Old vs New Tax Regime 2025: Why the ₹4 Lakh Deduction Threshold is the Game-Changer for ITR Filing 1. Executive Summary / Key Highlights Key Benchmark: The ₹4 lakh deduction threshold is critical in deciding between old and new tax regimes. Old Regime: Higher tax rates but allows multiple deductions/exemptions. New Regime: Lower tax rates but minimal deductions. When to Choose Old Regime: Total deductions above ₹4 lakh. When to Choose New Regime: Total […]

RBI Unsecured Lending MFI Asset Quality 2025 – No Concern Executive Summary / Key Highlights RBI Governor Sanjay Malhotra affirms no asset quality concerns in unsecured lending or microfinance (MFI) segments. System-wide NPAs remain satisfactory, with no upward trend in dud assets. Past increase in NPAs addressed via risk weight hikes on personal loans, credit cards, and MFI exposures. Credit growth in these segments has moderated post-risk weight revision. MFIs will remain a policy priority […]

SEBI Related-Party Transaction Rule Changes – New Compliance Model Executive Summary / Key Highlights – SEBI Related-Party Transaction Rule Changes SEBI proposes scale-based thresholds for material related-party transactions (RPTs), replacing the current one-size-fits-all rule. Move expected to reduce compliance burden for large listed companies by up to 60% for routine intra-group transactions. Experts welcome reform but warn of subsidiary loopholes, deal routing, and regulatory arbitrage. New rules introduce proportional thresholds based on turnover and relaxed […]

RBI Liquidity Push 2025 – Credit Demand & Market Trends Executive Summary / Key Highlights RBI Liquidity Push 2025  Despite slower bank credit growth, overall credit demand remains stable in FY26. Liquidity from RBI is flowing through banks, NBFCs, and capital markets at different speeds. ₹10 trillion liquidity infusion plus repo cuts have reshaped credit composition. Capital market funding is surging, offsetting bank credit slowdown. MSMEs remain a prime lending focus for banks due to […]