Budget 2026 Outlook
The impending Union Budget 2026 is a major focus, with industry leaders strongly advocating for enhanced infrastructure spending. They urge the government
to double its investment to Rs 3 lakh crore. Moreover, there's considerable anticipation regarding potential tax reforms. Experts are seeking increased deductions, relief on the 30% tax slab, and adjustments to capital gains. Discussions also revolve around whether joint tax filing for married couples might become a reality. Experts suggest how the Finance Minister can make the New Tax Regime more appealing by integrating home loan and health insurance deductions. These expectations highlight the emphasis on economic growth and the desire for tax structures that support both individuals and businesses. The Economic Survey 2026, set to be presented on Thursday, is also a focal point, as it provides crucial insights into the nation's economic performance and future trajectory.
Tax Regime Changes
Significant alterations to income tax regulations are set to come into effect on April 1. These changes aim to simplify provisions for taxpayers. Moreover, there's ongoing discussion about the potential phasing out of the old tax regime in Budget 2026-27. Experts have weighed in on various expectations, which also include considerations for those facing delays in receiving their ITR refunds. Taxpayers need to understand that the delay in ITR refunds can happen due to various reasons, and there are guidelines on who to contact if the refund is delayed. Furthermore, taxpayers are advised on the types of Income Tax notices they might receive and how to respond. The objective is to ensure that taxpayers are well-informed about their tax obligations and rights.
Market and Investments
The stock market has displayed volatility, with factors impacting the Sensex and Nifty indices. In this context, experts have provided recommendations on stocks for long-term investment. Investment decisions are also influenced by events such as IPOs and their GMP. For instance, the Shadowfax Technologies IPO saw its GMP fluctuate ahead of listing. The Bharat Coking Coal IPO's allotment was finalized with a GMP of 58%, and a step-by-step guide was provided for checking the allotment status. Furthermore, investment strategies, like understanding the differences between PF and EPS, and the Sukanya Samriddhi Yojana (SSY), have gained importance for informed financial planning. The article also provides key insights, for instance, on 5 SIP myths that people should know before investing.
Real Estate Trends
The real estate market shows signs of shifting trends. Luxury housing sales have reached a four-year high, reflecting a preference for high-end properties. Simultaneously, tier-2 cities are emerging as new luxury property hubs. In Bengaluru and Hyderabad, housing sales experienced a significant jump in 2025. This shows an evolving landscape where open space now comes at a price. In light of these movements, reports highlight a stabilized real estate sentiment in Q4 2025 due to office demand and funding outlook. Recent issues, such as the Supreme Court-commissioned panel declaring Greater Noida's Grand Venice project unfit for occupancy, also contribute to the overall evaluation of the real estate sector.
Banking Sector Dynamics
The banking sector experienced diverse performance trends. ICICI Bank's Q3 results saw a 4% year-on-year drop in net profit to Rs 11,317.86 crore, while PNB reported an 11.6% increase in net profit to Rs 5,189.8 crore. Axis Bank also experienced positive growth, with a 4% increase following its Q3 profit uptick. The financial health of banks is also affected by other factors. RBL Bank reported a significant increase in net profit, which was up 5.5x to Rs 214 crore, thanks to declining provisions. Furthermore, discussions are ongoing regarding a potential nationwide bank strike, with employees demanding a five-day workweek. This situation highlights both the financial success and the workforce challenges influencing the banking environment.
Commodity Prices
The prices of precious metals, particularly gold and silver, have made headlines. Gold prices reached fresh highs, with 22K and 24K rates being observed on January 28, and silver prices also soared, crossing the Rs 4 lakh mark for the first time in India. The surge in silver prices has led to questions about its rising cost and its impact on investors. For instance, the article mentions that Silver ETFs jumped up to 10% and Gold ETFs gained over 3% on record bullion prices. The discussion also includes insights from financial experts like the 'Rich Dad Poor Dad' author, and their predictions regarding gold prices.
