To open a New opportunity for Self Help group women and Household women

The Union Budget 2025-26, presented by Finance Minister Nirmala Sitharaman, introduces significant measures to bolster Micro, Small, and Medium Enterprises (MSMEs), recognizing them as a pivotal engine of economic growth. Currently, over 1 crore registered MSMEs employ 7.5 crore individuals and contribute to 36% of India's manufacturing output, accounting for 45% of exports. To enhance their efficiency, technological advancement, and access to capital, the government has revised the classification criteria for MSMEs. The investment and turnover limits have been increased to 2.5 and 2 times, respectively, providing these enterprises with greater confidence to expand and generate employment opportunities for the youth. In a bid to improve credit accessibility, the budget proposes a substantial enhancement of the credit guarantee cover: Micro and Small Enterprises: The guarantee cover will be increased from ₹5 crore to ₹10 crore, facilitating additional credit of ₹1.5 lakh crore over the next five years. Startups: The cover will be raised from ₹10 crore to ₹20 crore, with a moderated guarantee fee of 1% for loans in 27 focus sectors vital for the Atmanirbhar Bharat initiative. Exporter MSMEs: Well-performing exporter MSMEs will receive term loans up to ₹20 crore. These measures aim to empower MSMEs to scale operations,...

The Union Budget 2025-26 has ushered in significant tax reforms, notably increasing the income tax exemption limit to ₹12 lakh per annum for individuals. This adjustment is anticipated to result in annual savings ranging from ₹80,000 to ₹1.2 lakh for middle-class taxpayers. pib.gov.in While these additional funds can alleviate daily expenses amid rising inflation, strategically investing this surplus can yield substantial long-term financial benefits. Investment Avenues for Long-Term Growth Equity Mutual Funds: Equity mutual funds pool investments to purchase stocks, offering diversification and professional management. Historically, these funds have provided average annual returns between 12% to 15%, outperforming traditional savings instruments. Systematic Investment Plans (SIPs) allow individuals to invest regularly, mitigating market volatility and harnessing the power of compounding. Public Provident Fund (PPF): The PPF is a government-backed, low-risk investment option with a current interest rate of 7.1% per annum. It offers tax benefits under Section 80C and has a lock-in period of 15 years, making it suitable for long-term financial goals. National Savings Certificate (NSC): NSCs are government-backed savings bonds with a fixed interest rate of 7.7% per annum. They provide tax benefits under Section 80C and have a maturity period of five years, making them a secure medium-term...

Union Budget 2025: Key Highlights and Major Announcements No Income Tax on Monthly Income up to Rs. 1 Lakh In a major relief for the middle class, the Union Budget 2025-26 has introduced a tax exemption for individuals earning up to Rs. 1 lakh per month under the new tax regime. Salaried employees earning up to Rs. 12.75 lakh per annum will pay zero income tax, enhancing household savings and boosting consumption. Four Pillars of Economic Growth Finance Minister Nirmala Sitharaman identified four key engines of economic development in her budget speech: Agriculture, MSMEs, Investment, and Exports. 1. Agriculture Boost ‘Prime Minister Dhan-Dhaanya Krishi Yojana’ will be launched in 100 low-productivity agricultural districts, benefiting 1.7 crore farmers. ‘Mission for Aatmanirbharta in Pulses’ will focus on Tur, Urad, and Masoor dal, with guaranteed procurement by NAFED and NCCF for four years. Kisan Credit Card (KCC) Loans: Loan limits under KCC increased from Rs. 3 lakh to Rs. 5 lakh under a modified interest subvention scheme. Cotton Productivity Mission and Comprehensive Vegetable & Fruit Programme will be introduced to improve agricultural yield and profitability. 2. MSME Support and Make in India Credit Guarantee Cover Doubled: MSME credit coverage has been increased from...