Union Budget 2021: Are you richer or poorer? Here’s the bottomline

2021年联邦预算：你更富了还是更穷了?

NEW DELHI: No change in tax rates or slabs means that your income tax payout is, for most people, unaffected by this Budget. But if your salary’s high or you use voluntary provident fund (VPF) contributions, there’s a bit of bad news for you.

新德里：对大多数人来说，税率不变意味着所得税支出不受这个预算的影响。如果你的工资很高，或者你使用了自愿公积金缴纳(VPF)，那么对你来说，有一个坏消息。

Because if your PF contribution is above Rs 2.5 lakh annually, interest earned on the additional amount will be taxable. So, let’s say you have an annual salary income of Rs 50 lakh.

Typically, about half or Rs 25 lakh would be your basic salary. Your contribution to PF at 12% of basic pay would be Rs 3 lakh. Earlier, the interest earned on all of it would be tax exempt.

如果你一年缴纳的公积金超过25万卢比，那么额外收入的利息将被征税。假设你的年收入为500万卢比，通常，你的基本工资约为250万卢比。你缴纳的公积金为基本工资的12%，即30万卢比。早些时候，这些利息都是免税的。

Now, tax will be payable on the amount above Rs 2.5 lakh, that is on Rs 50,000 in this case. At the current PF interest of 8.5%, that means Rs 4,250 would become taxable.

现在，超过25万卢比部分的要交税，在这个例子中是5万卢比需要征税。按照目前8.5%的税率，这意味着需要纳税4250卢比。

How much tax you end up paying on this depends on what the tax rates and slabs are in the year in which you withdraw the money.

你最终要交多少税取决于你提取的那一年的税率。

One more example: Your total salary is Rs 1 crore and your basic pay Rs 50 lakh. Your PF contribution (at 12%) would be Rs 6 lakh and tax would be payable on interest on Rs 3.5 lakh, that is on Rs 29,750.

再举一个例子：假设你的总工资是1000万卢比，基本工资是500万卢比。你缴纳的公积金是(12%)60万卢比，其中35万卢比的利息要交税，也就是29750卢比要缴税。

印度时报读者的评论：译者：Jessica.Wu

Paranthaman S

Salaried people will start begging now.

工薪阶层现在就要开始乞讨了。

Jagdish Madan

As long as the budget is good for the country and helps recover the economy, personal set backs can be ignored.

只要预算对国家有利并有助于恢复经济，个人的损失可以忽略不计。

Sanjay Roy

People are spending thousands of rupees on liquor, cinema and dng out on monthly basis, but when it comes to paying taxes, everyone start crying and started looking for excuses how to not pay tax.

人们每个月在喝酒、看电影和外出就餐上花费数千卢比，但一提到纳税，大家就开始哭穷，开始找不纳税的借口。

Trouble Shooter

Please ask farmers who earn above Rs 10 lakhs to pay income tax

请让收入超过100万卢比的农民缴纳所得税

Krishna Kumar

This govt did the best to salaried class/middle class by giving 4 months moratorium during lockdown. Middle class has disposable surpluses now. Secondly RBI reduced the repo rates and that in turn reduced the interest rates for home loans.

这届印度政府对工薪阶层/中产阶级尽力了，在封锁期间免了4个月的税。中产阶级现在有了可支配的盈余资金。其次，印度央行降低了回购利率，进而降低了住房贷款利率。

Ranchhodlal Shah

one of the best budget for the country

don't be selfish

这是最好的预算之一

大家不要那么自私

Amit Kapoor

...AND MORE IMPORTANTLY, THE BUDGET IS GOOD FOR THE COUNTRY AT THIS STAGE AFTER A LOUSY YEAR, ECONOMYWISE!

更重要的是，从经济角度来看，在经历了糟糕的一年之后，这个预算对现阶段是有好处的!

Indian Human

Madam again prooves that she is incapable. Looks like Modiji want to keep a scape goat and when election is near by he will fire madam and bring a new face... corporates happy , party happy and foolish voters also happy

西塔拉曼再次证明她的无能。看起来莫迪姬想留下替罪羊，当选举临近时，他会炒掉这位女士，换个新面孔…企业高兴，政党高兴，愚蠢的选民也高兴

Guest

Honest Tax Payers taken for a ride again!

诚实的纳税人又被骗了!

Iron Dome

Why is that dumb lady smiling? Does she even know ABC of economics.. She is happyy as if she has been awarded the charge of world bank.

为什么那个蠢女人在笑?

她懂经济学基础知识吗?

她很高兴，搞得好像她被任命为世界银行行长一样。

EKachra

How many get paid Rs 1.73 lakhs per month after taxes & deductions? Joke

有多少人每月能拿到17.3万卢比的工资?

笑话

India First

Remember Feku-nomics will only benefit the very rich.

记住，莫迪经济学只会让富人受益。

Kuldeep Singh

devil Pm and Fm

魔鬼总理，魔鬼财政部长

Gary S

A Taxpayer - Always poorer, spineless, helpless, zero say in govt affairs, zero benefits in return

纳税人，总是越来越穷、没骨气、无助，在政府事务上没有发言权，没有回报

V

Poor stay poor. Even middle class who vote for NDA BJP feel cheated now.

穷人永远穷。就连投票给人民党的中产阶级现在也觉得被骗了。

Subbarayan Radhakrishnan

Most of salaried people earn less than even Rs. 50 lakhs per year

So tax on PF interest shall not be an issue,for majority

大多数工薪阶层的年收入低于500万卢比

因此，对大多数人来说，利息税不是问题

Biranchi Narayan Acharya

Rs 50 lac per anum salaried persons is not middle class.

年薪500万卢比的人不属于中产阶级。

Ram

Appart from electricity whatever I use is daily life is costlier

除了电，我日常生活中使用的东西都更贵了

Common

Don't know whether we are rocher or poorer but we know we have been fooled and betrayed time to time not only by this but all Governments. Middle class has been treated as punching bag

不知道我们是更富还是更穷了，

我们一次又一次地被愚弄和背叛，不仅是被本届印度政府愚弄，还被之前的印度政府忽悠了。

印度中产阶级一直被当作出气筒

Khyati Kothari

This is pretty evident govt wants to tax on everything in phases and the target is salary class

很明显，印度政府想分阶段对所有东西征税，目标是工资阶层