Union Budget 2025: ১২ লক্ষ টাকা পর্যন্ত আয়কর ছাড়, তবে স্ল্যাব নিয়ে কী বিশ্লেষণ করলেন কর বিশেষজ্ঞ রাজর্ষি দাসগুপ্ত?
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00:00Mr. Gandhi, the issue of 12 lakhs is so well-known, but there is a lot of confusion about it.
00:08It is said that 4 to 8 lakhs is 0.5%. How do you explain this?
00:13First of all, the issue of 12 lakhs is very simple.
00:19But it is not that easy.
00:21If a person's income is below 12 lakhs,
00:25then there is no need to pay tax.
00:29There is a rebate.
00:30There is a rebate for calculating your income tax.
00:33For a salaried individual, there is a deduction of Rs. 17 lakhs.
00:40But on top of that, there will be a slab rate.
00:44But the problem is that if the fine print comes,
00:47it will be seen whether it is a new rate or an old rate.
00:49For whom is the exemption?
00:51What additional things do you have to do if you go for the exemption?
00:55So, all these fine prints have come.
00:58This has to be analyzed.
01:00But definitely, when this has been said in the press,
01:04it means that there is definitely some calculation.
01:07On the basis of which, there will be no tax on the income of 12 lakhs.
01:13Those who say 4 to 8 lakhs is 0.5%, what is this?
01:18This is the income of 13 lakhs.
01:20Simple.
01:2113 lakhs is the income.
01:23Then there will be a slab rate.
01:2513 minus 12 is 1 lakh.
01:27Then 0 to 4 is 0.
01:334 to 8 is 5%.
01:358 to 12 is 10%.
01:39Then there will be a slab rate.
01:41The government is saying that the house was built for democracy.
01:45Do you think that the house was built for democracy?
01:49Definitely.
01:50Because, first of all, if I say that 6 people died,
01:586 people died because of the income tax slab rate.
02:02For senior citizens, the TDS rate was increased from 50,000 to 1 lakh.
02:07The rent was increased from 2.4 lakhs to 6 lakhs.
02:11Apart from this, the TDS and TCS are very important.
02:18The sale of goods.
02:20The sale of goods means when you buy a car,
02:23the TCS, these are extra levies.
02:26These are decreasing.
02:28So, what is happening in that?
02:30Non-PAN base, definitely.
02:32These are decreasing.
02:33So, definitely, the budget is for democracy.
02:36If I say directly, how much can the budget be used for democracy?
02:41What did you get out of it?
02:43There is a lot of tax.
02:45What can you get out of it for democracy?
02:48If you have an income of 12 lakhs,
02:54in the previous regime, you had a minimum of 20,000 rupees in your pocket.
02:59So, my basic savings, my consumption has increased.
03:04Now, in some places, if MSMEs increase,
03:12my employment will increase.
03:15I will have to generate more employment.
03:17So, definitely, if you say it like that,
03:20you cannot say what happened now and what happened tomorrow.
03:24Definitely, the savings that have been given today,
03:27they will come into the pocket of people.
03:30They will come into the pocket of people.
03:32So, these can be called spendable money.
03:34Another thing I want to know is,
03:36AI is being forced.
03:38We knew that AI will be forced.
03:40If AI is being forced,
03:42can there be some kind of economic system?
03:45See, today, it is a very simple thing.
03:48If the earth goes in the opposite direction,
03:52I will have to go in the opposite direction.
03:55It is not like that,
03:57when I came to the computer today,
04:00if I sit with a typewriter,
04:02then it will not work.
04:04So, I am also like that.
04:05Additionally, but one thing you should know all the time,
04:08the machine will never be able to replace a person.
04:11So, if I am equally forced,
04:16if I force myself,
04:19if I improve myself,
04:22AI will give me a platform to make my work easier.
04:29To make my work easier.
04:31But AI will never do my work.
04:34So, AI will help us
04:38to do the work in less time than before.
04:43So that I can do better work.
04:47But that doesn't mean that AI will replace me.
04:50And last question,
04:51if we look at Urbanchal,
04:53does it mean that Bangla will replace it?
04:55Everyone is asking me this.
04:58If something happens specifically in Bangla,
05:01it may not be specific.
05:03But if you see,
05:05in MSME, Bangla is number one.
05:07The number of MSMEs,
05:08the number of MSMEs in Bangla,
05:10how many benefits will there be?
05:12If you think about one thing,
05:16the Urea plant in Assam,
05:19or the BRF port in Assam,
05:23what about the freight corridor?
05:25It is only through West Bengal.
05:27So, for an equivalent plant here,
05:33I need proper import.
05:36If the import happens,
05:37my port is the nearest port to West Bengal.
05:40So, my freight corridor has to be more.
05:45So, Bangla will benefit from it.
05:47The 50-year interest-free loan,
05:51Bangla will benefit from it.
05:53Tourism will benefit from it.
05:55What I am trying to say is,
05:56maybe what you are saying is right.
05:58There is no specific Bangla name.
06:01But the overall thing,
06:03Bangla will benefit from it.