Global conflicts could increase in the future, which may provide an opportunity for defence equipment manufacturers and solutions providers

As humanity shifts to a multipolar world order, there are risks of new conflicts arising among several countries. We are already seeing conflicts in the Middle East, Russia-Ukraine, etc. More conflict zones could emerge in the future, as countries seek to take control of resources and expand their influence.

Rising global conflicts will significantly increase the demand for defence equipment, software and services. Such developments can be beneficial for defence equipment manufacturers. To know if you should invest in defence stocks, here are some important aspects to consider.

Mega defence modernization program

Faced with neighbors that have already waged multiple wars, India is seeking rapid modernization of its defence forces and assets. While importing advanced weapon systems, the government is also focusing on self-reliance and bolstering domestic manufacturing. Defence budget for 2024-25 is around Rs 6.22 lakh crore, which is quite massive.

A significant percentage of this budget will be allocated for acquiring weapons and capabilities from local manufacturers. Such developments can boost defence stocks over the next 5-10 years. Defence assets to be acquired include nuclear-powered attack submarines, which will be built at the Visakhapatnam shipyard. Next-gen missile vessels are to be built by Cochin Shipyard Ltd. Air force will be strengthened with LCA Mk1A fighter jets, which are expected to be inducted in 2025.

Other purchases include Prachand helicopters and Advanced Towed Artillery Gun Systems (ATAGS). Priority defence assets to be imported include Scorpene submarines from France, MQ-9B high altitude long endurance drones, Rafale marine jets and C-295 transport aircraft. Even for imported items, the service and maintenance are likely to be given to domestic players.

Focus on exports

In addition to domestic needs, India is also focusing on exports of defence equipment. This will ensure that local defence manufacturers have a ready stream of orders from global players. In 2025, the Indian government is aiming around US$5 billion in exports of defence equipment. Defence equipment exports have already shown a health growth of 32.5% in FY 2023-24 to US$2.63 billion. The aim for FY 2028-29 is set at around US$6 billion. With both domestic and export orders, Indian defence equipment manufacturers can see an increase in their stock valuation in the coming years.

Which Indian defence stock to invest?

There are many defence stocks in India that you can invest in. Especially if you are looking at a long-term investment option. Below are some of the defence stocks that show potential.

• Hindustan Aeronautics Ltd (HAL)
• Bharat Electronics Ltd (BEL)
• Bharat Dynamics Ltd (BDL)
• Data Patterns (India) Ltd
• Mazagon Dock Shipbuilders and Garden Reach Shipbuilders
• Paras Defence and Space Technologies Ltd
• Sika Interplant Systems Ltd

DISCLAIMER – This article is for informational purposes only and does not constitute financial advice. Always conduct your own research or consult a SEBI-registered professional before making any investment decisions. Investments are subject to market risks.

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In times of uncertainty, it is possible that interest rate on fixed deposits can be reduced by several banks in the near future

With a risk-averse culture, investors in India have a significant preference for fixed deposits. It is estimated that more than 90% of investors in India have some of their savings parked in fixed deposits. However, based on current uncertain times, it is possible that interest rates on fixed deposits could be reduced in the near future. If you are not satisfied with the interest earned on your fixed deposits, here are some other reliable options you can consider.

Post Office Savings Schemes – There are various investment options available at post offices such as Post Office Time Deposits, National Savings Certificate (NSC) and Senior Citizen Savings Scheme (SCSS). Interest rate earnings on these investments are in the range of 7.5% to 8.2%. You can invest in the name of your senior citizen parents to get the max interest rate of 8.2%. Since these are backed by the Government of India, you can expect guaranteed returns with high safety. You can also avail tax deductions under Section 80C for up to Rs 1.5 lakh.

Public Provident Fund (PPF) – This will be suitable if you are looking at retirement planning. Annual interest rate of around 7.1%, but you stand to gain much more due to the compounding effect over several years. PPF is also backed by the Government of India and is eligible for tax benefits under Section 80C. PPF is considered better than fixed deposits, as the compounding factor increases the effective returns. For max gains, you have to ensure a 15-year tenure for your investment in PPF. You can withdraw partially only after 5 years.

RBI Floating Rate Savings Bonds – These are issued by the Reserve Bank of India and come with a tenure of 7 years. Interest rate can be around 8.05% per annum. It is linked to the NSC, wherein an addition 0.35% is applied to the NSC interest rate. Interest rates are adjusted semi-annually. While interest rate is higher, there is no tax benefit for RBI floating rate savings bonds scheme. One also has to accept the lock-in period of 7 years.

AAA-rated corporate bonds – Rather than raising money from the market, many corporates borrow directly from retail investors via corporate bonds. Depending on the company you choose, the interest rate could be anywhere between 7.5% to 9%. Corporate bonds usually offer higher returns than fixed deposits. For reducing risks, you can choose corporate bonds that are AAA rated by agencies like CRISIL or ICRA). While corporate bonds can be beneficial, they do not have tax benefits.

You can use the above investment options to diversify your portfolio. This way, even if fixed deposit interest rates fall in the future, you can still stay on track to achieve your ROI targets.

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Investment in startups is treated as ‘high-risk, high-reward’, which is why you need to assess your risk tolerance and overall financial situation

Startups may appear promising, but there are risks involved. It is often a new business idea that may or may not work in the long run. Even after good market response in initial stages, things like lack of adequate profits or continuous losses could put a question mark on the companyº£½ÇÖ±²¥ future.

As is evident, investing in startups can be quite risky. However, startups also have the potential to make you a millionaire. Let us take a look at how much you can safely invest in startup stocks.

Conservative estimate – If you have limited funds and prioritize stability, investment in startup stocks can comprise up to 5% of your portfolio. This will help you avoid any major volatility, which is often seen with startup stocks. Also, you will not have to face the situation where a significant part of your funds is locked-up due to a low share price over longer durations.

Moderate estimate – If you are looking at both growth potential and risk mitigation, investment in startup stocks at around 5% to 10% of your portfolio would be ideal.

Aggressive estimate – For maximizing profits, investment in startups stocks could be up to 20% of your portfolio. You can do this in various situations. For example, if you have funds that you can afford to lose. Or if you are confident that a specific startup stock will witness significant growth in the near future. While startup failure rate is high, the stocks may be highly valued in the initial stages. This is the best time to book your profits and exit. New startups are launched every year, so you can transfer the funds in these stocks.

Tips to succeed with startup stocks

Avoid long-term investment – Since failure rate of startups is quite high, it is generally not advisable to stay invested in the long term. If the market conditions are favorable, startup stocks may see a spike soon after their listing on the stock markets. This could be the right time to sell and book profits if you have got the shares via an IPO.

Do not gamble your savings – Some startup stocks may be marketed via influencers and other media channels. These may seed the idea in your mind that these stocks are expected to return major profits in the coming months. However, you should not blindly believe in such stories. It is important to do your own research before investing in startup stocks.

Diversification is the key – While investing in startup stocks, the age-old principle of portfolio diversification still holds true. So, make sure the majority of your portfolio still has traditional investments such as equity, mutual funds, ETFs, debt instruments, fixed deposits, gold, etc.

With the above tips, you can maximize your returns on investment in startup stocks. Make sure you study the business potential of the startup and leadership team before making any decision.

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Along with traditional investment avenues, farmers also need to allocate funds for improving crop productivity and reducing losses

Investment needs vary from individual to individual. The same applies to farmers, who generate most of their income from agricultural activities. To ensure prosperity across the country’s rural areas, let us take a look at some investment options that are most suitable for farmers.

Cold storage warehouse – By increasing the shelf life of perishable items, farmers can reduce wastage and get better prices for their produce. A farmer can also give the cold storage facility to other farmers on rent basis. This will help generate additional income. To set up a cold storage facility, farmers can apply for loans from any of the available public sector banks in the area. A number of items can benefit from a cold storage facility such as fruits and vegetables, dairy products, meat, fish and eggs, flowers, mushrooms, semi processed items, etc.

Alternate income opportunities – Along with the primary rice or wheat crops, farmers can also invest in other income generating businesses such as livestock and poultry, beekeeping, mushroom farming, timber farming, etc. Many farmers have land that is not cultivated. This can be used for starting such high cash flow businesses. Some investment may be required to set up the basic infrastructure and purchase the necessary tools and equipment.

Risk management – As farmers are largely dependent on crop yield, it becomes important to allocate funds to insure their crops and livestock. A number of factors can adversely impact crops such as floods, drought, pests, microbial infections, hailstorm, heatwaves, etc. The government already provides crop insurance at affordable rates, wherein premiums are as low as 1.5% of the sum assured. By insuring their crops and livestock, farmers can ensure financial stability.

Gold investment – Farmers can invest some of their savings in gold. It is important to invest in gold in small amounts, so that any risk of loss due to theft or burglary can be avoided. Gold investment can benefit farmers with relatively large families. Also suitable for areas where the crime rate is low. Profits from the gold investment can be used to buy farm equipment or start other side ventures. Gold can also be used as gifts for loved ones at the time of their marriage.

Government savings schemes – Farmers can invest their savings in various government-backed savings schemes. Some options to consider include Public Provident Fund (PPF), Kisan Vikas Patra (KVP), Post Office Monthly Income Scheme (POMIS), Senior Citizens’ Savings Scheme (SCSS), PM Kisan Samman Nidhi, etc. These investment options are suitable for farmers, as there is virtually no risk. Moreover, returns are fixed and automatically generated after the term of the scheme. As such, farmers do not have to go through the hassle of tracking the market value of their investments.

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By breaking down expenses into easily understandable categories, it becomes easier to manage your income and achieve financial security

Many of us often tend to overspend, as we are unable to differentiate between our real needs and non-priority items. This habit eventually leads to high credit card bills or increasing debt. Such impulsive behavior is one of the key reasons for loan defaults. But what many people do not realize is that managing one’s income can be quite easy. Especially with simple budgeting approaches like the 50/30/20 rule.

What is 50/30/20 budgeting rule?

According to the 50/30/20 budgeting rule, your income needs to be grouped into three different categories. 50 refers to the 50% of your income that should be allocated to non-avoidable expenses. It includes expenses such as utility payments, groceries, insurance, healthcare expenses, child’s school or college fees, etc. The 30 refers to 30% of your income that you can use as expenses for maintaining a specific lifestyle. For example, you may want to dine out, buy a membership to a club, travel to explore the world, buy luxury items, etc.

The remaining 20 refers to the 20% of your income that should be used for savings and investments. Life is uncertain and there can be unforeseen financial needs in the future. That is why you need to be ready to deal with such unpredictable challenges. Savings will also be needed to fulfill your long-term goals such as buying a house, retirement planning, etc.

What are the benefits of 50/30/20 budgeting?

Easy to understand and use – The 50/30/20 budgeting rule can be easily understood by most people. It is also easy to implement and does not require any advanced tools. It can work on just a notepad or you can use an Excel sheet for easy calculations.

Balanced approach – Some level of financial freedom is needed to live a fulfilling and meaningful life. One cannot be asked to focus solely on needs and savings. The 50/30/20 budgeting rule ensures that you have ample money to fulfill your lifestyle needs. This balanced approach makes the 50/30/20 rule successful even in the long-term.

Suits all incomes – While some adjustments may be needed based on personal preferences, the 50/30/20 budgeting rule meets the requirements of a wide range of income levels. Irrespective of whether your income is 10 lakh or 20 lakh, the 50/30/20 rule will remain workable in both cases.

Sustainable spending habits – With a 50/30/20 budgeting rule, users can learn financial discipline. Over a period of several months, the 50/30/20 rule will transform into sustainable spending habits. This is exactly what one needs to achieve financial security and financial freedom.

As is evident from above points, the 50/30/20 budgeting rule can be quite beneficial. Provided that you follow it in a methodical manner and make it a part of your life. Depending on your varying and evolving needs, you can also make slight adjustments.

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YouTube can be profitable and you can further improve your earnings by utilizing available tax benefits and exemptions

With cheap internet, people in India are consuming content in a big way. Among the beneficiaries are streaming platforms like YouTube. Things have never been so good for Indian YouTubers, as they can easily access millions of viewers. For Indian YouTubers, let us take a look at how they can enhance their income via tax saving measures.

Declare nature of income – Indian YouTubers can declare their earnings as business income or income from other sources. Choosing business income will be better since more deductions are available for this income source. It will be taxed under ‘Profits and Gains from Business or Profession’.

Earnings to be taxed – YouTubers in India can make money from sources such as Google AdSense, brand deals, sponsorships and affiliate income. Applicable GST is 18%, in case the turnover is more than Rs 20 lakh. Some states have set a limit of Rs 10 lakh. Earning coming from US viewers will be subjected to 15% withholding tax, whereas worldwide earnings will be taxed at 24%.

Claim expenses – YouTubers in India can show various expenses to reduce tax burden. It includes direct expenses such as internet and electricity and general expenses such as travel cost and payment to editors and collaborators. YouTubers can also claim depreciation on their assets and applicable rent for the portion of their home used for YouTube content creation.

Presumptive taxation (Section 44AD/44ADA) – Business income comes under Section 44AD, whereas Professional income falls under Section 44ADA. These sections free you from the need to maintain account books and expenses registers. Under Section 44AD, you can declare 6% of your turnover as taxable income. For cash receipts, the declaration should be 8%. Section 44AD applies in case of gross receipts of up to Rs 3 crore. Section 44ADA, 50% of gross receipts can be declared as taxable income.

Tax saving options – YouTubers can utilize various tax saving options such as Section 80C, 80D, 80G and 80TTA. With these options, YouTubers can reduce their taxable income by up to Rs 1.5 lakh per annum.

Claim GST Input Line Credit (ITC) – GST is mandatory for turnover of more than Rs 20 lakh. You can claim ITC on the GST amount linked to your business purchases.

Leverage Double Taxation Avoidance Agreement (DTAA) – If you have already paid tax on income earned from US viewers, you can claim foreign tax credit (FTC) while filing your income tax return. This eliminates the issue of double taxation.

Avoid cash payments – A tax audit will not be mandatory if turnover is less than Rs 1 crore. However, this limit can be increased to Rs 10 crore if you reduce the cash component to less than 5%. You can thus avoid expenses related to tax audits.

As is evident from above, YouTubers in India have various options to save tax. All of these are completely legal and covered under Income Tax rules.

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While parents are a great asset for the family, they can also benefit you financially by helping you save tax

When it comes to taxes, everyone is always looking for opportunities to pay the least possible amount. Income Tax rules provide a number of legal options to save tax. However, not all such options are widely known. In that context, let us take a look at how your parents can help you save tax.

Direct tax saving options

You can access the various deductions and exemptions available for senior citizen parents under the Income Tax rules. For example, you can claim deduction of Rs 50,000 for health insurance premiums paid for your senior citizen parents (Section 80D). Similarly, medical expenses of up to Rs 50,000 can also be claimed if health insurance is not available. For any specific diseases such as kidney failure, cancer, etc., you can claim deduction of up to Rs 1 lakh under Section 80DDB.

If you are taking a home loan, you can take it jointly under the name of your parents. You can then claim Rs 1.5 lakh tax benefit under Section 80C for principal repayment and Rs 2 lakh under Section 24(b) for interest paid on a self-occupied home loan. Another option you can use is Section 56(2), wherein any money or property you receive from your parents is exempt from taxation.

Indirect tax saving options

Investing in parent’s name – If your parents have zero income or fall into a lower tax bracket than your own, you can transfer some investments in their name. This will reduce the overall tax burden. For example, you can give money to your parents, who can then invest it in their names.

Renting property to parents – If you have multiple homes, you can show one of them as rented to your parents. In this case, your parents will pay rent to you. This rent can be claimed as HRA exemption in the case of salaried individuals.

Higher interest rates on FDs – There are various investment options that provide a higher interest for senior citizens. For example, your parents can earn 8.2% interest per annum via the Senior Citizen Savings Scheme (SCSS). Similarly, your parents can also opt for the Pradhan Mantri Vaya Vandana Yojana (PMVVY) that has higher earning potential than standard fixed deposits.

Capital gains transfer to parents – You can gift your assets like your stocks, property, mutual funds, etc. to your parents. When they sell it, the capital gains tax will be less if your parents fall into a lower tax slab.

Tax-free interest on savings account – Under Section 80TTB, senior citizens are eligible for Rs 50,000 tax-free interest. This applies to various investments such as bank savings accounts, FDs and post office deposits. You can give money to your parents and ask them to invest in such options.

Pay salary to your parents – This will be applicable if you own a business. You can hire your parents in roles such as customer support, accounts or admin. The salary you pay to your parents can be shown as a business expense. This will reduce the taxable income.

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With favorable policies announced in the Union Budget, fintech stocks are expected to deliver strong results in 2025

The Union Budget 2025 is set to benefit various segments such as agriculture, consumer goods, financial markets, cement, capital goods, EV market and telecom. This has come via changes in tax structure, sectoral allocations and improvements in the fiscal policy. For the benefit of investors, let us take a look at which fintech stocks are likely to gain in 2025.

Bajaj Finance Ltd. – Stock price of Bajaj Finance Ltd. is currently trading at around Rs 8,500. The 52-week high value was at Rs 8662.80. Powered by strong financial performance and focus on expansion, Bajaj Finance Ltd. stocks are expected to rise further in the coming months. While stock price projections for Bajaj Finance Ltd. may vary based on the analyst, it is expected to be in the range of Rs 8,600 to Rs 9,000 in 2025. Investors can expect modest gains, all while ensuring that their investments are safe.

HDFC Asset Management Company Ltd. – Stock price of HDFC Asset Management Company Ltd. is currently trading at around Rs 3,900. While the current valuation is lower than the 52-week high of Rs 4,800, the stock price is expected to increase in 2025. It can be possible with factors such as rising preference for mutual funds, increasing investor awareness and strong brand value associated with HDFC. However, there could be risks from factors such as competition from other AMCs, market volatility and possible change in regulations. Target estimates for HDFC Asset Management Company Ltd. in 2025 is in the range of Rs 4,700 to Rs 5,500.

One 97 Communications Ltd. (Paytm) – Currently trading at around Rs 800, the valuation is below the 52-week high of Rs 1,062.95. Positive factors that can work in favor for One 97 Communications Ltd. stocks include growth in lending and increased use of financial services. On the other hand, there could be negative factors at play such as increasing competition and stricter regulatory compliance norms. Price estimate for 2025 is predicted at around Rs 900.

IIFL Finance Ltd. – Current stock price is trading at around Rs 360, which is much lower than the 52-week high of 608.02. In the coming months, IIFL Finance Ltd. stocks can benefit from improving asset quality, strengthening digital presence and expansion of lending business. Negative factors at play could include changes in regulatory policy and potential slowdown of the economy. If things work out favorably, IIFL Finance Ltd. stocks could reach around Rs 500 this year.

Computer Age Management Services Ltd. – Stock prices of Computer Age Management Services Ltd. are currently trading at Rs 3,670. This is much lower than the 52-week high of Rs 5,367.50. Stock prices can gain this year with positive factors such as increased investment in mutual funds, dominant market position and improved product offerings. In an upside situation, stock prices of Computer Age Management Services Ltd. could touch Rs 4,000 or more this year. However, economic conditions need to be favorable to make it work.

DISCLAIMER – This article is for informational purposes only and does not constitute financial advice. Always conduct your own research or consult a professional before making any investment decisions. Investments are subject to market risks.

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With the new tax slabs announced, salaried individuals with Rs 15 lakh per annum income can save up to Rs 32,500

The 2025 Union Budget has brought cheer for the middle class, as the tax slabs for salaried individuals have been revised. Let us compare the old tax slab vs. the new tax slab to understand how much tax will be applicable on a salary of Rs 15 lakh per annum.

Annual Salary Rs 15 lakh – Old Tax slab

Tax Payable Details

Annual Salary Rs 15 lakh – New Tax slab

Tax Payable Details

As is evident from above, the total tax liability on Rs 15 LPA as per old tax slab is Rs 1,30,000. But in the New Tax slab, the tax liability for Rs 15 LPA is Rs 97,500. That means savings of Rs 32,500 per year.

Important things to note about New Tax regime 2025

Zero tax till income of Rs 12.75 lakh / Full tax rebate under Section 87A – Under the new tax regime, the tax rebate available under Section 87A has been increased from Rs 25,000 to Rs 60,000. This effectively makes the total tax NIL on income of up to Rs 12.75 lakh.

Capital gains to be taxed separately – The Zero tax scheme will apply only to income earned exclusively via salary. If there are capital gains, that component will be taxed separately.

Option to choose between old and new tax regime – With significant benefits available in the tax slabs, it is expected that most taxpayers will shift to the new tax regime. In the last financial year 2023-24, around 72% taxpayers had opted for the new tax regime. With the revised tax slabs, moreÌı than 90% taxpayers are expected to shift to the new tax regime.

Nex tax regime applicable on FY 2025-26 – The new tax regime will come into force from the new financial year 2025-26. It is subject to approval from the parliament.

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• Manoj Gaur, CMD, Gaurs Group & Chairman, CREDAI National
  “Budget 2025 underlines the Central governmentº£½ÇÖ±²¥ commitment to economic expansion, infrastructure advancement, and financial stability, thereby fostering a conducive environment for real estate growth. Measures supporting start-ups and job creation, coupled with much needed reductions in income tax slabs, are set to enhance liquidity and stimulate demand in the sector. While the focus on overall growth is encouraging, we look forward to further initiatives that will accelerate affordable housing development, ensuring inclusive progress for the country.”
• Amit Modi, Director, County Group
  For real estate buyers, the proposal to value two self-occupied properties at nil for tax purposes brings much-needed relief—particularly for middle-class professionals in metro cities who also possess a self-occupied second home in their villages or hometowns. Similarly, raising the TDS threshold on rental income from Rs 2.5 lakh to Rs 6 lakh will benefit those dependent on rental earnings. Furthermore, the revision in tax slabs—exempting income tax up to Rs 12 lakh—places more disposable income in the hands of the middle-class planning for future real estate investments.
• Rajjath Goel, Managing Director, MRG Group
  The allocation for infrastructure development, urban transformation, and SWAMIH Fund 2 along with tax reforms that will improve liquidity lays the foundation of countryº£½ÇÖ±²¥ continued economic progress. Steps such as nil tax for two self-occupied properties and rental income upto Rs. 6 lakh will enhance the lucrativeness of real estate investments. We are hopeful that these measures will lead to sustained real estate expansion, benefiting homebuyers and investors alike.
• Gurpal Singh Chawla, Managing Director, TREVOC
  The budget effectively balances development priorities with financial stability. The emphasis on infrastructure growth, including the Rs 1 lakh crore Urban Challenge Fund, lays a strong foundation for long-term progress. Additionally, key tax revisions enhance market liquidity ultimately creating an optimistic roadmap for the real estate sector.
• Yash Miglani, MD, Migsun Group
  Prioritizing private sector investments and uplifting household sentiments is set to strengthen homeownership and commercial expansion, fostering sustained momentum in the real estate sector. Measures aimed at empowering the middle class, including tax relief for individuals with annual incomes of up to ₹12 lakh, will provide significant relief and boost disposable income. These initiatives will reinforce a strong foundation for a resilient, future-ready economy and drive investment in the real estate sector, bolstering confidence and contributing to its growth.
• Pawan Sharma, MD, Trisol RED
  The revised tax slabs and increased rebate limits under the new tax regime will significantly boost disposable income, leading to higher savings and greater investment in real estate. With no income tax payable up to ₹12 lakh and reduced tax slabs, we anticipate a stronger inclination towards homeownership, particularly in the mid-income segment. Additionally, the extension of tax benefits for investments in infrastructure and real estate will further strengthen capital inflows into the sector.”
• Ravindra Gandhi, Founder and Managing Director of Tirasya Estates,
  “The revised tax slabs, which offer increased rebates and lower tax rates, will enhance disposable income, encouraging greater investment in the overall real estate sector, particularly in second homes and vacation properties. The extension of tax benefits for investments in infrastructure and real estate further strengthens Goaº£½ÇÖ±²¥ position as a lucrative destination for both domestic and international investors.
• Uddhav Poddar, CMD, Bhumika Group
  The government’s emphasis on infrastructure development and economic prudence sets the stage for sustained real estate growth. A key highlight is the focus on enhancing the role of Public-Private Partnerships (PPP) in India’s infrastructure development, which will boost the country’s commercial projects while ensuring long-term progress. Moreover, the tax slab revision exempting income tax up to Rs 12 lakh will leave the middle class with more money to consider investing in real estate.
• Saurab Saharan, Group Managing Director, HCBS Developments
  The Union Budget 2025-26 introduces key measures that will strengthen the real estate sector. Raising the TDS threshold on rental income to ₹6 lakh simplifies tax compliance, benefiting the housing market. Additionally, the decision to value two self-occupied properties at Nil for tax purposes offers homeowners greater financial flexibility, encouraging property investments. The exemption of income tax up to ₹12 lakh further makes homeownership more attainable, driving demand in the sector. Furthermore, the ₹1.5 lakh crore allocation for 50-year interest-free loans to states is a crucial step that will drive urban infrastructure, connectivity, and real estate growth, creating new opportunities for residential developments
• Ashwani Kumar, Pyramid Infratech
  The Union Budget’25 announcements reflect the constructive growth plan chalked out by the government. The emphasis given to the PPP model for infrastructural development and proposing an outlay of 1.5 lakh crore for the 50-year interest-free loans to states for capital expenditure will create various opportunities for private players to contribute to the economic development significantly. Besides, we applaud the government’s decision to revise the tax slab and make the annual income of Rs 12 lakh tax-free. This is a great relief for salaried middle-class income as they will have increased purchasing power and will be able to own their dream home.
• Salil Kumar, Director (Marketing & Business Management) of CRC Group
  The Union Budget 2025-26 is a pivotal step in accelerating the growth of Indiaº£½ÇÖ±²¥ real estate sector. By increasing the TDS threshold on rental income and exempting income tax on earnings up to ₹12 lakh, it creates an environment that encourages homeownership, especially among the middle class. The allocation of ₹1.5 lakh crore for interest-free loans to states will support urban development and infrastructure, further boosting demand for both residential and commercial properties. This budget brings a renewed sense of optimism, laying a strong foundation for sustained growth in the real estate market.
• Harinder Singh Hora, Founder Chairman, Reach Group
  “This budget demonstrates the government’s proactive approach towards economic decentralization, with a special focus on promoting the development of GCCs in emerging Tier-II cities. This forward-thinking initiative not only nurtures regional growth but also opens doors for talent acquisition, industry partnerships, and innovation. The creation of a dedicated fund for urban development will reshape our cities, providing the infrastructure and workforce required to attract national and international companies. With these reforms, we foresee a significant boost in inclusive economic growth, making these cities key players on the global stage.”
• Harsh Gupta, CEO, Sundream Group
  The Union Budget’s focus on urban development and infrastructure is a major milestone for the commercial real estate sector. The boost in investments towards smarter cities, improved connectivity, and strategic infrastructure upgrades sets a strong foundation for the growth of commercial spaces. Annual incomes of up to ₹12 lakh will provide significant relief and boost disposable income, while the urban development fund promises to transform India’s cities into thriving hubs of sustainability and modernity.â€�
• Sanjay Sharma Director, SKA Group
  In the Union Budget 2025, the government has made commendable efforts for the countryº£½ÇÖ±²¥ economic growth, with a focus on tax rationalization and infrastructure expansion. The revised tax slabs and offering zero tax up to Rs. 12 lakh will boost disposable incomes and drive demand for housing, especially among first-time homebuyers. Further, an increase in the TDS threshold limit on rent from ₹2.4 lakh to ₹6 lakh is a significant boost for the rental housing market. In addition, the ₹1 lakh crore Urban Challenge Fund will play a pivotal role in transforming cities into vibrant growth hubs, ensuring balanced real estate development. These policies will propel the countryº£½ÇÖ±²¥ development and drive real estate growth at the same time.
• Prakash Mehta, Chairman and Managing Director, Ocus Group
  The 2025 budget reflects a continued focus on strengthening urban infrastructure, which is crucial for overall real estate growth. By reducing the tax burden, the government is directly boosting consumer confidence, encouraging greater spending, and ultimately stimulating demand in the commercial sector. In addition, the announcement of a national framework for GCCs will decentralize business operations, enhance local talent pools, and drive infrastructure development.�
• Ajendra Singh, Vice-President, Sales and Marketing, at Spectrum@Metro
  The Union Budget 2025 outlines a transformative vision for Indiaº£½ÇÖ±²¥ commercial real estate sector, with a clear focus on strengthening urban infrastructure. The government’s investments in smarter cities, better connectivity, and sustainability will directly benefit commercial spaces. The reduction in income tax and the establishment of a national framework for Global Capability Centers are poised to drive demand for premium commercial spaces, attracting global businesses and fueling growth in cities across India.
• Ambika Saxena, CEO, TWH Hospitality
  This year, the government has presented a well-balanced and growth-oriented budget, specifically supporting the tourism and hospitality sectors. The modified Udaan scheme will open doors for the hospitality sector by bringing new tourist destinations into the spotlight. Hotels, resorts, and homestays in unexplored regions will see a surge in demand, encouraging further investment and development. With the governmentº£½ÇÖ±²¥ push for connectivity and including new 120 destinations, we expect a stronger pipeline in the hospitality sector, catering to both business and leisure travellers in emerging tourism hotspots
• Neeraj Sharma, MD, Escon Infra Realtors
  “The Union Budget 2025-26 presents a transformative opportunity for the real estate sector with its focus on tax rationalization, infrastructure expansion, and housing sector reforms. The revised tax slabs, offering zero tax up to ₹12 lakh, will boost disposable incomes and drive demand for housing, particularly in the mid-income and affordable segments. Additionally, the ₹1.5 lakh crore interest-free loans to states and the ₹10 lakh crore Asset Monetization Plan will accelerate urban development, unlocking new growth corridors for real estate investment and expansion.”
• Vishal Sabharwal, Head Sales, Orris Group,
  “The Union Budget 2025–26 sets a progressive tone for the real estate sector, ensuring that housing remains a key driver of economic growth. The government’s substantial allocation of ₹ 1.5 lakh crore towards infrastructure development will accelerate urban expansion and create new investment hubs. The increase in the no-income-tax limit to ₹12 lakh and revised tax slabs will boost disposable income, enhancing homebuyers’ purchasing power. Additionally, the launch of the Urban Growth Initiative will further support planned city expansions and smart infrastructure, making real estate investment more attractive and sustainable.”

• Sumeet Group Enterprises

  “We are encouraged by the Union Budget’s strong focus on healthcare, particularly the initiative to establish day-care cancer centres in all district hospitals. We also applaud the commitment to medical tourism, which can position India as a global healthcare destination. The budget’s emphasis on strengthening manufacturing, especially support for MSMEs through increased investment and turnover limits, is vital. The focus on skilling, particularly in AI, is crucial for empowering youth and driving the ‘Make in India, Make for the World’ vision. Continued focus on innovation and infrastructure development through public-private partnerships is essential for a sustainable future. This budget lays a solid foundation for a ‘Viksit Bharat’ with zero poverty, quality education, and comprehensive healthcare. The government’s decade-long commitment to ‘Ease of Doing Business’ and a modern, flexible regulatory framework are also crucial for continued progress.â€� –ÌıSummit Salunke, Vice Chairman, at Sumeet Group Enterprises

  Mr. Tushar Choudhary, Founder & CEO,ÌıMotovolt Mobility
  Ìı
  “The recent budget has delivered a promising outlook for Indiaº£½ÇÖ±²¥ electric vehicle (EV) industry, especially with the reduction in Basic Customs Duty (BCD) on capital goods related to EV manufacturing. This move will help lower production costs, making EVs more affordable for consumers and encouraging higher sales.ÌıAligned with the NationalÌıManufacturing Mission, the budgetº£½ÇÖ±²¥ focus on rationalizing customs tariffs signals the government’s intent to localize high-value production and reduce dependency on imports. Additionally, the exemption on critical minerals like lithium is a significant step toward easing the supply of vital components for EV batteries, further lowering costs and boosting domestic manufacturing.ÌıThe commitment to enhancing EV infrastructure, particularly in charging stations and battery swapping networks, is another much-needed development. This will improve the user experience and drive the adoption of EVs across the country.ÌıEfforts to localize EV components like batteries, motors and controllers will help reduce upfront costs which would further strengthen Indiaº£½ÇÖ±²¥ EV ecosystem giving the EV sector the ability to penetrate the Indian markets.”

• MR. Sajja Praveen Chowdary , Director , Policybazaar For Business

  The Union Budget 2025 put forward a strong growth agenda for the start-up and MSME ecosystem. The newly-proposed National Manufacturing Mission sets the stage for a more competitive and self-reliant industrial base. Access to credit has been significantly expanded, providing a major boost to MSMEs and startups. Micro and small enterprises now have double the credit guarantee cover, which ensures stronger financial backing for innovation. Startups in key sectors benefit from higher limits and reduced guarantee fees, while well-run exporter MSMEs can access larger term loans. These measures will enhance liquidity, encourage investment and also strengthen Indiaº£½ÇÖ±²¥ Make In India initiative. The decision to allow 100% FDI in insurance is another landmark reform, which will bring global investments, better capital influx and promote healthier competition. These measures cement Indiaº£½ÇÖ±²¥ thriving entrepreneurial spirit and make way for a more resilient economy.

• Shivendra Nigam, CFO, Cantabil Retail Expert said:
  Ìı
  “The Union Budget 2025-26 presents a strong push for consumption growth through significant tax reforms. The increase in tax exemption limit to Rs 12 lakh under the new regime, coupled with rationalized TDS rates and thresholds, will put more disposable income in consumers’ hands.
  We anticipate that these measures will stimulate consumer spending and boost retail sector growth. The focus on tourism development across 50 destinations and increased employment opportunities through various initiatives will further create positive momentum for retail consumption. These reforms align perfectly with our expansion plans,”Ìı
• Commenting on the Union Budget 2025-26, Mr. Mathew Muthoottu, Managing Director, Muthoottu Mini Financiers Ltd., said, “The Union Budget 25-26 fosters inclusive growth by prioritizing rural development, MSMEs, and financial inclusion. Initiatives like the ‘Grameen Credit Score’ and ‘Rural Prosperity and Resilience’ program will enhance credit access, skilling, and employment. Muthoottu Mini supports these reforms, which empower entrepreneurs, boost consumption, and drive Indiaº£½ÇÖ±²¥ economic momentum.”
• Bruce Keith, Co founder CEO, InvestorAi says,

“While the Budget started with a big bang quite literally, the Honourable Finance Minister has announced a string of boosters for the Indian startup sector. The extensions to the loan programs make sense in the context of micro enterprises. However, the crucial fund of funds of Rs 10,000 crore will play a key role in boosting domestic capital in the startup sector. The announcement on deep tech fund, while details are awaited, it should be viewed through the DeepSeek lens of what can be done with relatively small amounts of capital when provided to agile and creative teams. We expect the VC ecosystem to bring velocity and momentum into funding these enterprises.

I was especially delighted to hear about the enhancing the “spirit of curiosity and innovation “ with IIT expansions of capacity and centres of excellence for AI education – talent availability is a necessary part of continuing our growth”.

• Sridhar Parthasarathy, Co-Founder & General Partner at Bluehill.VC Says, The governmentº£½ÇÖ±²¥ announcement of a another Fund of Funds (FoF) worth ₹10,000 crore in the budget is strong commitment to cultivate an entrepreneurial ecosystem and an acknowledgement of Alternative Investment Funds (AIFs) in channeling these resources effectively.

While equity funding through AIFs is essential, there is an urgent need for debt financing for startups. The introduction of a credit guarantee will help startups achieve a balanced mix of equity and debt funding, making their growth more sustainable.

Additionally, the plan for a new Deep Tech Fund of Funds is a crucial step towards advancing deep tech innovation in India. This signals a clear intent from the govt to position India strongly in the global AI race, which is much needed boost for deep tech startups specially in AI and space tech”.

• Ankur Mittal, CO-Founder, Inflection Point Ventures says, “Our ask was a better credit platform and framework for startups and to that extent this is a welcome step. This will allow them to grow and build sustainable businesses and not be dependent on just equity infusion to grow. Their capacity to attract follow-on growth capital will be further strengthened by the additional cash, which will also help them make important investments in operations, personnel, and technology. This action boosts job creation, accelerates startup growth, and creates long-term value in the ecosystem by resolving financial limitations”.
• Mr. Amarjeet Singh Tak, Head of Research Microscopy Solutions, India and Neighboring Markets, ZEISS Group

“We commend the Union Budget 2025-26 for its strong focus on advancing education, research, and skill development. The establishment of National Centres of Excellence, expansion of medical college seats, and infrastructure upgrades at IITs are commendable steps that will significantly enhance academic and research capabilities. The emphasis on Artificial Intelligence through dedicated Centres of Excellence and global skilling partnerships will empower the youth with future-ready skills, positioning India as a global leader in innovation. These initiatives will not only drive scientific and technological advancements but also create a robust ecosystem for young talent to thrive. This forward-thinking approach will undoubtedly accelerate Indiaº£½ÇÖ±²¥ journey towards becoming a knowledge powerhouse on the global stage

• Dr. Krishna Prasad Chigurupati Chairman & Managing Director, Granules India Limitedâ€�

Exempting 36 life-saving pharmaceuticals from basic customs duty and adding six essential medicines under a concessional 5% duty will significantly enhance access to critical therapies. Extending full exemption and concessional tariffs to bulk drugs used in their manufacturing will further improve affordability and availability. The expansion of medical education with 10,000 additional seats and the establishment of 200 daycare cancer centers in FY 2025-26 will strengthen healthcare infrastructure, enabling early diagnosis and treatment. Additionally, the establishment of five National Centers of Excellence for Skilling, along with global skilling collaborations, will equip Indiaº£½ÇÖ±²¥ workforce with the expertise needed to drive pharmaceutical innovation and manufacturing. These strategic initiatives reinforce India’s commitment to providing accessible and cost-effective healthcare solutions said Dr. Krishna Prasad Chigurupati Chairman & Managing Director, Granules India Limitedâ€�

• ÌıMr. Yatharth Tyagi, Director, Yatharth Group of Hospitals

The Union Budget 2025-26 is a well-thought and strategic move, laying a transformative foundation for an inclusive and resilient healthcare ecosystem. The establishment of 200 daycare cancer centers with a three-year district hospital rollout plan is a welcome intervention. This initiative, along with customs duty exemption on 36 life-saving drugs and 13 new patient assistance programs, will improve access to specialized treatment and reduce the financial burden of cancer care. The commitment to add 10,000 medical seats, aiming for 75,000 in five years, and the establishment of five National Centers of Excellence for skilling are strategic steps to address critical workforce gaps in healthcare delivery. At Yatharth Hospitals, our recent expansion, particularly in advanced cancer care infrastructure, positions us well to leverage these progressive reforms. These policy measures align perfectly with our mission to make quality healthcare accessible to every Indian, supporting the government’s vision of ‘Viksit Bharat.'”

• ÌıArjun Juneja, Chief Operating Officer, Mankind Pharma Limited and Chairman, Pharma Committee, FICCI

“The Union Budget 2025-26 lays a solid foundation for Indiaº£½ÇÖ±²¥ pharmaceutical sector and enhances healthcare accessibility. The exemption of Basic Customs Duty on 36 life-saving drugs makes critical treatments, especially for oncology and rare diseases, more affordable, aligning with the governmentº£½ÇÖ±²¥ vision of a self-reliant India. The establishment of Day Care Cancer Centres and expansion of Patient Assistance Programs (PAPs) will further improve patient access to essential treatments. The budgetº£½ÇÖ±²¥ focus on 5% concessional duties on essential medicines and bulk drug exemptions will optimize production costs, boost domestic manufacturing, and drive innovation. The commitment to adding 75,000 medical college seats and the creation of a Centre of Excellence in AI further strengthens the healthcare ecosystem. The ‘Heal in India’ initiative, combined with streamlined medical tourism policies, positions India as a global healthcare hub, driving demand for high-quality, affordable medicines. These reforms are a significant step toward making India a global leader in pharmaceuticals, and we at Mankind Pharma are excited to support and contribute to this transformation.”

• ÌıMr Saumyajit Roy, CEO and Co-Founder, Emoha

“The 2025 Budget’s commitment to expand medical education with 10,000 additional seats and the goal of adding 75,000 seats in the next 5 years is a critical step toward addressing India’s healthcare workforce needs. With our rapidly aging population, this expansion isn’t just about numbers – it’s about building a healthcare ecosystem that understands and responds to the unique needs of our seniors.

The announcement of a ₹10,000 crore Fund of Funds scheme for startups is particularly significant for healthtech innovation. This fresh capital injection will catalyze the development of specialized solutions for elderly care, especially as we see increasing intersection between healthcare delivery and technology. For those of us building in the senior care space, this represents both validation and opportunity to scale our impact.

I’m particularly encouraged by the initiative to establish Day Care Cancer Centers in all District Hospitals, which will significantly improve accessibility to specialized care for our elderly population. As someone deeply involved in senior care innovation, I see this as a game-changing move that aligns perfectly with the evolving healthcare needs of our aging demographic.

However, while expanding medical education and infrastructure is crucial, the quality of care ultimately depends on the quality of carers. More needs to be done to promote and support organizations that supply trained carers, ensuring that our seniors receive the compassionate, skilled assistance they deserve.�

• Mr. Rajeev Taneja, Global Care , CEO (Medical Consultancy)

India’s medical tourism industry is rapidly expanding, driven by government initiatives focusing on affordable healthcare and medical value travel (MVT). The establishment of advanced facilities, including 200 cancer centers, and the exemption of 36 life-saving drugs from customs duties aim to enhance accessibility and affordability for international patients, positioning India as a leading destination for medical care.

• Balasubramanian A, Senior VP and Business Head at TeamLease says, “The Finance Ministerº£½ÇÖ±²¥ announcements will give a strong push to Indiaº£½ÇÖ±²¥ tourism, healthcare, and aviation sectors, creating jobs and driving economic growth. Easier visa norms under ‘Heal in India’ will attract more medical tourists, boosting hospitals, hospitality, and foreign exchange earnings. Opening up PM GatiShakti data to private players and developing 22 key destinations in partnership with states will strengthen tourism infrastructure and local economies. The expansion of UDAN to 120 new destinations and new greenfield airports in Bihar will improve regional connectivity, making air travel more accessible to the middle class while supporting trade and investment. These steps position India as a key global destination for tourism, healthcare, and aviation-driven growth.”

• ÌıBy Meena Kapoor Co- founder and CEO of AstroyogiÌı
  “The governmentº£½ÇÖ±²¥ Rs 2-crore term loan scheme for first-time women entrepreneurs is a game-changer, empowering more women to turn their aspirations into thriving businesses. Access to capital has long been a barrier, and this initiative will provide the much-needed financial push to foster innovation, self-reliance, and economic inclusion. As a woman entrepreneur, I see this as a strong step towards building a more diverse and resilient business ecosystem in India

• ~ Mr. Ravi Mittal, Founder and CEO of QuackQuack

• Mr. Roshan Aslam, Co-founder & CEO of GoSats

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