Some humble suggestions Reduce the tax on capital gains, since people are investing to save tax and for secure future.Atleast reduce the tax if that was used for basic needs like education, medical treatment For new tax regime also, give more options dir tax savings, like increase in home loan slab, kids education Have one more slab after 24lakhs Take strict actions against the lagging of roadwork since it is one of the basic needs of citizen.(around 1yr was taken for taring 1km road in my area. Entire road was destructed first with an excavator an people travelled through that road for a year) For senior citizen , pls reduce the capital gain rate or it should atleast related to income More strict measures on private hospital bills or make govt hospital as par with them If we have a crisis similar to indigo, govt should be able to bring a strong competitor to them to eliminate monopoly Reservation based on financial status Measures to stop or control l9oting of temples

Hallmarking in silver items mandatory. Disclosure of gold and silver is mandatory. Prescribe new limit for gold holding in home.

Retail equity options traders lost one lakh five thousand crore in fy 2024/2025. The growth in options compared to futures is due to STT only on premium. Before 2008 it used to be on strike price plus premium of a option contract. Recently SEBI introduced DELTA based positions limits for options contracts. If a options has delta of 0.6 it should be taxed 0.6 times of equvalent futures STT. The froth in options market will be controlled by a great extent by this. As other ways to control options market is highly complex and will have many unintended consequences. A contract of 0.99 delta is taxed at 200-300% more than a contract of 0.9 delta while difference between them is only 10%. Taxing this way will have huge ramification on brokers, exchanges and other intermediaries. What is suggested above is relinking of strike for stt in options with adding delta as a extra metric will have a formula of- (Strike+premium)* lotsize * delta * 0.01/100

The Union Budget 2026–27 should focus on affordable education, quality healthcare, and employment generation for youth. Increased investment in skill development, competitive exam preparation support, and digital infrastructure will empower aspirants and strengthen human capital. Special attention to women empowerment, rural development, and transparent governance will ensure inclusive and sustainable growth for the nation.

Respected Finance Minister, the Union Budget 2026–27 should prioritize youth by expanding skill development programs, affordable education, and job-oriented training in emerging areas like technology and digital services. Support for startups and easier access to internships and employment opportunities will greatly help India’s future workforce.

आदरणीय वित्त मंत्री जी कभी आपने सोचा जब लालू जी रेल मंत्री जी थे। रेलवे का विकास कम अपना विकास पर ध्यान दिया🙏🙏 आप वित मंत्री हैं यदि आपको फाईनेन्स की जानकारी या अर्थव्यवस्था की जानकारी नहीं होती तो देश की विकास सही से नहीं हो सकता है। उसी तरह अपने देश कई IAS के पास संबंधित विभाग के डिग्री नहीं है तो विकास में समस्या हो सकती है। अतः मेरे विचार से ग्रामीण विकास के सचिव के पास ग्रामीण प्रबंधन हो, उसी तरह वित सचिव के पास MBA Finance की डिग्री हो। और स्वास्थ्य सचिव के मेडिकल की डिग्री हो रक्षा सचिव के पास रक्षा का विशेषज्ञ हो। 2047 ई तक भारत को विकसित करने के लिए विशेषज्ञ टीम👫👫👫 की बहाली करनी चाहिए। विशेषज्ञ टीम बनाकर देश के लिए योजना बनानी चाहिए। जय सोमनाथ जय जगन्नाथ चिन्मय आंनद पुर्णिया बिहार

*IT Exemption Limit of ₹25 lakh on Leave Encashment wef 01.01.2016* CBDT vide Notification No.31/2023 dated 24.05.2023 enhanced the exemption limit on leave encashment at retirement under section 10(10AA)(ii) from ₹3 lakh to ₹25 lakh w.e.f. 01.04.2023. This revision is in line with the 7th Pay Commission effective from 01.01.2016. However, non-government employees who retired between 01.01.2016 and 31.03.2023 were granted exemption only up to ₹3 lakh and so paid excess tax. In 2025, ITAT upheld that the enhanced limit should apply from 01.01.2016 and directed tax refunds. Nevertheless, CBDT Circular No.11/2024 dated 01.10.2024 restricts condonation of delay under section 119(2)(b) to 5 AYs, rendering many genuine retirees time-barred. Since neither retirees nor CBDT were aware of it earlier, this causes undue hardship and unequal treatment. Hence, relaxation of norms or retrospective application from 01.01.2016 is urgently required to extend relief to all similarly placed retirees.

आम आदमी को इनकम टैक्स मे सालाना 12 लाख से बढाकर 15 से बीस लाख पर पांच प्रतिशत, बीस से पच्चीस लाख पर दस प्रतिशत, पच्चीस से तीस लाख पर तीस प्रतिशत स्लैब किया जाये। स्वरोजगार को बढ़ावा देने के लिये युवाओं को विशेष प्रशिक्षण दिया जाये। मेरे द्वारा स्कूल/ कॉलेज मे विशेष कोर्स के जरिये प्रशिक्षण देने की व्यवस्था पर पिछले बत्तीस सालो से कार्य किया जा रहा है। आज भी मात्र पांच प्रतिशत लोग इनकम टैक्स देते है जो उचित नही है। इस विषय पर अतिरिक्त ध्यान देने की आवश्यकता है।

Shift capital from stock market to industrial expansion, creating jobs, lowering P/E ratios & making market ROI attractive. India’s high P/E ratios signal Paper Wealth driven by liquidity chasing too few value stocks. To hit $10 Tn, rebalance the Business-to-Capital Market (BCM) Ratio by moving money from screens to shop floors: (1) Launch Primary Market MFs: Incentivize MFs that invest in fresh equity (IPOs/ Rights Issues) and MSME debt. This funds new factories, not just stock trading. (2) Lower P/E via Earnings: Channeling capital to the factory floor boosts production and corporate earnings. This lowers P/E ratios, making India a Value Buy for FIIs & DIIs. (3) Direct SIPs to Jobs: Redirect 10% of SIP inflows into labor-intensive sectors (Textiles/ Electronics). This converts speculative savings into jobs. Let’s fund production, not just circulation. More details in my article: https://www.pgurus.com/for-more-private-investment-jobs-shift-investment-from-capital-markets-to-industry/

Honorable P.M. Tax collected money is citizens money so imposed a new fine in budget 2026 which is more than1000 times who evolved in development commission of poor work. and it should be equal for all even M.P. ,M.L.A., Engineers, Doctors.I.A.S.