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Union Budget Highlights – 1st February 2022

Union Budget Highlights – 1st February 2022
  • 1st Feb 2022 |
  • 1,647

The Union Budget 2022 will be presented in the Parliament today (February 1, 2022). After the impact of the Covid-19 pandemic, the 2022 Budget by Nirmala Sitharaman is projected to take the economy on an accelerated path of development. The top priorities on the government’s agenda as it prepares to unveil the budget includes

  • Amendments to the tax code to promote long-term growth
  • Infrastructure investment
  • A focus on R&D spending
  • Nurturing incentives for core sectors such as manufacturing and services
  • Leveraging the vast experience of running captive centers

In addition, tax compliance ease, simplification, and digitalization are the cornerstones of improving India’s ease of doing business.

A few expectations from this year’s budget

  • As already mentioned, in 2022, the focus of the Union Budget session will be on speeding up India’s comeback from the pandemic. It is also expected to prioritise the improvement of India’s education sector.
  • Measures to re-ignite India’s CAPEX cycle and develop a deficit reduction plan will be included in the upcoming Union Budget session.
  • The Union Budget 2022 anticipates significant expenditure on healthcare programmes and capital spending to support India’s further inclusion into the global supply chain.
  • It will also aim to reduce the corporate income tax rate to 25% and generate an extremely competitive 15% tax percentage for new manufacturing enterprises.
  • Employees are eligible for income tax rebates; however, the present standard deduction cannot be used to cap the amount that can be deducted from the work-from-home allowance. So, amendments pertaining to this are also expected to be a part of the upcoming budget.

When is the Union Budget for FY 2022-23?

Union budget 2022 date and time:

On January 31, President Ram Nath Kovind addressed both Houses of Parliament at the start of the Budget Session. The sessions will be split into two parts, with the first ending on February 11th and the second beginning on March 14th and ending on April 8th.

ndia’s budget 2022 date, like the previous years, is February 1. As previously stated, the Union Budget 2022 will cover the financial framework for the coming fiscal year (2022-23) and will be unveiled at 11 AM IST on 1st February 2022.

Who Will Announce The Union Budget for FY 2022-23?

In India, the unveiling of the budget announcement is one of the most awaited financial events.

The Finance Minister, Smt. Nirmala Sitharaman presents the Budget in New Delhi. The Union Budget will be broadcasted live on Lok Sabha TV that will also be telecasted by other news outlets as well as on social media channels like Twitter and YouTube.

Which Financial Year Is Considered While Announcing the Budget and When Does the FY Start

Another question that is discussed more often after the budget is presented must be—when does the newly announced budget come into effect?

Article 112 of the Indian Constitution refers to the Union Budget of India as the Annual Financial Statement. The Union Budget will be declared on 1st February 2022; this budget will be imposed for the Fiscal Year 2022-23.

This means that the policy changes, fund allocation and other benefits shall be applicable from the next Fiscal Year i.e., 1st April after the announcement of the Union Budget.

The fiscal year will extend from April 1, 2022, through March 31, 2023, putting an end to the debate about when does the budget come into effect and which financial year does it pertain to.

Undeniably, all eyes are on the announcements with a hopeful prognosis for long-term growth. This year, the Economic Survey will be published in a single volume with a separate volume for the Statistical Appendix. The purpose of establishing a separate book for the statistical appendix is to distinguish it as a one-stop source of accurate data.

HIGHLIGHTS OF THE UNION BUDGET 2022-23

India’s economic growth is expected to be 9.2% this year, the highest among all global economies. The economy’s comprehensive, swift rebound and recovery from the Covid-19 pandemic’s adverse consequences reflects our country’s great resilience, a true sign of the nation’s growth towards being Aatmanirbhar. Smt. Nirmala Sitharaman, the Union Minister for Finance and Corporate Affairs tabled the Union Budget 2022-23 in Parliament on February 1, 2022.

The Finance Minister stated that India is commemorating Azadi ka Amrit Mahotsav and has entered Amrit Kaal, 25 years leading up to India@100, in which the government aspires to achieve the Prime Minister’s vision as articulated in his Independence Day address, which includes:

  • Promoting the digital economy and Fintech, technology-enabled development, energy transition, and climate action
  • Relying on a virtuous cycle that begins with private investment and ends with public capital investment, helping to crowd-in private investment
  • Complementing macroeconomic growth and an equal focus on microeconomic welfare for all

The following are the main highlights of the budget 2022:

PART A

  • India’s economic growth is predicted to be the greatest among all large economies, at 9.2%.
  • In 14 industries, 60 lakh new jobs will be created under the Productivity-Linked Incentive Scheme. PLI Schemes can generate an additional ₹30 Lakh crore in revenue.
  • The Union Budget 2022, entering the Amrit Kaal, provides momentum for growth in four areas:
  • PM GatiShakti
  • Productivity Enhancement & Investment, Sunrise opportunities, Energy Transition, and Climate Action
  • Inclusive Development
  • Financing of investments

1.PM GatiShakti

The seven engines for economic transformation, seamless multimodal connectivity, and logistical efficiency will be covered by the PM GatiShakti National Master Plan. The PM GatiShakti framework will synchronize the projects related to these seven engines in the National Infrastructure Pipeline. Roads, Railways, Airports, Ports, Mass Transportation, Waterways, and Logistics Infrastructure are the seven engines that propel PM GatiShakti.

2.Inclusive Development

  • Agriculture
    • Direct payment of ₹2.37 lakh crore to 1.63 crore farmers for wheat and paddy procurement
    • Chemical-free natural farming will be encouraged across the county
    • Initial emphasis will be on farmers’ holdings in 5 km broad stretches along the Ganga
    • NABARD will allow a fund with blended capital to finance agricultural and rural enterprise startups
    • ‘Kisan Drones’ will inspect crops, digitize land records, and spray insecticides and nutrients
  • MSME
    • The portals of Udyam, e-shram, NCS, and ASEEM will be linked
    • Emergency Credit Linked Guarantee Scheme (ECLGS) will be provided to 130 lakh MSMEs. ECLGS would be extended until March 2023.
    • The ECLGS guarantee cover will be increased by ₹50000 crores, bringing the total protection to ₹5 lakh crores.
    • The Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE) will allow extra credit worth ₹2 lakh crore.
    • The Raising and Accelerating MSME Performance (RAMP) initiative would be implemented with a budget of ₹6000 crores.
  • Skill Development
    • The Digital Ecosystem for Skilling and Livelihood (DESH-Stack e-portal) will be launched to enable citizens to reskill or upskill via online training.
    • Startups will be encouraged to help with ‘Drone Shakti’ and Drone-as-a-Service (DrAAS).
  • Education
    • PM eVIDYA’s ‘One Class One TV channel’ initiative will be expanded to 200 TV channels.
    • To develop critical thinking skills and a simulated learning environment, virtual laboratories and skilling e-labs will be set up.
    • Digital Teachers will create high-quality e-content for distribution.
    • A digital university will be built to provide world-class universal education with a tailored learning experience.
  • Health
    • The National Digital Health Ecosystem will be built on an open platform.
    • A ‘National Tele Mental Health Programme’ would be created to provide high-quality mental health counselling and treatment services.
    • The National Institute of Mental Health and Neurosciences (NIMHANS) will serve as the nodal center, with the International Institute of Information Technology, Bangalore (IIITB) providing technical support.
  • Har Ghar, Nal Se Jal
    • Har Ghar, Nal se Jal has been awarded ₹60,000 crores to cover 3.8 crore households in 2022-23.
  • Housing for All
    • Under the PM Awas Yojana, ₹48,000 crores have been set aside to construct 80 lakh dwellings by 2022-23.
  • The Prime Minister’s North-East Development Initiative (PM-DevINE)
    • PM-DevINE, a new initiative to fund infrastructure and social development projects in the North-East, has been launched. Under the scheme, an initial allocation of ₹1,500 crores was granted to facilitate livelihood activities for youth and women.
  • Vibrant Villages Programme
    • Border communities with scant populations, insufficient connectivity, and infrastructure on the northern border will be developed through the Vibrant Villages Program.
  • Banks
    • 1.5 lakh post offices would be connected to the core banking system.
    • 75 Digital Banking Units (DBUs) will be established in 75 districts by scheduled commercial banks.
  • Accelerated Corporate Exit
    • Processing Center for Accelerated Corporate Exit (C-PACE) programme will be launched to help enterprises wind down quickly.
  • Task Force on AVGC Promotion
    • A task force for animation, visual effects, gaming, and comics (AVGC) promotion will be formed to maximize the sector’s potential.
  • Telecom Sector
    • As part of the Production-Linked Incentive Scheme, design-led manufacturing will be established to create a robust ecosystem for 5G.
  • Export Promotion
    • The Special Economic Zones Act will be replaced by a new law allowing states to collaborate on the “Development of Enterprise and Service Hubs.”
  • Public Capital Investment
    • In 2022-23, public investment will continue to stimulate private investment and demand.
    • Capital spending increased by 35.4% to ₹7.50 lakh crore in 2022-23, up from ₹5.544 lakh crore in the current fiscal year.
    • In 2022-23, the budget will be 2.9% of GDP.
    • The Central Government’s ‘Effective Capital Expenditure’ is anticipated to be ₹10.68 lakh crore in 2022-23, around 4.1% of GDP.
  • Digital Rupee
    • Starting 2022-23, the Reserve Bank of India will introduce the Digital Rupee.
  • Digital Rupee
    • Starting 2022-23, the Reserve Bank of India will introduce the Digital Rupee.
  • GIFT-IFSC
    • An International Arbitration Centre will be established to expedite the resolution of disputes under international law.
  • Fiscal Management
    • Budget Estimates 2021-22: ₹34.83 lakh crore
    • Revised Budget Estimates 2021-22: ₹37.70 lakh crore
    • Total spending in 2022-23 is expected to be ₹39.45 lakh crore
    • Total receipts other than borrowings are expected to be ₹22.84 lakh crore in 2022-23
    • Fiscal deficit in the current year: 6.9% of GDP (as opposed to 6.8% in Budget Estimates)
    • Fiscal deficit in 2022-23 estimated at 6.4% of GDP

    Part B

    DIRECT TAXES

    To continue the stable and predictable tax system policy, Budget 2022 envisions creating a trustworthy tax system, streamlining and eliminating litigation from the tax system. The Union Budget 2022 has introduced the provision of ‘Updated return’ for the payment of additional tax. It will allow the assessee to claim income that was previously unreported. It can be filed within two years of the conclusion of the assessment year in question.

  • Cooperative Societies
    • The Alternate Minimum Tax that cooperatives pay has been reduced from 18.5% to 15% to create a level playing field for cooperative groups and businesses.
    • Surcharge on cooperative societies has been decreased from 12% to 7% for those with total revenue of more than ₹1 crore but less than ₹10 crores.
  • Tax exemption for Persons with disabilities
  • Payment of annuity and lump sum amount from insurance plan to be allowed to differently-abled dependents during parents’/guardians’ lifetimes, i.e., when parents/guardians reach the age of 60.

  • Parity in National Pension Scheme Contribution
  • Increased the tax deduction ceiling on employers’ contributions to state government employees’ NPS accounts from 10% to 14%, bringing them on a level with central government employees and helping to improve social security benefits.

  • Incentives for Startup
  • For qualifying start-ups to receive a tax benefit, the time of incorporation has been extended by one year, to 31st March 2023; previously, the period of incorporation was valid until 31st March 2022.

  • Incentives under concessional tax regime
  • The deadline for starting manufacture or production under section 115BAB has been extended by one year, from March 31, 2023, to March 31, 2024.

  • Scheme for taxation of virtual digital assets
    • A new tax structure for virtual digital assets has been established.
    • Any revenue derived from the transfer of any virtual digital asset will be taxed at a rate of 30%.
    • During the computation of such income, no deductions or allowances will be allowed to save for the cost of acquisition.
    • Losses incurred due to the transfer of a virtual digital asset cannot be offset against other sources of income.
    • TDS will be applied on payments made about the transfer of virtual digital assets at a rate of 1% of such consideration above a monetary threshold to capture transaction details.
    • A gift of a virtual digital asset will be taxed in the recipient’s hands as well.
  • Tax incentives to IFSC
  • The following items will be tax-free if certain conditions are met:

    • Non-resident income from offshore derivative products
    • Income from an offshore banking unit’s over-the-counter derivatives
    • Income from royalties and interest on ship leases, as well as income from portfolio management services in the IFSC
  • Surcharge Rationalization
    • Surcharges on AOPs (consortiums formed to carry out contracts) is set at 15% to lessen the surcharge discrepancy between individual enterprises and AOPs.
    • Surcharge on long-term capital gains deriving from the transfer of any form of asset is set at 15% to give the startup community a boost
  • Cess for Health and Education
    • Any surcharge or tax on earnings and profits is not deductible as a business expense.

    • Deterrence against tax-evasion
    • There will be no set-off of any loss against undeclared income discovered during search and survey operations.

    • TDS Provisions Rationalization
      • Benefits distributed to agents as part of a business promotion campaign are taxable in the agents’ hands.
      • If the total value of the benefits received during the year exceeds 20,000, the person providing the benefits is eligible for a tax deduction.

      INDIRECT TAXES

    • Electronics
      • Customs duty rates will be adjusted to create a graded rate structure, making it easier to manufacture wearable devices and electronic smart meters.
      • Duty exemptions for parts of transformers used in mobile phone chargers, and camera lenses of mobile camera modules and a few other things to enable the production of high-growth electronic devices
    • Gems and Jewellery
      • To encourage the Gems and Jewellery sector, customs duty on cut and polished diamonds and gemstones would be decreased to 5%.
      • To facilitate the export of jewellery via e-commerce, a simplified regulatory framework will be adopted by June this year.
      • Import of fake jewellery will be subject to a customs duty of at least ₹400 per kg to discourage the import of low-value imitation jewellery.
    • Chemicals
      • Customs duty on certain vital chemicals, such as methanol, acetic acid, and heavy feedstock for petroleum refining, is being decreased.
      • Duty on sodium cyanide, which has sufficient domestic capacity, is being raised to increase domestic value addition.
    • MSME
      • The customs tax on umbrellas has been hiked to 20%. Parts of umbrellas that are being discontinued are exempt.
      • Exemptions for agricultural implements and tools manufactured in India are being simplified.
      • Last year’s customs duty exemption for steel scrap was extended for another year to help MSME secondary steel makers.
      • Specific anti-dumping and countervailing duties on coated steel and stainless steel and items, alloy steel bars, and high-speed steel are being cancelled to address the current high metal prices in the public interest.
    • Exports
      • Exemptions on ornamentation, trimming, pins, buttons, zipper, lining material, selected leather, furniture fittings, and packaging boxes are provided to stimulate growth.
      • To increase shrimp aquaculture exports, duties on certain inputs are being cut.
    • Tariff measures to encourage the blending of fuel
      • To incentivise fuel blending, unused petrol would be subject to an additional differential excise duty of ₹2/litre beginning October 1, 2022.

      This budget offers more hope and better prospects for the economy to accelerate, with a slew of measures geared at boosting growth amid high and increasing inflation and persistent Covid-19 uncertainty.

Kotak e-Term Plan

Features

  • Nominal Cost
  • Multiple Plan Options
  • Flexible Payout Options
  • Critical Illness Rider
  • Tax Savings
  • Long term Coverage

Ref. No. KLI/22-23/E-BB/492

T&C

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