of populist giveaways, but yes, a subtle election budget- to bring inflation down, stimulate growth, make sure that foreign investment comes in & keeps rupee strong so that CAD (current account deficit is fixed. It aims to satisfy the investment community, the voters and also promotes the notion that India is turning around. It is, therefore, not an austerity budget. The importance of stability in tax rates is well highlighted & the surcharge on the super rich for one year will be entirely acceptable. The budget seems to be positive for the markets and for the economy.

SALIENT POINTS
  • FY13 growth rate pegged at 5% and FY14 growth pegged at 6.1-6.7%
  • Capital Markets
    • Proposed launch of inflation indexed bonds;
    • RGESS modified to include mutual funds and investments in three consecutive years; RGESS income limit raised to Rs. 12 lakhs;
    • STT reduced and introduction of commodities transactions tax
  • Fiscal Deficit: To be reduced to 4.8% in FY14 from the revised 5.2% in FY13
  • Taxation
    • No change in taxation slabs or tax rates
    • Tax credit of Rs. 2000 for individuals with total income up-to Rs. 5 lakhs
    • Surcharge of 10% on individuals with annual taxable income of over Rs. 1 crore
    • Surcharge increased to 10% from 5% on companies with annual taxable earnings of over Rs. 10 crore (5% for foreign companies)
    • Surcharge on dividend distribution tax raised to 10% from 5%.
    • Addl. Rebate of Rs. 1 Lac (over and above Rs. 1.50 Lacs presently) for Interest on 1st Housing Loan for a House Value up to Rs. 25 Lacs.
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