Hello friends!
Angel One ke iss naye podcast me aapka swagat hai.
Aapko aaj kal news aur financial baat cheet me ‘budget’ shabd toh sunne ko mila hoga. Ye issliye kyunki India ka Union Budget 2021-22 iss February 1st ko announce hone wala hai. Budget ke baare me baat toh har saal hoti hai. Aur kyun na ho? Akhir ye saal me India ka shayad sabse bada financial event hota hai.
Lekin agar aap iss budget ke baare me zyaada nahi jaante, toh chinta mat kijiye. Sunte rahiye kyunki aaj hum budget ko detail em discuss karenge. Is spodcast eke nd tak aapko samajh me aa jayega ki Union budget kya hai, kaise banta hai aur ye hamare economy yani arthvyavastha ke liye kyun itna zaroori hai, aam admi par budget ka kya asar ho sakta hai aur ye bhi dekh loenge ki 2021 ke naye budget se logon ki kya ummedein hai.
Toh chaliye, time waste kiye bina shuru karte hain. Jaan lete hain #BudgetKaMatlab.
Toh kya hai Union budget?
Union Budget of India hamare desh ka ek Annual Financial Statement hota hai. Union Budget me government ke financial condition , revenues aur aage ki expenditures detail me diye jaate hain. Indian Constitution ke article 112 ke anusaar government uss financial year yaani ki April 1 se lekar March 31 tak ke apne estimated receipts aur expenditure ka statement, Parliament ke dono houses ko present karti hai.
India ke Finance Minister iss budget ko present karte hain. Iske kai bhaag hain:
Pehla, Annual Financial Statement jo ki pichhle saal ke financial performance batata hai. Uske baad Demands for Grants submit ki jaati hai jo ki spending ministries ka request hota hai apne kharch ke liye. Ye grants approve hote hain Appropriation ya ‘Spending’ Bill jo ki government ko funds kharch karne ki permission deti hai. Fir aata hai Finance Bill jo government dwara suggested tax structure me hone wale changes ko list karta hai. Ye bill Parliament ko submit hoti hai. Finance Bill sirf Lok Sabha me introduce kiya jaata hai, lekin Rajya Sabha se recommendations mil sakti hain.
In sab documents ke alawa budget me agle financial year ka ‘Macro-economic framework’ bhi hota hai. Ye statement desh ki growth ki sambhavnaon ko outline karta hai aur on GDP growth, production, price, financial markets, industries, bahari sectors, aur Central government ke arthik sthiti ko bhi detail me present karta hai.
MTFP yani Medium Term Fiscal Policy ek aur statement hota hai and ye received revenue and expenditure ke balance ki jaanch karta hai. Isme capital aur borrowed funds, nayi revenue generate karne ke liye kaise use honge.
Next, Expenditure Profile hota hai. Jo ki ek complete picture hai of total money spent on revenue generation and general operations. Expenditure Budget ministries, sectors, and departments ko ek financial year ke liye jo funds allotted hai unhe show karta hai.
Last me, the Receipts Budget me government ke tax revenue, non-tax revenue aur capital receipts ka detailed summary hota hai. Isme kharch aur loans ki stithi bhi shaamil hote hain.
Complex hote huye bhi, Union budget hamare ghar ke budget jaise hi hai. Ye dekhti hai past financial activity, chalta hue loans aur income, future ke goals set karti hai, aur unhe fulfil karne ke liye ke spending structure bhi banati hai.
Aapne capital budget aur revenue budget ke baare me suna hoga. Ye dono hi budget ka hissa hain. Chaliye inka difference jaan lete hain.
Capital budget me public aur RBI se loans ki details di jaati hai. Naye health, development aur education facilities build karne ke liye jo expenditure hua hai, ye bhi capital budget me liste hota hai.
Revenue budget me taxes aur uske alawa receive kiya hua revenue aur government operations me kharch huye revenue ka record hota hai. Agar saal me ye kharch inn revenue receipts se zyaada hota hai, toh usse revenue defecit maana jata hai.
Chaliye jaan lete hain ki ye budget banta kaise hai aur fund allocation kaise decide hoti hai.
Union budget finance ministry aur doosre ministries ke careful calculations ke baad banta hai. Mantraalay, sansthaan, raajya aur union territories agale saal ke lie apanee financial yojanaen banate hain aur ise finance minister ko pesh karte hain - jo budget taiyaar karne ke lie salaahakaar, experts aur economists ke saath milakar kaam karte hain.
Budget ke liye circular September me release hota hai. Ye budget process ki shuruat hoti hai. Ministries aur departments apne request finance ministry ko bhejne ke baad, saare 54 Union mantralay aur the Department of Expenditure kai meetings aur discussions hold karti hain.
Iske baad Indian constitution ke Article 117 ke according, President ka recommendation milta hai ki budget Lok Sabha me finance minister dwara pesh ki jaye. Budget usi din Lok Sabha me pesh nahin ki jaati.
Budget present hone ke immediately baad Finance Bill introduce kiya jaata hai, jisme government ke naye financial proposals aur plans list kiye jaate hain. Iske saath budget-making process complete hota hai.
Kya aapko pata hai ki 2014 me, budget do baar banaya gaya tha? The reason is interesting. Election year me budget do baar present ki jaati hai. Pehla budget kuch mahino ke liye plans list karta hai. Doosra budget full budget hota hai.
I know ye kaafi technical information ho gaya. I hope you are keeping up.
Lekin hum iss budget ko samajhne me itni mehnat kyu kare? Kyunki Union budget hamare economy aur daily life ke liye bahut zaroori hai.
Jaise ki hamne samjha, Union Budget ka general aim ye hai ki woh government ki puri saal ki financial records and plans present kar, aur ye khayal rakhe ki funds theek se manage ho rahe hai. Aur hamare desh ki economic growth par focus bana rehta hai. Budget ke guidelines government ko apni duties fulfil karne me help karte hai. Duties jaise ki equality, justice, and sabka welfare. Toh dekh lete hain ki ye Union budget ka role kaise important hai:
First, government ke resources hamare society ke welfare ke liye allocate hota hai.
Revenue naye jobs aur naye growth opportunities ke liye use hota hai.
Welfare programme budget dwara fund hote hai taki low income citizens ko achha khaana, ashray, sikshya, aur swaasth mile. Higher income brackets ke liye taxes aur lower income brackets ke liye subsidies ke zariye the Union Budget income ka fair distribution sunischit karta hai.
Menhagyi aur economic fluctuations ko control karne ke liye Union budget kai steps propose karti hai. Ye desh ki economic stability maintain karne ke liye kiya jaata hai.
Union Budget me tax structure ke changes bhi mention hoti hain.
Iss sab ke wajah se Union Budget India ke liye bahut hi important hai kyunki iska effect India ke economic status aur citizens ke life par rahta hai.
Economy par budget ka effect ko toh humne samajh liya. Lekin aam aadmi ke liye ye value rakhta hai? 2021-22 ke budget se logon ki kya ummeedein hai woh bhi dekh lete hain.
Budget ke wajah se aam aadmi ke roz ki life me bahut si changes aa sakti hain jaise ki tax rates, sector performance, policies, aur doosri cheezon me changes. Hum jaante hain ki budget me citizens ke liye tax rates unki range of income par depend karti hain. Lekin taxable income par kai deductions mil sakti hain, jo budget me shaamil ho sakti hain.
Ek example dekh lete hain of why it is relevant. Income Tax Act ke Section 80C se according, specific financial instruments me invest karne par hamara total taxable income 1.5 Lakhs tak kam ho sakti hai. Aisa 2014 se raha hai. 2021 tak prices ke saath saath expenditures bhi badh rahi hain. Aur ye bhi hai ki investments bhi badh rahe hain. Iss cheez ko dhyaan me rakhte huye 2021-22 ke budget me ye limit badhne ki possisbility hai. Issey investment outlook par kaafi bada impact padega. Government naye saving aur investment schemes bhi introduce karti hai groups ya specific sectors ko boost dene liye. Iska knowledge rehne se aap apne liye appropriate schemes choose kar sakte hain.
Health insurance aur medical expenses par bhi aap deductions paa sakte hain. COVID-19 pandemic ke health crisis ko consider karte huye, citizens ko support karne ke liye government aur invest karne ka plan kar rahi hai. Apart from policy level changes, naye budget me aam logon ke health insurance aur medical costs ke liye taxable income deduction limit badh sakti hai. Iska effect kaafi achha ho sakta hai.
Budget ki jaankari rakhne se aapki investment portfolio improve ho sakti hai. Jab kisi sector ko budget se koi significant funding milti hai, toh usme investors ka interest bhi badh jaata hai. Budget ko aur past performance study karke, aap kisi bhi sector ki future performance speculate kar sakte hain.
Friends, ye tha Union Budget 101. I hope ki aap itni saari cheezein aaram se samajh paye.
Agar aap naye budget ke baare me jaanna chahte hai, check out other podcasts, videos and blogs on Budget 2021-22 by Angel One.
