Bharat Sarkar ne Budget 2025 me Senior Citizens (वरिष्ठ नागरिकों) ke liye kuch bade aur zaroori badlav kiye hain. Agar aap ya aapke ghar me koi senior citizen hai, to ye post aapke kaam ki hai.
Chaliye simple aur friendly language me samajhte hain un 5 bade faydon ke baare me jo is budget ke baad aapko mil rahe hain.
1. ₹1 Lakh Tak TDS Free – Ab Zyada Bachat
Pehle agar aapki Bank FD ya savings par ₹50,000 se zyada interest income (ब्याज आय) hoti thi, to uspe TDS (Tax Deducted at Source) katega.
Lekin ab ye limit badhakar ₹1,00,000 kar di gayi hai.
Iska matlab agar aapko ₹1 lakh tak ki interest income milti hai, to uspe TDS nahi katega.
Ye rule FY 2025-26 se lagu hoga.
TDS Exemption on Interest Income ek badi rahat hai.
Agar aapka paisa National Savings Scheme (NSS) ke purane khaton me hai, jaise NSS-87 aur NSS-92, to ek achhi khabar hai.
Ab in khaton se paisa nikalne par koi penalty nahi lagegi.
29 August 2024 ke baad withdrawal karna asaan ho jayega.
Aap bina extra charge ke apne paise nikal sakte hain.
3. 75 Saal Se Upar Walon Ko ITR File Karne Ki Zarurat Nahi
Agar aapki umar 75 saal se zyada hai aur aapki aamdani sirf pension aur bank interest se aati hai,
to aapko Income Tax Return (ITR) file karne ki zarurat nahi hai.
Aapke bank khud hi aapka tax katega aur sarkar ko jama karega.
Ye Section 194P ke tahat kiya gaya badlav hai.
4. SCSS Yojana Bani Aur Bhi Faayde Mand
Senior Citizens Savings Scheme (SCSS) ek popular investment plan hai.
Isme kuch naye badlav kiye gaye hain:
- Interest Rate: 8.2% per year
- Minimum Investment: ₹1,000
- Maximum Investment: ₹30 lakh
- Duration: 5 saal (3 saal aur badha sakte hain)
- Tax Benefit: ₹1.5 lakh tak ka benefit Section 80C ke under
Ye scheme retirement ke baad regular income aur financial security deti hai.
5. New Tax Regime Me Standard Deduction Ka Bada Fayda
Pehle pensioners ko ₹50,000 ki Standard Deduction milti thi.
Ab ye badhakar ₹75,000 kar di gayi hai.
Saath hi, naye tax slabs ke hisaab se senior citizens ko kam tax dena padega.
New Tax Regime Slabs:
- ₹0 – 4 lakh: 0%
- ₹4 – 8 lakh: 5%
- ₹8 – 12 lakh: 10%
- ₹12 – 16 lakh: 15%
- ₹16 – 20 lakh: 20%
- ₹20 – 24 lakh: 25%
- ₹24 lakh se upar: 30%
Old Tax Regime Slabs:
- ₹0 – 3 lakh: 0%
- ₹3 – 5 lakh: 5%
- ₹5 – 10 lakh: 20%
- ₹10 lakh se upar: 30%
To agar aap new tax regime chunte hain, to zyada saving hogi.
Conclusion – Budget 2025 Senior Citizens Ke Liye Kya Laya?
- Interest Income par TDS chhoot badhakar ₹1 lakh ho gayi
- NSS khaton se withdrawal ab bina penalty ke ho sakega
- 75+ umar walon ko ITR file nahi karna padega
- SCSS scheme me achhi interest aur tax benefit
- New tax regime se zyada saving ka mauka
Ye sab changes Senior Citizens ke liye financial freedom aur suvidha le kar aaye hain.
Agar aap ya aapke parivaar me koi senior citizen hai, to in benefits ka zarur labh uthayein.
