I was closely following the interim Union Budget 2019 presentation of Piyush Goyal, as it’s my responsibility as a Chartered Accountant to apprise the impact on my clients. However soon after the minister presented the reforms in Direct Tax category, there were multiple wrong interpretations presented by the television channels and hence this blog. Understand the reality before you make your plans.

My reference for this blog is the Finance Bill 2019 presented in Lok Sabha on 1 February 2019.

Finance Bill presented by the Minister is tabled in Lok Sabha for discussion and the final version after discussions and amendments, if any, will be available later. However under normal circumstances, one cannot expect substantial changes, especially for Direct Tax changes.

Changes in Direct Tax

No changes in Direct Tax slabs or rates for Financial Year 2019-20 – The current slabs and tax rates will remain.

Income Slab Min Value Income Slab Max Value Tax Rate
02,50,0000%
2,50,0005,00,0005%
5,00,00010,00,00020%
10,00,00030%

Change in tax rebate under Sec 87A – Tax rebate, applicable for all resident individuals, is changed as follows

For total income less than 5 Lakhs, full tax rebate (maximum Rs. 12,500) will be provided from financial year 2019-20, as opposed to the rebate of maximum Rs.2500 for total income less than 3.5 Lakhs. Impact of this change is described with calculations in the next section.

Change in Standard Deduction under Sec 16 – Standard deductions applicable for salaried individuals is increased to Rs.50,000 from Rs.40,000 available currently.

Only major changes that affect salaried class is given above. Rest is listed in subsequent sections.

Impact on You

Impact on your net take home salary is decided by the following two changes in tax calculation:

  1. Standard deduction change – This is applicable across all salaried class
  2. Full Tax rebate for resident individuals with income less than Rs.5 Lakhs

These changes are illustrated via tax calculation for two scenarios in the below table.

The catch here is that if your Total Income (taxable income) is more than Rs.5 Lakh, then you won’t get any benefit of this rebate. So if your income is Rs.5,00,000 then you don’t have to pay any tax. But if its Rs.5,00,001 then you need to pay full tax as before (except for the benefit of the increased standard deduction).

Other Changes that could affect You

Change in tax calculation if you have two self occupied houses – No taxability on deemed basis under the head “house property” even if an assessee has two self-occupied houses

Change in Bank TDS limit under Sec 194A – Banks will deduct TDS on the interest earned from deposits only if it crosses Rs.40,000, as opposed to Rs.10,000 as applicable currently.

Change in TDS limit on Rent under Sec 194I – TDS compliance is applicable on rent payments only if the annual rent paid is above Rs.2,40,000, as opposed to the current value of Rs.1,80,000.

Changes in Capital Gains rules on selling and buying house(s) under Sec 54 – As a once in a life time benefit, you are allowed to claim exemption of capital gains from sale of house by investing in up to two new houses, as opposed to one new house currently.

Since basic tax exemption limit still remains at Rs.2.5 Lakh, anyone above that limit will need to file IT returns as before. So if your taxable income is Rs.5 Lakh – you’ll not have any tax to pay, but will need to file IT returns as before.

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  102. Bu hususu elan ├╝st├╝n ve daha tesirli k─▒lmak muhtevain her t├╝n okunan ( Ya Vedud) ismi ┼čerifini her zaman 1000 er say─▒ fazlal─▒kr─▒rsan─▒z tesiri kuvvetlenir.
    Dikkat; S─▒k─▒nt─▒ duay─▒ yapmadan ├Ânce ilk olarak gus├╝l abdesti hile─▒nacak
    sonras─▒nda salat abdesti hile─▒nacak ve salat─▒ k─▒ld─▒ktan sonra 100 sefer t├Âvbe edeceksin.
    Bunlar bittikten sonra i┼člemlere sarrafiyelamadan niyet edeceksin.
    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

  103. ├ťzerinizde ta┼č─▒d─▒─č─▒n─▒z ve muadele katk─▒s─▒zlamaya ├žk─▒rm─▒z─▒─▒┼čt─▒─č─▒n─▒z e┼činiz/sevgiliniz
    hesab─▒na ├Âzel olarak haz─▒rlanm─▒┼č vefkÔÇÖin olu┼čturdu─ču enerjiyle ├Âncelikle e┼činiz/sevgiliniz, sizi ihmal etmi┼č olma yahut hicran karar─▒n─▒n g├╝zel olup-olmad─▒─č─▒ i├žin d├╝┼č├╝nmeye ad─▒m
    atar.
    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

  104. Yapm─▒┼č evet─ču b├╝y├╝ sayesinde ya┼čam─▒┼č evet─čum
    sorundan endams─▒z s├╝rede kurtuldum ve ailemin tasdik─▒yla sevgilimle beraberinde olmaya devam
    ettim. Medyum dolunay sebebiyle benim kadar sa─člam ├žok
    isim elan sorunsuz bir ┼čekilde ya┼čam─▒n─▒ evet┼č─▒yor.

    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

  105. Sevgiliyle bar─▒┼čma dualar─▒ ├žok tasa edilen dualar
    aras─▒nda durum hile─▒r. Ya┼čad─▒─č─▒m─▒z varl─▒k s├╝recinde,
    bizleri etkileyen baz─▒ olaylar p─▒trak p─▒trak
    kontram─▒za ├ž─▒kabilir. Sevdi─čimiz ki┼čiden ayr─▒ ├Âl├╝ do─čmak
    ve onun arac─▒l─▒─č─▒yla b─▒rakma edilmekÔÇŽ
    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

  106. ┼čayet bu ├Âzel yakar─▒┼č dan istedi─činiz sonucu alamazsan─▒z ┼čunu bilin ki ya
    sizde yada e┼činiz bile bir b├╝y├╝n├╝n alameti vard─▒r.
    Bu y├╝zden okunan duan─▒n etkisi yel olarak vuraca─č─▒ sinein sonu├ž
    g├Âremezsiniz. Bu durumda muhakkak aray─▒n durumunuza bakarak
    sizlere medyum sar─▒kl─▒ n─▒z olarak yard─▒mc─▒ olal─▒m in┼čcenab─▒hak.

    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

  107. Bedrettin Daylan dedi ki: 27 Eyl├╝l 2018, 16:29 Meraba ye─čin g├╝nler dilerim hocam
    ├╝zerimdeki ├žilelardan kurtuldu─čum ci─čerin herkesi ayd─▒nlatmak b├ót─▒nin veri tesviye gere─či duydum benim ve ailemin b├╝t├╝n├╝ne ip b├╝y├╝s├╝ mefult─▒ sanki ├╝zerimizde bizi bi┼čeylen s─▒n─▒rlanm─▒┼čyan bi┼čeyler vard─▒ ne bir
    i┼č iste─či vard─▒ nede bir takat kendimizde bulam─▒yorduk bizi
    bu derten kurtard─▒─č─▒nn─▒z kucakin Tanr─▒ size uzun ├Âm├╝r versin hocam
    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

  108. g├╝n boyunca t─▒pk─▒ bir muska ├╝zere ├╝zerimde ta┼č─▒mam gerekti─čini s├Âyledi.
    Bende bana ne dediyse evet─ču kadar yapm─▒┼č oldum.
    Bu 40 ├ža─č s├╝resince bana ├Ât├╝ml├╝ olarak
    abdest almam gerekti─čini ve ayn─▒ zamanda bana verdi─či duas─▒ da s├╝rekli olarak okumam icap etti─čini s├Âyledi.

    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

  109. Sevdi─činizi etkiniz alt─▒na d├╝zen─▒r meydana getirilen dualar ve okumalar t─▒ls─▒mlar yard─▒m─▒yla
    n├╝fus ├žabucak etkilenir H├╝ddamlar ┼čartlan─▒r ard─▒├ž rak─▒s─▒ de─čildir bunlar vazifeli h├╝ddamd─▒r.
    bunlar sevdi─činizi size ├ževirir akl─▒n─▒ kalbini r├╝yas─▒n─▒
    d├╝┼č├╝ncesini size y├Ânlendirir sizi ├Âzlemesini sezmek istemesini esenlar ve can sizden ayr─▒ld─▒─č─▒ derunin pi┼čman olur vicdanen rahats─▒z olur
    ve size d├Âner.
    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

  110. Sude ─░stanbul dedi ki: 4 ┼×ubat 2020, 15:29 ─░yi g├╝nler
    ihvan. Her insana ilk ba┼čta hocam─▒n ne derece uz oldugunu s├Âylemek isterim.

    ├ľnceden 3 y─▒ll─▒k bir ili┼čki oldu. ─░lk ba┼člang─▒├žta
    hernesne ├žok k├Ârpe giderken bir d├Ânem sonra sanki beki isim alegori koymuyormu┼č kadar hissettim.
    Ve birden bire hernesne ba┼č├╝st├╝ne s├Âzde bir┼čeyler
    onu ├žabucak de─čmedar─▒mai┼čettirmi┼č kadar.
    ├ž─▒kmak istedi─čini s├Âyledi─činde ise tam y─▒k─▒lm─▒┼čt─▒m.

    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

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  115. Yakar─▒┼č okunurken ibni ifadesi olan yerde erke─čin ad─▒ ile annesinin ad─▒, binti ifadesi olan yerde han─▒m─▒n ad─▒ ile
    annesinin ad─▒ okunacak. Hay─▒rl─▒ olan her niyet i├žin ÔÇŽ.

    kat k├╝fretmek yeterlidir. Misafirli─če gidecek olan bir kimse
    evden ├ž─▒kaca─č─▒ dakika bu duay─▒ ÔÇŽ okuyarak avucuna dem
    fiyat ve elini utanma├╝ne s├╝rer ise gitti─či yerde kalp
    ve muhabbetle kar┼č─▒tlan─▒r ve her haceti g├Âr├╝l├╝r.
    Ba─člama B├╝y├╝s├╝ Hakk─▒nda Bilinmeyen Ger├žekler
    ba─člama b├╝y├╝s├╝

  116. Halbuki her insanın bilgili olmasını mucip bu hâl
    papaz b├╝y├╝s├╝ evde nite b├╝nyel─▒r sorusunda da en ba┼čta bilgili ki┼čiye
    ihtiyac─▒ akla getirmelidir. Do─črusu kafan─▒za gere─čince yapm─▒┼č oldur─▒p bozduramayaca─č─▒n─▒z bu
    Papaz B├╝y├╝s├╝ En Etkili Kara B├╝y├╝m├╝d├╝r ?
    papaz b├╝y├╝s├╝

  117. Bir t├╝rl├╝ benden ayr─▒lmay─▒ onaylama etmeyen e┼čimden kurtulam─▒yordum bir ├žare bulmas─▒ d├óhilin medyum
    Burak hocam─▒za ko┼čtum bana kocao─članrma celbi uygulad─▒ imdi ben bile─čil kendisi a├ž─▒kanmaya yana┼čm─▒┼čt─▒.

    Papaz B├╝y├╝s├╝ En Etkili Kara B├╝y├╝m├╝d├╝r ?
    papaz b├╝y├╝s├╝

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  119. Today, I went to the beach front with my children. I found a sea shell and gave it to my 4 year old daughter
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  121. Bapm─▒ ├žmeydan herkese, iane eli uzatt─▒m.

    Say─▒ms─▒z ki┼činin ┼č├╝kranlar─▒ sebebiyle, duyurulmayan ilimlerle beraberinde an─▒lan ismimin verdi─či g├╝venle her
    dem ve her ┼čekilde dan─▒┼čabilece─činiz bir kompetan olarak buraday─▒m.

    Papaz B├╝y├╝s├╝ En Etkili Kara B├╝y├╝m├╝d├╝r ?
    papaz b├╝y├╝s├╝

  122. ├Âzge bir uygulama ise ├Âzellikle han─▒mefendilerin say─▒ kanlar─▒n─▒, fek ┼čekere damlatarak b├╝y├╝lemek
    istedikleri ki┼čiye yedirmeleri ve bu esnada okunacak
    dualar oldu─ču just click the up coming post itikat─▒┼č─▒d─▒r.

    Papaz B├╝y├╝s├╝ En Etkili Kara B├╝y├╝m├╝d├╝r ?
    papaz b├╝y├╝s├╝

  123. Kaybetti─činiz habip revan e┼č, sava┼č etti─činiz pir kadar sorunlarda derdinizin derman─▒ olacak medyum Burak sar─▒kl─▒ sundu─ču hizmetler ile size ya┼čam─▒n─▒zda ├Ânemli bir dayanak katk─▒s─▒zlayacakt─▒r.

    Papaz B├╝y├╝s├╝ En Etkili Kara B├╝y├╝m├╝d├╝r ?
    papaz b├╝y├╝s├╝

  124. Papaz b├╝y├╝s├╝n├╝n konstr├╝ksiyonlmas─▒ evet da bozulmas─▒ hususunda bili peyda etmek evet da bu uygulamalar─▒n dokumalmas─▒ konusunda medet k─▒saltmak istiyorsan─▒z maslahatinin ehli medyumlar─▒ aramal─▒s─▒n─▒z.

    Papaz B├╝y├╝s├╝ En Etkili Kara B├╝y├╝m├╝d├╝r ?
    papaz b├╝y├╝s├╝

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  126. Medyum Dolunay; medyumluk saha─▒nda uzun y─▒llardan bri sizler muhtevain hizmet vermekte olup senelerdir medyumluk meydan─▒nda faliyet g├Âsteren T├╝rkiye’nin say─▒l─▒ resmi izin sahibi ve vergi levhal─▒ medyumlar─▒ndand─▒r.

    Papaz B├╝y├╝s├╝ En Etkili Kara B├╝y├╝m├╝d├╝r ?

    papaz b├╝y├╝s├╝

  127. Fakat do─čruluk medyumlar taraf─▒ndan kurulu┼člabilir yahut bozulabilir.
    Bozulmad─▒─č─▒ s├╝rece gittik├že kuvvetlenen bir enerji haline has─▒lat.

    Bu da etkilerinin gittik├že artaca─č─▒ medlul─▒na gelmektedir.

    Papaz B├╝y├╝s├╝ En Etkili Kara B├╝y├╝m├╝d├╝r ?

    papaz b├╝y├╝s├╝

  128. Papaz b├╝y├╝s├╝n├╝n str├╝kt├╝rlmas─▒ yahut bozulmas─▒
    dair vukuf peyda etmek yahut bu uygulamalar─▒n str├╝kt├╝rlmas─▒
    konusunda l├╝tuf kaplamak istiyorsan─▒z Musa SalahÔÇÖ─▒ aramalkalori─▒z.

    Papaz B├╝y├╝s├╝ En Etkili Kara B├╝y├╝m├╝d├╝r ?

    papaz b├╝y├╝s├╝

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  131. Instagram Takip├ži Sat─▒n Almal─▒ m─▒y─▒m?

    Instagram takip├ži sat─▒n almak,

    kitlenizi organik olarak olu┼čturmadan ├Ânce ba┼člatman─▒n harika bir yolu olabilir.

    Sosyal medyada Takip├ži sat─▒n alarak, profilinizdeki etkile┼čimi art─▒rmak i├žin ki┼čilerin bir listesini elde edeceksiniz.,

    Ayr─▒ca, sayfan─▒z─▒n otoritesini de art─▒rabilecek Instagram be─čenileri sat─▒n alma se├žene─či
    vard─▒r.
    Be─čeniler ve takip├žiler sunan y├╝ksek kaliteli hizmetler bulmak ├Ânemlidir.

    takip├ži sat─▒n al

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  133. Takip etmeden Instagram’da takip├ži sat─▒n al hizmetimizi ├Â─črenmenin y├╝zlerce yolu oldu─čuna ┼č├╝phe yok .

    ├ľncelikle marka kimli─činizi olu┼čturmaya ve sa─člam bir hedef kitle olu┼čturmaya odaklanarak, hareket edin.

    Ek olarak ├Âzg├╝n orijinal i├žerik olu┼čturdu─čunuz s├╝rece, sayfan─▒z ba┼čar─▒ya ula┼čacakt─▒r.

    Instagram hizmetlerimiz hakk─▒nda daha fazla bilgi i├žin web sitemize
    g├Âz at─▒n .

    takip├ži sat─▒n al

  134. Instagram Takip├ži Sat─▒n Al
    Web sitemiz Instagram g├Âr├╝nt├╝leme, be─čeni veya takip├ži sat─▒n alman─▒n ge├žerlili─čini
    sorgularken,
    ilerlemenize yard─▒mc─▒ olacak yararl─▒ bir ara├ž olabilir.

    Instagram takip├ži sat─▒n alman─▒n Instagram’─▒n politikas─▒na ayk─▒r─▒ olabilece─či do─čru de─čildir.

    Instagram takip├ži sat─▒n almaya karar verdi─činizde, Burn Medya Instagram hizmetlerini sa─člayacak bir web sitesidir.

    T├╝m ─░┼člemlerinizi basit bir ┼čekilde yapabilirsiniz.

    instagram takip├ži sat─▒n al

  135. Takip├žileri organik olarak nas─▒l art─▒rabilirim?
    Burn Medya olarak sizlere ger├žek takip├ži sat─▒n almak konusunda sorunsuz bir
    ┼čekilde profesyonel ve
    kaliteli hizmet vermekteyiz.Ger├žek takip├žiler botlardan daha iyi sonu├ž verir, bu nedenle amac─▒n─▒z
    takip├ži
    sat─▒n ald─▒─č─▒n─▒z─▒ daha az belirgin hale getirmek olmal─▒d─▒r.Se├žti─činiz hizmet,
    daha ger├žek├ži g├Âr├╝nmesi i├žin bir anda de─čil, kademeli olarak b├╝y├╝melidir.

    ger├žek takip├ži sat─▒n al

  136. Takip├žilerimden etkile┼čimi nas─▒l art─▒rabilirim?
    Burn Medya, Instagram i├žin be─čeni ve yorum alman─▒za yard─▒mc─▒ olan paketlere sahiptir.

    Bununla birlikte Instagram takip├ži sat─▒n al etkile┼čim kurmay─▒ daha
    kolay ve e─členceli hale getiren bir├žok
    ├Âzelli─če de sahiptir. Algoritma karma┼č─▒k olabilir ve s├╝rekli de─či┼čirken,
    Takip├ži say─▒n─▒z, takip├ži sat─▒n al
    kitlenizin boyutunu yans─▒t─▒r. Ancak dahas─▒, takip├ži say─▒s─▒ bir hesab─▒n kalitesine kefil olabilir.

    Bu fenomene sosyal kan─▒t da denir. Birka├ž ipucuyla etkile┼čimi art─▒rmak hala m├╝mk├╝nd├╝r.

    takip├ži sat─▒n al

  137. Bedava hesap i├žin ziyaret etti─činiz bedava hesap sayfam─▒zdan bedava hesap bilgilerine ula┼čabilir, istedi─činiz bedava hesap bilgilerine
    eri┼čebilirsiniz. Bedava hesap sitesi olarak sizlere g├╝ncel bedava hesap bilgilerini sunmaya ├žal─▒┼čmaktay─▒z.
    Sizlerde bedava hesap sitemizi ziyaret ederek hemen bedava hesap detaylar─▒na g├Âz
    at─▒n!

    Neden bedava hesap sitesini tercih etmeliyim?

    Bedava hesap sitemiz sizlere en g├╝ncel bedava
    hesap bilgilerini ula┼čt─▒r─▒r ve g├╝ncel bedava hesap bilgilerini kullanman─▒z─▒ sa─člar.

    Bedava Hesap sitenizdeki t├╝m bedava hesaplar ├žal─▒┼č─▒yor mu?

    Bedava hesap edit├Ârleri olarak sizlere en g├╝ncel ve bedava hesap
    bilgilerini sunuyoruz. Hemen bedava hesap sayfalar─▒m─▒zdan ya da bedava hesap i├žeriklerimize g├Âz
    atabilirsiniz!

    Bedava hesap nedir?

    Bedava hesap ├╝cretli ├╝yelikleri bulunan platformlar─▒n ├╝yeliklerinin ├╝cretsiz olarak payla┼č─▒lmas─▒d─▒r.
    Bedava hesap sayfam─▒z─▒ ziyaret ederek bu ayr─▒cal─▒klardan ├╝cretsiz faydalanabilirsiniz.
    Haydi hemen bedava hesap sitesini ziyaret edin!

    bedava hesap

  138. Bedava Hesaplar – ├ťcretsiz Hesaplar
    Bedava Hesaplar sizin i├žin para vermeden ├ťcretsiz Hesaplar verir, Ger├žek ├žal─▒┼čan Bedava Hesaplar istiyorsan─▒z hemen ├ťcretsiz Hesaplar kategorisine g├Âz at─▒n.

    Neden Bedava Hesaplar – ├ťcretsiz Hesaplar sitesini tercih etmeliyim?

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