Finance Minister Nirmala Sitharaman ने Income Tax में बड़ी राहत की घोषणा की है. साल 2025-26 के Union Budget को पेश करते हुए वित्त मंत्री ने New Income Tax Slab की घोषणा भी की है. इस घोषणा के मुताबिक़ New Tax Regime में सालाना 12 लाख तक की आमदनी पर कोई इनकम टैक्स नहीं देना होगा. जानकारों के मुताबिक़ इस नए टैक्स से मध्यम वर्ग को सबसे ज़्यादा फ़ायदा होने जा रहा है. टैक्स को आसान भाषा में समझने के लिए GoodReturns की Editor Bhawna ने Tax Expert Sharad Kohli से खास बातचीत की. देखिए पूरी वीडियो-
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00:00Hi, this is Bhavna and you are watching GoodReturns.
00:03Today, the second full budget of Modi Karakal has been presented in Sansad, Modi 3.0.
00:10A lot of announcements have been made and the biggest relief has been given regarding income tax.
00:16Although, after the relief given in income tax, our taxpayers are a little confused as to how their salary will be taxed.
00:26So, to make the tax system easy for you, we have with us the tax expert, Mr. Sharad Kohli.
00:33Sir, thank you very much for talking to us once again.
00:37We had discussed the budget earlier as well.
00:41Sir, first of all, we would like to get your views on the budget.
00:47If we look at it from the perspective of the economy, how was today's budget?
00:52It is a very balanced budget, Bhavna.
00:56It touches every work of the society.
00:59And if you ask me to make a theme for this budget,
01:02if you ask me what the theme will be,
01:04then I will say, from the house to the middle class, from the middle class to the blessings of Mahalaxmi.
01:10The entire budget, every work of the society, whether it is youth, women, farmers, MSMEs,
01:19there is probably a work that does not touch it.
01:21But the biggest takeaway of the budget, as you said in the beginning,
01:25I feel that such a big relief of the income tax has not been seen in many budgets in the past.
01:31So, that is why the taxpayers are very excited about it.
01:34And I know a lot of taxpayers who are going out for dinner this evening,
01:39some are celebrating tomorrow, some have invited me as well.
01:42So, they are so happy because so much money is being saved in their pockets.
01:48And now they are thinking, what will we do with this money?
01:51Someone is saying, we will go on vacation.
01:53Someone is saying, we will buy a new TV at home.
01:55Someone is saying, we will buy a washing machine.
01:57Someone is saying, the microwave has become very old, we will buy a new one.
01:59Someone is saying, we will put the children's school in a better place.
02:04Someone is talking about cars.
02:07So, I think the budget, as we were saying in the beginning,
02:13when we did the budget,
02:15I was talking about consumption,
02:17that the government has to put money in people's pockets.
02:20We have seen that sentiment in this budget,
02:23especially in the middle class, especially the middle class taxpayers.
02:26It will come in the pockets of others as well, through other schemes.
02:29But at least through tax, this money is going to be saved in your pockets.
02:34There is no doubt about it.
02:35Absolutely.
02:36Sir, 12 lakh has been given to the tax-free income.
02:40But this will cause the government a loss of 1 lakh crore.
02:45So, is this considered a beneficial step by the government?
02:49Will it increase in GDP?
02:51Or will we see a decline?
02:53Absolutely, you are right.
02:55There is a revenue loss of 1 lakh crore.
02:57But see, when you go at the international level,
03:00whenever the tax is reduced, the tax collection increases.
03:04When the government reduced the tax, when the new regime came,
03:08the tax had increased.
03:10And the tax collection has increased by 20%.
03:13So, I feel that this 1 lakh crore that has been reduced,
03:16it will increase manifold.
03:17And secondly, why do we forget this sentiment,
03:19that when this 1 lakh crore will be saved for people,
03:22then they will either save it or spend it.
03:25Mostly, I hope that people will spend it.
03:27These days, especially the youth work less.
03:29Eat, drink, have fun.
03:31So, when they will spend it,
03:33then by spending it, consumption will increase.
03:35By increasing consumption, private investment will increase.
03:38More factories will be set up.
03:40And the second big thing,
03:42the government will get GST.
03:44When you spend, you will get GST.
03:46So, by going around,
03:48somehow or the other,
03:50it will come back to the government.
03:52And it will increase, I can assure you.
03:54Absolutely.
03:55Sir, but people are still getting a little confused.
03:58Because this decision has been taken,
04:00in which the income up to 12 lakh has been tax-free.
04:03The standard deduction of 75,000 is also benefitting.
04:06Meaning, if your income is 12,75,000,
04:09then you will not be taxed.
04:11You will not be taxed.
04:13Sir, please make it a little easier,
04:15and explain what the meaning of this decision is.
04:17Because today, a new tax slab,
04:19the way the new tax regime has been revised,
04:22it is also being said that
04:24if your income is 0 to 4 lakh, then it is nil.
04:26If it is 4 to 8, then it is 5%.
04:28And similarly, if it is 8 to 12, 12 to 15,
04:31our rates are being implemented.
04:35So, sir, how should this be explained?
04:37Please make it a little easier for our viewers.
04:42Yes, absolutely.
04:43First of all, see,
04:44what used to be 3 lakhs,
04:46now it is 4 lakhs instead of 3 lakhs.
04:48Few people have said that
04:49your basic exemption limit has increased.
04:51I am talking about the new regime.
04:53So, you are absolutely right.
04:540 to 4, 0 tax.
04:554 to 8 lakhs, 5%.
04:578 to 12, 10%.
04:5912 to 16, 15%.
05:0116 to 20, 20%.
05:0320 to 24, 25%.
05:06And now, 30% will be imposed
05:08on the slab above 24 lakhs.
05:11So, this is a big relief
05:13which used to be imposed above 15 lakhs.
05:15Now, the question arises that
05:16people are saying that
05:17you are saying that
05:1812 lakhs tax will not be imposed.
05:19And the salaried person
05:20will not be taxed up to 12,75,000
05:22by adding the standard deduction.
05:23So, what is this 0 to 4, 4 to 8, 4 to 12?
05:27So, the thing to note here is that
05:29this is section 87A
05:31under which you get rebate.
05:33And that rebate says that
05:35if your income is up to 12 lakhs
05:37or up to 12,75,000
05:39from your non-salary,
05:41then you have 0 tax.
05:44Because as soon as you cross 12 lakhs
05:46or 12,75,000,
05:48there is some minor relief too.
05:50But I will explain it directly.
05:51So, the slabs which I have told you,
05:550, 4, 8, 12,
05:58those slabs are imposed on you.
06:00So, I repeat that
06:02if your income is up to 12 lakhs
06:04or up to 12,75,000,
06:06then your tax will be 0.
06:08But if you go above that,
06:10then the method of tax calculation
06:12will remain the same.
06:130 to 4, 0.
06:144 to 8, 5%.
06:158 to 12, 10%.
06:17Then this calculation
06:18is done in this way.
06:20And you will get a big relief.
06:22You remember,
06:23I had talked about this on the show.
06:25Earlier,
06:2630% tax used to be imposed
06:27directly from 20 lakhs.
06:29I am talking about
06:30the new regime which is
06:31going on above 15 lakhs.
06:33And in this,
06:34a jump used to be imposed
06:35from 20 to 30.
06:36Now, a new slab of 25%
06:39has been brought up
06:40from 20 lakhs to 24 lakhs.
06:42This means that
06:43your slabs have increased.
06:44The range of slabs has increased.
06:46The upper limit of slabs has increased.
06:48And the highest tax imposed
06:50will now be above 24 lakhs.
06:52You will get a big relief.
06:55Now, people who take
06:56a salary of 12,75,000,
06:58a tax of 71,350 is imposed
07:00on them.
07:02Just think,
07:03from 71,350,
07:04suddenly I came to know
07:05that I have zero tax.
07:07Now, that is why
07:08I have started thinking
07:09about what to do
07:10with this 71,000.
07:11In this,
07:12you get a TV,
07:13a fridge,
07:14and a small holiday
07:15to roam around.
07:17So, this magic has happened.
07:19And one more good thing is
07:21that it is not that
07:22the taxpayers have benefited
07:23up to 12 lakhs.
07:25Even if your income
07:26is 40-50 lakhs,
07:28you will definitely
07:29get some benefit
07:30from it.
07:32Because the change
07:33in the slabs of tax
07:34which is the gap
07:35of 4-4 lakhs,
07:37you will definitely
07:38get some benefit
07:39from it.
07:40Absolutely.
07:41Sir, now you see
07:42that when we talked
07:43earlier,
07:44you said that
07:45it is necessary
07:46to redefine the middle class.
07:48Earlier,
07:49the income of 4-5 lakhs
07:50used to come
07:51in the middle class.
07:52But today,
07:53the way inflation
07:54is increasing,
07:55our lifestyle is also
07:56changing.
07:57In that,
07:58the income of 12-15 lakhs
07:59should be brought
08:00in the middle class.
08:01And today,
08:02the government
08:03has also taken
08:04special care of this.
08:05But sir,
08:06don't you feel
08:07a little dishonest
08:08that if your income
08:09is up to 12,75,000,
08:10I am using the word
08:11up to,
08:12up to your income,
08:13then you will not
08:14get taxed.
08:15From 80,
08:16this rebate
08:17will be applied
08:18on you.
08:19After that,
08:20if your income
08:21increases,
08:22if your income
08:23is 13 lakhs,
08:24which is more
08:25than 25,000,
08:26then you will
08:27have to pay
08:28tax according
08:29to the revised
08:30tax slab.
08:31Bhavna,
08:32there is also
08:33a page in this.
08:34The page is
08:35that a marginal
08:36relief has been
08:37given.
08:38When it was
08:397 lakhs,
08:40you will remember
08:41that for 7 lakhs,
08:4287A,
08:43not 80CA,
08:44it is 87A.
08:45When it was
08:467 lakhs,
08:47it was given
08:48to you.
08:49When it was
08:507 lakhs,
08:51it was given
08:52to you.
08:53When it was
08:547 lakhs,
08:55it was given
08:56to you.
08:57When it was
08:587 lakhs,
08:59it was given
09:00to you.
09:01When it was
09:027 lakhs,
09:03it was given
09:04to you.
09:05When it was
09:067 lakhs,
09:07it was given
09:08to you.
09:09When it was
09:107 lakhs,
09:11it was given
09:12to you.
09:13When it was
09:147 lakhs,
09:15it was given
09:16to you.
09:17When it was
09:187 lakhs,
09:19it was given
09:20to you.
09:21When it was
09:227 lakhs,
09:23it was given
09:24to you.
09:25When it was
09:267 lakhs,
09:27it was given
09:28to you.
09:29When it was
09:307 lakhs,
09:31it was given
09:32to you.
09:33When it was
09:347 lakhs,
09:35it was given
09:36to you.
09:37When it was
09:387 lakhs,
09:39it was given
09:40to you.
09:41When it was
09:427 lakhs,
09:43it was given
09:44to you.
09:45When it was
09:467 lakhs,
09:47it was
09:48given
09:49to you.
09:50When it
09:51was
09:527 lakhs,
09:53it was
09:54given
09:55to you.
09:56When it
09:57was
09:587 lakhs,
09:59it was
10:00given
10:01to you.
10:02When it
10:03was
10:047 lakhs,
10:05it was
10:06given
10:07to you.
10:08When it
10:09was
10:107 lakhs,
10:11it was
10:12given
10:13to you.
10:14When it
10:15was
10:167 lakhs,
10:17it
10:18was
10:19given
10:20to
10:21you.
10:22When
10:23it
10:24was
10:257 lakhs,
10:26it
10:27was
10:28given
10:29to
10:30you.
10:31When
10:32it
10:33was
10:347 lakhs,
10:35it
10:36was
10:37given
10:38to
10:39you.
10:40When
10:41it
10:42was
10:437 lakhs,
10:44it
10:45was
10:46given
10:47to
10:48you.
10:49When
10:50it
10:51was
10:527 lakhs,
10:53it
10:54was
10:55given
10:56to
10:57you.
10:58When
10:59it
11:00was
11:017 lakhs,
11:02it
11:03was
11:04given
11:05to
11:06you.
11:07When
11:08it
11:09was
11:107 lakhs,
11:11it
11:12was
11:13given
11:14to
11:15you.
11:16When
11:17it
11:18was
11:197 lakhs,
11:20it
11:21was
11:22given
11:23to
11:24you.
11:25When
11:26it
11:27was
11:287 lakhs,
11:29it
11:30was
11:31given
11:32to
11:33you.
11:34When
11:35it
11:36was
11:377 lakhs,
11:38it
11:39was
11:40given
11:41to
11:42you.
11:43When
11:44it
11:45was
11:467 lakhs,
11:47it
11:48was
11:49given
11:50to
11:51you.
11:52When
11:53it
11:54was
11:557 lakhs,
11:56it
11:57was
11:58given
11:59to
12:00you.
12:01When
12:02it
12:03was
12:047 lakhs,
12:05it
12:06was
12:07given
12:08to
12:09you.
12:10When
12:11it
12:12was
12:137 lakhs,
12:14it
12:15was
12:16given
12:17to
12:18you.
12:19When
12:20it
12:21was
12:227 lakhs,
12:23it
12:24was
12:25given
12:26to
12:27you.
12:28When
12:29it
12:30was
12:317 lakhs,
12:32it
12:33was
12:34given
12:35to
12:36you.
12:37When
12:38it
12:39was
12:407
12:41lakhs,
12:42it
12:43was
12:44given
12:45to
12:46you.
12:47When
12:48it
12:49was
12:507 lakhs,
12:51it
12:52was
12:53given
12:54to
12:55you.
12:56When
12:57it
12:58was
12:597 lakhs,
13:00it
13:01was
13:02given
13:03to
13:04you.
13:05When
13:06it
13:07was
13:087 lakhs,
13:09it
13:10was
13:11given
13:12to
13:13you.
13:14When
13:15it
13:16was
13:177 lakhs,
13:18it
13:19was
13:20given
13:21to
13:22you.
13:23When
13:24it
13:25was
13:267 lakhs,
13:27it
13:28was
13:29given
13:30to
13:31you.
13:32When
13:33it
13:34was
13:357 lakhs,
13:36it
13:37was
13:38given
13:39to
13:40you.
13:41When
13:42it
13:43was
13:447 lakhs,
13:45it
13:46was
13:47given
13:48to
13:49you.
13:50When
13:51it
13:52was
13:537 lakhs,
13:54it
13:55was
13:56given
13:57to
13:58you.
13:59When
14:00it
14:01was
14:027 lakhs,
14:03it
14:04was
14:05given
14:06to
14:07you.