00:00I have a second question because the answer will be very good.
00:05The question is,
00:07what I am saying is,
00:10that he has made a job,
00:13so that he has a lot of people,
00:17so that he has a lot of people,
00:20home loan lyekar, aapne paas s e aah se vitiya sanos se loan lyektate hai, to u nke liye
00:27bhi kuchh praabdhan hoona chahiyeye, atik saitha ka, taaki ur iske alaabha aur
00:35bhi praabandh honne chahiyeye, ke agar u nko kisi bhoasale aise karao nye jatay
00:41ke unke aandhani ne biaabdhan pard jata hai, to us samein sarkar ko uske liye
00:48aatirik samaya ki ka bhi praabdhan ho jaiyeye, ye bhout awashak hai, to uske liye kuchh home loan
00:56ke liye, sarkar kushto kuchh percentage aapne paas se dhe sakti hai, subcidi ke toor
01:04par, taaki urnko badawa bhi paay, joh log svaim ka makaan khud kushto pe dhena chahi.
01:12Bhaaralaak ka prastaf pichle budget me paas hua, woh bhout hi aaccha prastaf tha,
01:22joh hamarai maniyya vipte mantri nirmala sita raman ji ne paas kira, but phir bhi
01:29joh sistem me kaafi sare joh hai, woh challenges hai, jaisi ki joh pehle hamarai yaa pe old tax
01:38regime hoota tha, aur phir uske baad new tax regime aya, but new tax regime me sare ke sare
01:43benefits joh te, woh khatam kar diyo. Mera ye maana hai ki sare ke sare tax regime khatam
01:50karne ki, exemptions karne ki zharurat nahi thi, joh resign change kari gai, uska main
01:56motive yeh tha, ki log old tax regime me fake deductions claim karte hai, jis se government
02:03ka tax revenue loss hoota hai, but kafi sare deductions ae si hai, joh easily traceable hai,
02:10jaisi ki LIC hai, PF hai, medical insurance hai, home loan hai, joh ki easily traceable hai,
02:20aur isme kooi bhi pravdhan aeisa nahi hai, ki kooi fake deductions claim kar seki hai,
02:26agar government in deductions ko new regime me allow kar dhe, aur in sabhi deductions ke
02:34liye data joh hai, woh link ho jayai, aur insaan ke joh income tax portal pe, joh annual
02:41information statement, johan pe, aaj ki rate me sabhi uska interest income, uska dividend income,
02:47uska stock market se related joh bhi capital gain hai, woh sab information agar woha
02:52aasakta hai, to joh bhi investment, chahe woh LIC hai, chahe woh PPF hai, chahe woh mutual
02:59fund hai, chahe woh home loan hai, yeh agar woha par aajai, aur us basis pe, unko deductions
03:04allow hoon, to, meri khiyal se, woh eek bhoot thi, saharaniya step hooga government ki
03:13taraf se, kyunki yeh dhekha jah raha hai ki, bhoot sarae loog joh ki new regime me
03:19aagay hai, agar unki salana aaye, mainly agar aap dhekhe, joh 25 laak ya 25 laak se
03:27zyadha sal ka kama raha hai, unki income ki agar aap proper calculation lagay hai, to unki
03:32income me agar woh bara mahinhe paeisa kamaatay hai, to, 4 mahinhe ka paeisa joh hai, unki
03:38salari ka, woh tax ke nama pe jah raha hai, to, agar unko is, eek rebate dhee
03:46jayay, yeh deductions allow new regime me kari jayay, to, meri khiyal se, yeh
03:52eek bhoot thi, saharaniya hooga, aur, thoda sa government ko, joh, ATC ki limit,
03:57dheardh laak hai, aaj ke jamanin me, dheardh laak ki investment kuch bhi
04:01nahi hai, meri khiyal se, isko bada hap ki, kum se kum, 5 laak rupay ki, deductions
04:05deductions allow karne chahiye, so that, joh, salary wala insaan hai, woh, isko
04:14ek motive se leker, aur, usme invest kare, johan usko tax benefit bhi mil e, aur, uska investment
04:20ke liye moutivation aur, bada hai,
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