Budget Takeaways: A Note to Self

• Opting for old regime as HRA + 80C > 4.5L? Then no change in tax
• Opting for the New Tax Regime? That’s a ₹17,500 saving.
• Retirement savings are taking a hit as LTCG tax rises to 12.5%. Time to revisit those spreadsheets.

Bottom line: Best case scenario? I’m ₹17,500 richer. Not sure if it was worth the hour spent listening to the budget speech.