5 Most Important Takeaways from the HDFC Securities Union Budget 2025-26 Report
5 Most Important Takeaways from the HDFC Securities Union Budget 2025-26 Report
Major Tax Reforms to Boost Consumption
Tax-free income limit raised to ₹12.75 lakh, infusing ₹1 lakh crore into middle-class households.
Expected to stimulate consumer spending, benefiting FMCG, retail, and discretionary sectors.
Massive Agriculture & Rural Development Push
₹1.7 lakh crore allocation (+21.7%) for agriculture and allied sectors.
Kisan Credit Card (KCC) loan limit increased from ₹3 lakh to ₹5 lakh to support farmers.
Dhan Dhanya Yojana launched to improve productivity and post-harvest storage.
Infrastructure & Capex Growth, but Below Expectations
₹11.2 lakh crore capex allocation, slightly higher than last year but lower than market expectations.
Defence outlay increased by 13% (₹1.8 lakh crore), but capital expenditure remains underwhelming.
Road & railway budgets remain stagnant, raising concerns over long-term growth.
Banking & Insurance Reforms
FDI limit in insurance sector raised from 74% to 100%, allowing foreign firms full ownership.
ULIP taxation changes, making them less attractive investment options.
Credit guarantee cover doubled for MSMEs & startups, boosting business funding.
Strong Push for Green & Renewable Energy
Renewable energy budget hiked by 53% to ₹26,549 crore.
₹20,000 crore Nuclear Energy Mission for Small Modular Reactors (SMRs).
Expansion of PM Surya Ghar Muft Bijli Yojana for clean energy adoption.
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