Tax Regime Shifts
The Budget 2026 is expected to bring substantial changes to the existing income tax system, with a new income tax law slated to roll out from April 2026.
The shift could simplify provisions for taxpayers, although the specifics remain undisclosed. Discussions include the possibility of joint tax filings for married couples. The focus is on tax clarity and faster dispute resolution to enhance ease of doing business. The real estate industry is also looking for tax relief and policy stability. There is a strong possibility that the old tax regime may be phased out entirely. Additionally, taxpayers have options, such as updated or revised returns, to manage their tax liabilities. In December 2025, about 22.4 lakh updated returns and 26 lakh revised returns were filed. It's crucial for taxpayers to stay informed about these impending changes.
Bank Holiday Updates
Navigating banking schedules is essential, especially with upcoming holidays. Branches are expected to remain closed for several days, between January 14 and 18, so it’s important to plan visits accordingly. Bank employees are planning a nationwide strike on January 27, related to the demand for a five-day work week, potentially affecting banking operations. Keep an eye on local announcements, as holidays may vary depending on the state and region. For instance, January 14, 2026, is a bank holiday for Makar Sankranti. Further closures on January 15 are scheduled for the Maharashtra Civic Polls.
Real Estate Trends
The Indian real estate market is witnessing significant shifts and trends. The Delhi-NCR region saw a 39% jump in housing launches during the fourth quarter of 2025, with the mid-segment leading supply. Homebuyers are increasingly shifting towards premium and branded homes. Reports suggest that office occupancy in Delhi-NCR is expected to exceed 80% by 2027. This indicates robust growth and confidence in the sector. Furthermore, a recent order affects property possession rules in Bengaluru. Also, there's been discussion about the possibility of purchasing property without agents, reflecting innovation and changes in the market.
Investment Strategies
Several investment opportunities and concerns are emerging. Gold and silver prices have reached record highs, which could influence investment decisions. Meanwhile, the REIT market in India is anticipated to reach $25 billion by 2030, a substantial increase from $18 billion in 2025. There are various small savings schemes available, allowing for safe returns. Additionally, experts are discussing premature redemption of Sovereign Gold Bonds (SGBs), where an investment of Rs 1 lakh could turn into Rs 2.9 lakh. HDFC Bank and ICICI Bank are revising card benefits as airport lounge demand increases. It's prudent to check for changes and new schemes to make the best investment choices.
Additional Financial Insights
Several other developments are affecting the financial landscape. India's GST collection rose by 6.1% year-on-year to Rs 1.74 lakh crore in December 2025. Personal loan growth hit 35% in 2025, fueled by small-ticket loans. Also, the government is focusing on the DIGIDHAN mission, which saw a 41% CAGR, with digital payments reaching 22,831 crore in FY25. The World Bank forecasts strong domestic demand, raising India's FY26 growth estimate to 7.2%. The performance of the market is mixed, with the Sensex ending lower in recent trading sessions.
