Published: 23rd July 2024

Union Budget 2024: How it impacts your money

By: Value Research

#1 Changes to tax slabs under the new regime

Tax slabs under the new tax regime have been revised.

New tax regime (existing) Tax rate New tax regime (revised) Tax rate Up to Rs 3 lakh 0% Up to Rs 3 lakh 0% Rs 3-6 lakh 5% Rs 3-7 lakh 5% Rs 6-9 lakh 10% Rs 7-10 lakh 10% Rs 9-12 lakh 15% Rs 10-12 lakh 15% Rs 12-15 lakh 20% Rs 12-15 lakh 20% Above Rs 15 lakh 30% Above Rs 15 lakh 30%

#2 Increase in standard deduction

The standard deduction for salaried taxpayers will be increased from Rs 50,000 to Rs 75,000. This, coupled with the revisions in the new tax regime, is expected to help those in the highest tax bracket save Rs 17,500 in taxes every year.

#3 Hike in capital gains tax

This budget was a thumbs down for investors since the STCG (short-term capital gains tax) was increased from 15% to 20%. Further, the LTCG (long-term capital gains tax) has also been spiked from 10% to 12.5%.

#4 Rise in LTCG exemption limit

While the jump in capital gains tax was a downer, the rise in the basic exemption limit for LTCG tax from Rs 1 lakh to Rs 1.25 lakh per annum will give some relief to investors.

#5 Increase in STT

In a bid to regulate F&O (futures and options) trading, the STT (securities transaction tax) on Options’ sales will increase from 0.0625% to 0.1%, while that on Futures’ sales will rise from 0.02% to 0.1%.

#6 Modifications to NPS (National Pension Scheme)

1) Introducing NPS Vatsalya for minors, 2) Employer’s tax-free contribution towards NPS to increase from 10% to 14% of employee’s salary

Other Webstories

To read more about key highlights from the budget, click the link below.