Financial Wellness ( Hittesh Kothari )
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About Financial Wellness ( Hittesh Kothari )
*Services* *EQUITY & COMMODITY BROKING,* *MUTUAL FUND DISTRIBUTORS,* *FIXED DEPOSITS, NCD, BONDS, ETC.* *LIFE INSURANCE,* *NON-LIFE INSURANCE* (Health/Motor/Travel / SME) *IPO* *P2P FIXED RETURN INVESTMENT*
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Posts
Real Estate Gains Taxation Updated 🏠 🔹 New Rules: ✅ Holding period fixed at 3 years for long-term gains. ✅ Tax-free reinvestment under Sec 54/54F now capped. ✅ Real estate held via LLPs or foreign structures will be taxed more strictly. 📌 Impact: ➟ Property flipping (short-term selling) will be taxed more. ➟ You can’t keep rolling gains into new properties to avoid taxes forever! 🚀 Example: Before: You could sell a property, reinvest, and keep avoiding tax. Now: There’s a CAP on tax-free reinvestments!
Crypto & Foreign Investments Taxed More 🌍🚀 🔹 Crypto & Foreign Investment Changes: ✅ Crypto gains taxed at FLAT 30% (long-term or short-term). ✅ No offset against other losses. ✅ Higher tracking of offshore crypto holdings. ✅ Foreign capital gains face stricter taxation. 📌 Impact: ➟ Crypto traders & offshore investors need better tax strategies. 🚀 Example: If an NRI sells Apple shares, India may now tax the capital gains!
Market-Linked Debentures (MLDs) Lose Tax Advantage 📑 🔹 Earlier: ➟ MLDs were taxed as LTCG (10%) after 1 year. 🔹 Now (2025 onwards): ✅ MLDs will be taxed as Short-Term Capital Gains (STCG) at slab rates, regardless of holding period! ✅ No LTCG benefit on MLDs anymore. 📌 Impact: ➟ HNI investors using MLDs for tax efficiency will be hit hard. ➟ Direct bonds or corporate FDs might become better alternatives. 🚀 Example: Before: If you invested ₹10L in MLDs, after 1 year, LTCG tax was 10%. Now: You pay 30%+ if you’re in the highest tax slab!
✅ Tax Residency Matters: India taxes only residents on global income. NRIs are taxed only on income earned or received in India. ✅ Source Rule: Apple shares are foreign assets, and the sale happens outside India—so India has no tax claim. ✅ DTAA with the USA: Under the India-USA DTAA, capital gains from US-listed stocks are taxed only in the USA. Conclusion: If the NRI is not a tax resident of India and has no Indian income, India cannot tax the capital gain from selling Apple shares. Disclaimer: This isn’t tax advice. Consult a tax expert for specific cases.
this bill will be in action by april 2026
USDINR UP FROM 84 TO 88 ALMOST IN THESE 2 MONTHS WHILE INDIA'S CURRENCY CHEST ROSE FROM 630.61B $ TO NOW 638.26B$
*🇮🇳🤝🇺🇸 Key Highlights from India-U.S. Talks (Modi-Trump Meet)* _*👉🏻 Trade & Economy*_ 🔹 Trump: "We will make wonderful trade deals for India." 🔹 Trump: Welcomes India's tariff reduction & aims for fair trade agreement. 🔹 Trump: U.S. can offset trade deficit by selling oil & gas, hopes to be India’s No.1 supplier. 🔹 Modi: India targets $500B bilateral trade by 2030. _*👉🏻 Defense & Security*_ 🔹 Trump: U.S. to increase military sales to India, offers F-35 stealth fighters. 🔹 Modi: U.S. plays a key role in India's defense preparedness. 🔹 Trump: U.S. approved extradition of person linked to Mumbai attacks. 🔹 Modi: India & U.S. will fight extremism together. _*👉🏻 Infrastructure & Strategic Ties*_ 🔹 Trump: U.S. & India will build a major trade route involving Italy & Israel. 🔹 Trump: U.S. to partner on undersea cables & train routes. 🔹 Modi: India & U.S. to boost AI & semiconductor cooperation. 🔹 Modi: Joint focus on securing supply chains for strategic minerals. _*👉🏻 Geopolitics & Global Issues*_ 🔹 Trump: India-China border clashes are violent & must stop. 🔹 Trump: "I'll leave Bangladesh stance to PM Modi." 🔹 Modi: India & U.S. must address human trafficking fueling illegal immigration. 🔹 Modi: India to open new consulates in Los Angeles & Boston. _*👉🏻 Bilateral Relations*_ 🔹 Trump: "India has the highest tariffs—whatever India charges, we will charge them." 🔹 Modi invites Trump to visit India. 🔹 Trump: Stronger India-U.S.-Japan-Australia cooperation crucial for peace.
Holding Periods for Long-Term Capital Gains Standardized 📅 Earlier, different investments had different holding periods to qualify as long-term capital gains (LTCG). ✅ New Standardized Holding Periods (2025 onwards): 🔹 Listed Stocks & Equity Mutual Funds ➟ 1 year 🔹 Debt Mutual Funds & Bonds ➟ 2 years (earlier 3 years) 🔹 Real Estate & Land ➟ 3 years 🔹 Unlisted Shares, Startups, & Private Equity ➟ 2 years (earlier 3 years) 📌 Impact: ➟ More clarity on short-term vs long-term taxation. ➟ Debt mutual funds become more attractive with shorter LTCG period. ➟ Property flipping (buying & selling quickly) will be less tax-friendly. 🚀 Example: If you bought a debt mutual fund in 2023 and sell in 2025, you’ll pay LTCG tax in just 2 years instead of 3!
💡 Final Takeaways: ✔ Debt & MLDs lose tax benefits. ✔ Equity & real estate taxation mostly unchanged. ✔ Foreign gains & crypto under tighter scrutiny. ✔ NRIs must disclose foreign capital gains properly.