New income tax rules to come into effect from October 1: What will be the impact on your investments and taxes?
Income tax rules effective from October

New income tax rules to come into effect from October 1: What will be the impact on your investments and taxes?

Increase in Securities Transaction Tax (STT)

Increase in Securities Transaction Tax (STT) ?? On July 23, 2024, Finance Minister Nirmala Sitharaman announced an increase in the Securities Transaction Tax (STT) as part of the Union Budget. The goal is to reduce retail participation in Futures and Options (F&O) trading.

New STT Rates:

  • Options: 0.1% (on premium)
  • Futures: 0.02% (on trade price)

Impact: With higher trading costs, retail investor participation in F&O trading is expected to decline. ??

New TDS Rule on Government Bonds

New TDS Rule on Government Bonds ?? Starting October 1, a 10% TDS (Tax Deducted at Source) will be applied to certain bonds issued by the central and state governments, such as floating rate bonds.

Conditions:

TDS will not be levied on interest amounts below ?10,000.

Impact: Returns on government bonds may be affected, especially for investors relying on interest income from these bonds. ??

New Tax Rule on Share Buybacks

New Tax Rule on Share Buybacks ?? From October 1, capital gains tax will now be applicable on profits earned from share buybacks.

Earlier: Investors were exempt from paying capital gains tax on buybacks.

Impact: This rule may reduce investor participation in share buybacks due to the new tax burden. ??

Aadhaar Enrolment IT Cannot Be Used for PAN Application

Aadhaar Enrolment IT Cannot Be Used for PAN Application ? Aadhaar enrolment IT will no longer be accepted for applying for a PAN (Permanent Account Number) or filing income tax returns.

Purpose: This move is aimed at preventing the misuse of PAN.

Impact: Individuals without a valid PAN or Aadhaar must ensure their Aadhaar details are up to date. ??

Vivaad se Vishwas Scheme 2024 ??

Vivaad se Vishwas Scheme 2024 ?? Launching on October 1, 2024, this scheme aims to settle pending tax disputes.

For Whom: Taxpayers with pending tax-related cases in appellate authorities, High Courts, or the Supreme Court as of July 22, 2024.

Impact: This scheme offers an opportunity for taxpayers to resolve disputes with reduced penalties and interest. ??

These updates will have significant effects on taxpayers, particularly those involved in trading, bond investments, and share buybacks. Stay informed and plan your investments accordingly!

TDS Rates Reduced

TDS Rates Reduced ?? The TDS (Tax Deducted at Source) rates under the following sections have been reduced from 5% to 2% in the Finance Bill:

  • Section 194DA: Payment in respect of life insurance policy
  • Section 194G: Commission on sale of lottery tickets
  • Section 194H: Payment of commission or brokerage
  • Section 194-1B: Payment of rent by certain individuals or HUFs
  • Section 194M: Payment of certain sums by certain individuals or HUFs

Additionally, the TDS rate for e-commerce operators has been reduced from 1% to 0.1%.

Important Change: Section 194F, which deals with payments related to the repurchase of units by a mutual fund or UTI, is proposed to be deleted from October 1, 2024. ????


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Woodley B. Preucil, CFA

Senior Managing Director

2 个月

Pawan Kose Very Informative. Thank you for sharing.

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