Biniyog Bharat - Invidious

Biniyog Bharat

Welcome to Biniyog Bharat — your trusted space for simple, smart, and practical investing. Led by Amit Kauri (B.Tech, Ex-Officer at two PSU Banks, NSDL-certified professional, and Audit Officer with 12+ years at the CAG of India), this channel simplifies the stock market, mutual funds, ETF, IPOs, Gold Silver, retirement planning, personal finance, and long-term wealth-building strategies—helping you make confident and informed investment decisions. Join us to learn smart investing and grow with confidence.

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Biniyog Bharat

Capital Gains after Budget 2026 — Big shift investors can’t ignore

📌 Buybacks = Capital Gains for everyone
➡️ Promoters pay extra: 22% (corporate), 30% (non-corporate)
📌 SGB twist most missed

Only SGBs bought at original issue from RBI stay tax-free at maturity.
Buy from secondary market? ❌ No exemption.

This changes how you view:
• Buyback announcements
• SGB secondary market deals
• Tax-efficient portfolio planning

The message is clear: Govt is closing tax arbitrage.
Invest for returns, not loopholes.
#Budget2026 #CapitalGains #SGB #Investing

1 week ago | [YT] | 2

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Biniyog Bharat

Retirement is everyone’s top worry.
But almost no one is preparing for it. ⚠️

As highlighted by PGIM India Mutual Fund research:

2023 → 67% people had a retirement plan

2025 → Only 37% have one

That’s a huge drop.

Why this is happening (very simple reason)

Retirement feels too far away.

Your mind says:

“I’ll think about it later.”

But later comes fast… and compounding time is gone.

You easily plan for:
🏠 House | 🚗 Car | 💍 Wedding | ✈️ Travel

But not for the 30 years you may live after 60.

Because those goals are visible.
Retirement is blurry.

What people are worried about

Inflation

Rising cost of living

Health expenses

No family support in old age

Yet they don’t act.

This is the gap between worry and action.

What you should do (practical steps)
1) Make retirement real in your head

Ask:

Where will I live?

What monthly income will I need?

How will I pay medical bills?

When it becomes clear, you start acting.

2) Take control mindset

Only a small group believes “my future depends on me.”
They are the ones who plan early.

Don’t leave it to luck.

3) Create multiple income sources for old age

Examples:

SWP from mutual funds

Rental income

Dividends

Pension

Part-time / freelance work

This gives confidence.

4) Take expert help

Even a good plan needs a second opinion:

Are you investing enough?

Is insurance enough?

Is emergency fund ready?

One shocking number

51% people have neither a retirement plan nor any extra income source.

This is risky.

Bottom line

Retirement planning is not about age 60.
It is about what you start at age 25, 30, or 35.

The earlier you start, the easier it becomes.
The later you start, the harder it gets.

Start now. Your future self will thank you.