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Month: February 2025

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Key Highlights from Budget 2025 – Impact on You

The Union Budget 2025 has introduced several key reforms aimed at boosting middle-class savings, enhancing economic growth, and simplifying taxation. Below is a quick summary of how it may impact you:

1. Income Tax Reforms

  • Increased Tax Exemption Limit: Under the new tax regime, individuals with taxable income up to ₹12 lakh are eligible for a tax rebate. Including the standard deduction of ₹75,000, salaried individuals earning up to ₹12.75 lakh will not have to pay any tax.

  • New Income Tax Bill to be introduced, simplifying tax laws by nearly half.

  • TDS & TCS Updates:

    1. TDS on senior citizens’ interest income above ₹1 lakh.

    2. TDS on rent applicable only above ₹6 lakh.

    3. TCS on sales removed.

    4. Higher threshold limits for TCS on LRS remittances and education loans.

  • File Past IT Returns for 4 Years – Extended window for tax compliance.

  • Tax benefit under new regime:

2. Investments & Business Growth

  • Capital Gains & Savings: Tax exemption for withdrawals from the National Savings Scheme.

  • MSME Support:

    • Investment limits increased by 2.5x and turnover limits doubled for MSME classification.

    • Enhanced credit guarantee cover for MSMEs & startups.

  • New ₹10,000 Crore Fund for Startups to support innovation and entrepreneurship.

 

3. Mutual Funds and Investment Income

  • Higher TDS Threshold on Dividends: The threshold limit for Tax Deducted at Source (TDS) on mutual fund dividend income has been increased from ₹5,000 to ₹10,000. Investors with dividend income up to ₹10,000 will now face no TDS.

4. National Pension System (NPS) for Minors

  • NPS Vatsalya Scheme: A new pension scheme for minors, NPS Vatsalya, has been introduced. Parents can invest up to ₹50,000 per annum in this scheme and avail tax deductions under Section 80CCD, similar to the regular NPS account.

     

5. Real Estate Benefits

  • Tax Relief on Second Home: Individuals can now own up to two self-occupied properties without any taxation on the second house, which was previously considered a let-out property for tax purposes.

6. Simplified KYC Process

  • Central KYC Registry: The government plans to implement a simplified Know Your Customer (KYC) regime and roll out a central KYC registry by 2025, easing the compliance process for investors.

7. Cost of Living & Household Benefits

  • Urban Development:

    • ₹1 Lakh Crore Urban Challenge Fund to improve city infrastructure and services.

    • Jal Jeevan Mission extended till 2028 to ensure clean tap water for all households.

  • Healthcare:

    • Plan to set up a cancer hospital in every district.

    • 75,000 new medical seats in the next 5 years.

8. Employment & Industry Growth

  • Footwear, Leather & Toy Industry Boost: New schemes expected to generate 22 lakh+ jobs.

  • Manufacturing & Skilling:

    • 5 National Centres of Excellence for skilling in manufacturing.

    • Expansion of IITs to accommodate 6,500+ more students.

  • Women & SC/ST Entrepreneurs: New scheme for 5 lakh first-time entrepreneurs.

9. Infrastructure & Economy

  • Major Infrastructure Investments:

    • ₹1.5 Lakh Crore outlay for 50-year interest-free loans for PPP projects.

    • Focus on roads, railways, and energy transition (100 GW nuclear energy by 2047).

  • Tourism & Medical Travel:

    • Promotion of “Heal in India” medical tourism sector.

    • Mudra loans to be extended to homestay businesses.

10. Insurance Sector Enhancements

  • Increased FDI Limit: The government has raised the Foreign Direct Investment (FDI) limit in the insurance sector to 100%, potentially leading to greater investment and product offerings.

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Lessons from Jeff Bezos: A Framework for Success

In our mission to safeguard and grow your wealth, we draw inspiration from visionary leaders like Jeff Bezos, whose principles have made Amazon a global powerhouse.

 

Below are key lessons we can apply to your financial journey, illustrated with metrics from Amazon’s history:

1. Think Long Term
Amazon has always emphasized long-term value over short-term gains. For instance, despite incurring losses early on, Amazon’s focus on market leadership and strategic investments resulted in annual revenues exceeding $386 billion by 2020. Similarly, our strategies are designed to build sustainable wealth over decades, not just years.

2. Do What’s Right, Even If Unpopular
Amazon faced skepticism when it invested heavily in infrastructure and new categories. In 2000, the company grew international sales to $381 million despite market uncertainty. Similarly, we make decisions based on your best interests, even when they may seem counterintuitive during volatile market conditions.

3. Customer-Centric Focus
Bezos emphasized that “obsessing over customers” drives success. By 1999, 73% of Amazon’s orders came from repeat customers. Our approach mirrors this ethos: we prioritize your financial goals, customizing strategies to align with your unique needs.

4. Innovate to Sustain
Amazon’s constant innovation, like introducing AWS in 2006, added a new revenue stream that accounted for $45 billion in 2020. For you, we continually explore innovative investment solutions to sustain and grow your portfolio in an ever-evolving market.

5. Cash Flow is King
Bezos famously said, “When forced to choose between optimizing the appearance of our GAAP accounting and maximizing cash flows, we’ll take cash flows.” Amazon generated $477 million in free cash flow in 2004, a 38% year-over-year growth. Similarly, we prioritize liquidity and cash flow in your investments to ensure resilience during market fluctuations.

6. Embrace Risks with Precision
Amazon’s bold decisions, such as expanding into international markets, paid off significantly, with non-U.S. sales reaching $358 million in 1999. Our calculated risk-taking ensures your portfolio is positioned to capitalize on emerging opportunities while managing potential downsides.

7. Learn from Failures
Amazon’s ventures, like its early investments in Pets.com, taught the company valuable lessons. Despite setbacks, Amazon leveraged these experiences to refine its business model, ultimately leading to its dominance. We adopt a similar mindset, viewing challenges as opportunities for growth and adaptation.

8. Efficiency Drives Growth
Amazon achieved inventory turnover rates of 16 times annually by 2001, significantly optimizing its operations. Likewise, we focus on efficient portfolio management, minimizing costs to enhance your investment returns.

Amazon’s gross margin has expanded by almost 1,900 (!!!) basis points over the last decade.

9. Stay Flexible in Execution
Amazon’s rapid response to evolving markets—like launching Prime in 2005—helped secure its competitive edge. Our flexible investment strategies adapt to changing economic conditions to keep your financial plans on track.

10. Build Trust Through Transparency
Bezos prioritized transparency, regularly appending Amazon’s original 1997 shareholder letter to highlight its long-term approach. We believe in the same principle, maintaining open communication and clear reporting to foster trust and confidence.

At Onesta Capital Ventures, we aim to embody these principles to ensure resilience, growth, and innovation in your financial journey. Thank you for trusting us as your partner in building lasting wealth.

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What NOT to Do in the Market Right Now!

The Indian equity markets have been on a rollercoaster for the past few months:

Nifty 50 is down 14%
Nifty Midcap is down 18%
Smallcap index is down 19% from all-time highs

For new investors, this might feel unsettling, but here’s the truth: Market corrections of 15-20% are normal. Every dip in history has been followed by a recovery to new highs.

Why Is This Happening?

 

🔹 Aggressive FII selling (₹3 lakh crore pulled out of Indian markets)
🔹 Sudden rise in the Dollar Index
🔹 Potential tariff threats in the US
🔹 Money flowing towards undervalued Chinese markets

 

But nothing is permanent—markets always rebound. The key is to stay calm and avoid common mistakes.

7 Things You Should NOT Do Right Now

❌ 1. Panic Selling

Selling in fear locks in losses and stops you from benefiting when the market recovers. In the last 25 years, aggresive FII selling has just presented an opportunity for a patient investor.

❌ 2. Ignoring Your Investment Plan

Market cycles are normal. If you started your SIP in 2024 for 10 years, your returns might look negative now—but remember, lower NAV means you accumulate more units at cheaper prices!

❌ 3. Trying to Time the Bottom

No one can predict the exact bottom. Instead, stick to SIPs (Systematic Investment Plans) and dollar-cost averaging to benefit over time.

❌ 4. Taking Excessive Risks

Overleveraging or making high-risk bets to recover losses can backfire. Protect your capital.

❌ 5. Stopping Investments Completely

A bear market is when great opportunities emerge. Keep investing systematically to take advantage of lower prices.

❌ 6. Ignoring Diversification

A concentrated portfolio is risky. Spread your investments across sectors and asset classes to reduce risk and improve stability.

❌ 7. Forgetting the Market’s Long-Term Growth

History proves that markets always recover and grow over time. A bear market is temporary, but bad investment decisions can have long-term consequences.

Onesta Capital Ventures is a Multi Family Office based out of Gurugram (India). We aim to provide tailored independent wealth management and other family governance solutions to individuals and corporates.

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