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Every year, the Union Budget dominates headlines, trends on social media, and moves the stock market. Yet for most Gen Z Indians, it feels complicated, boring, or meant only for politicians and economists. In reality, the Union Budget quietly shapes your daily money life more than you may realize.
From your first salary and side hustle income to job opportunities, startup dreams, and even trading profits, the Union Budget plays a key role. Let’s break it down in a simple, relatable way.
The Union Budget is the Indian government’s annual financial plan. It explains how the government will earn money and where it plans to spend it in the coming financial year.
Earnings mainly come from taxes like income tax, GST, and corporate tax. Spending includes education, infrastructure, healthcare, defence, digital development, and welfare schemes.
For Gen Z, this means the Budget decides how expensive things become, how much salary you keep, how many jobs are created, and how strong financial markets remain.
If you are a student entering the workforce, a young professional, or a freelancer, tax policy matters. Changes in income tax slabs or standard deductions directly affect how much of your earnings stay in your bank account.
For example, recent budgets focused on simplifying the new tax regime, making it easier for first-time earners to calculate taxes without complex exemptions. This helps Gen Z professionals manage money without needing expert help from day one.
India has one of the youngest populations in the world. That makes job creation a major budget priority. Budget allocations toward infrastructure, manufacturing, digital services, and green energy often translate into more hiring.
Government spending on skilling initiatives, digital education, and emerging technologies like AI and data analytics directly supports Gen Z career growth. If you are planning a career in tech, finance, or entrepreneurship, budget priorities often indicate where future opportunities will emerge.
Gen Z is known for side hustles, creator income, and startup ambitions. Budget announcements related to MSMEs, startups, and digital businesses affect access to funding, credit, and tax relief.
For instance, measures like easier compliance, credit guarantees for small businesses, and incentives for innovation help young entrepreneurs turn ideas into scalable ventures. Even gig workers and freelancers benefit from clearer taxation and digital infrastructure support.
On Budget Day, the Indian stock market often sees sharp moves. Indices like the Nifty and Sensex react to changes in taxation, government spending, and sector-specific announcements.
A higher push for infrastructure may benefit capital goods and cement stocks. Increased focus on digital services and finance often boosts fintech and banking stocks. Traders closely track budget speech highlights to identify short-term and long-term opportunities.
If you trade or invest, the budget influences market sentiment. Changes in capital gains tax, securities transaction tax, or regulatory clarity can affect trading strategies.
This is where choosing the right brokerage matters. Platforms like Swastika Investmart, a SEBI-registered broker, provide strong research tools, market insights, and real-time support that help traders navigate volatile budget sessions with confidence.
Government spending and borrowing influence inflation. If inflation stays under control, essentials like food, fuel, and housing remain affordable. For Gen Z managing rent, EMIs, or daily expenses, this stability is crucial.
Budget measures aimed at supply chain improvement, agriculture, and logistics help control price rises over time. While these changes are not always immediate, they shape long-term affordability.
India’s financial system operates under regulators like SEBI and RBI. Budget announcements often reinforce regulatory stability, which builds trust among investors.
A stable regulatory environment attracts domestic and global investors, supporting market growth. This benefits everyone participating in equities, mutual funds, or derivatives.
Gen Z is digitally native, and budgets increasingly support digital payments, online compliance, and fintech innovation. This makes investing, trading, and managing money faster and more transparent.
Tech-enabled platforms offered by brokers like Swastika Investmart align well with this digital shift, offering seamless account access, research-backed decisions, and investor education resources.
On recent Budget Days, sectors like PSU banks, infrastructure, and manufacturing saw strong intraday moves based on policy signals. Traders who followed expert research and pre-budget analysis were better positioned to manage volatility.
This highlights the importance of research-driven trading instead of emotional reactions, especially during major economic events.
Yes. It affects job creation, education funding, market opportunities, and future earning potential.
Often yes. Markets react instantly to policy announcements, especially in key sectors.
Through credit support, digital infrastructure, simplified compliance, and targeted incentives.
Not impulsively. Budget insights should guide informed decisions, backed by research.
The Union Budget is not just a political event. It is a roadmap that influences your income, career, investments, and financial stability. Understanding it early gives Gen Z a clear advantage in planning careers, managing money, and building wealth.
With the right guidance, tools, and research support, budget volatility can turn into opportunity. Swastika Investmart, a SEBI-registered brokerage with strong research capabilities, tech-enabled investing platforms, and dedicated customer support, helps young traders and investors navigate India’s evolving markets with confidence.
If you are ready to take control of your financial journey, now is the right time to start.
The Company was founded on August 24, 1910, and it was named Imperial Tobacco Company of India Limited. As the Company's possession gradually Indianised, the call of the Company was to modify its name to India Tobacco Company Limited in 1970 after which it got converted to I.T.C. Limited in 1974. Currently, its CEO is Mr Sanjiv Puri.
In reputation of the ITC's multi-commercial enterprise portfolio encompassing a huge variety of businesses such as Branded Packaged Foods, Personal Care, Education and Stationery, Agarbattis & Safety Matches, Lifestyle Retailing, Cigarettes & Cigars, Hotels, Paperboards & Specialty Papers, Packaging, Agri-business & IT. The Company now stands as ITC Limited.
FMCG - Total70.59%Hotel1.25%Agri Business15.14%Paperboards, Paper and Packaging8.61%IT & Others4.41%
It is the strategic goal of ITC to achieve long-term growth through synergy and combining the numerous pools of skills resident in its many firms to leverage new possibilities in the field of FMCG.
Some of the marks in ITC that have achieved considerable market prestige among consumers include Aashirvaad, Sunfeast, Bingo!, YiPPee!, Candyman, Mint-o & Kitchen of India in the Branded Packaged Foods area; Essenza Di Wills, Fiama, Vivel and Superia in the Personal Care product segment.
ITC selected the Hotels Commercial Enterprise for its capability to earn excessive ranges of overseas exchange, create tourism infrastructure and generate huge scale direct and oblique employment.
In 1975, the Company released its Hotels commercial enterprise with the purchase of a lodge in Chennai which became popular renamed now as My Fortune, Chennai. Since then ITC's Hotels commercial enterprise has grown to occupy a function of leadership, with over one hundred owned and controlled houses unfold throughout India, below 4 manufacturers namely, ITC Hotels - Luxury Collection, WelcomHotels, Fortune Hotels and WelcomHeritage.
ITC established the Agri-Business Division for the export of agricultural products, also in 1990 by utilizing its agri-sourcing expertise. Today the Division is a major exporter of India.
In 2000, ITC started with soy farmers in Madhya Pradesh the innovative and well-accepted e-Choupal programme. It now covers 10 countries encompassing over 4 million farmers. Vertical agri-duty services focused on increasing agricultural yield and enhancing the farming community interaction.
ITC provide a wide range of industrial requirements - ranging from cigarette papers and components to FMCG cartons and insulation papers to organic barrier coatings, from laminate ornamental base to writing and printing papers and many other things.
The ITC covers the whole gamut of panels - from 100% virgin, renewable and sustainable food-grade plates to 100% recycled plates.
The business offers a full line of products that turn paper, paper and film into consumer brand products with three existing production units in Tiruvottiyur near Chennai (south), Haridwar (north) and Munger in Bihar (east) certified to ISO 9001, ISO 14001 and ISO 45001, and is a "One Stop Store for Packaging." The company is set up in Nadiad, Gujarat with a Greenfield company to meet West India's regional requirements.
ITC Infotech focuses on deep and differentiated capacity development. In its speciality segments, the firm was successful and continues to acquire a competitive advantage to enhance its market position. The enterprise is devoted to creating a culture of innovation and enabling each employee to become its brand ambassador.
Sansera Engineering is an engineering-led integrated producer of complicated and crucial precision designed components.
They manufacture and provide a comprehensive range of quality forged and machined components comprising of connecting rods, rocker arms, crankshafts, stem comps, and forged Aluminium parts for vertical two-wheelers, passenger automobiles, and commercial vehicles' engine, gearbox, suspension, brakes, chassis, and other systems and assemblies for the automobile industry.
The firm manufactures and sells precise components for aerospace, off-road, agriculture, and other industries, including engineering and capital goods, in the non-automotive industry.
Sansera Engineering's initial public offering (SME IPO) subscription has started on Tuesday, September 14, 2021. It will end on Thursday, September 16, 2021. The business plans to raise 1283 crores through an initial public offering (IPO) with a price range of 734 to 744 rupees.
The IPO's minimum bid is 20 shares, which costs Rs. 14,880 per lot. According to the RHP papers, employee investors will receive a 36 per cent discount per equity share.
The company's initial public offering of 17,244,328 equity shares is an offer for sale (OFS) by current shareholders and promoters. In the grey market, it charges a premium of Rs 70.
Sansera Engineering IPO details Subscription Dates14 – 16 September 2021 Price Band INR734 – 744 per share Fresh issue Nil Offer For Sale17,244,328 shares (INR1,265.73 – 1,282.98 crore)Total IPO size17,244,328 shares (INR1,265.73 – 1,282.98 crore)Minimum bid (lot size)20 shares Face Value INR2 per share Retail Allocation 35% Listing On NSE, BSE
The allocation for the investors is in the following manner. The retail institutional investors of this IPO is 35%, the QIB portion is 50%, and the HNI portion is 15%.
Automotive generated 88.45 per cent of sales in FY21, while non-automotive contributed 11.45 per cent. India accounts for around 65 per cent of the company's income, with the remaining 35 per cent coming from other nations. The firm is a leading provider of connecting rods all around the world. The firm has 15 production facilities in India, with nine of them in Bangalore.
In FY21, the average capacity utilization across its manufacturing units fell from 69 per cent in FY19 to 49 per cent. It was able to profit from its product range and product mix diversity.
In FY21, sales in India accounted for 64.98 per cent of SEL's total income, while international sales accounted for 35.02 per cent. Sansera was able to retain a better EBITDA margin than its counterparts in the car components business.
The company is showing growth in profit in the last 3 years where we saw a minor dip in FY20 on the back of COVID-19. Profits of the company have grown at a CAGR of 3.86% from Rs 980 cr to Rs 1098 cr over the period of FY19 to FY21, while revenue declined by 4.35% from Rs 16,408.09 cr to Rs 15,723.64 cr over the period of FY19 to FY21.
According to our Senior research analyst at Swastika Investmart, at the upper band of INR 744, the issue is valued at P/E 35(x) to its FY21 EPS of INR 21.02. The casting and forging business is expected to grow at a pace of 13%44% as compared to 5%-7% currently which is going to be lead by the efforts made by govt to rejuvenate the economy on the back of Make in India.
A big push is expected from infrastructure, oil and gas, mining, railways, and defence sectors also the attraction of Electric Vehicles will provide a boost in the industry.
The IPO is attractively priced, however, there are many listed and well-reputed players in the industry also the issue is purely OFS based. Thus, we assign an "AVOID" rating to the IPO.
अमेरिकी डॉलर में तेज़ी रहने से कीमती धातुओं के भाव में दबाव है। सोना में ऊपरी स्तरों पर दबाव रहने से इसकी ऊपर बढ़ने की गति कम हो गई है और इसकी बढ़त ऊपरी स्तरों पर टिक नहीं रही है । अमेरिकी डॉलर की मजबूती के दौर में कॉमेक्स सोना पिछले सप्ताह में करीब 2 प्रतिशत की गिरावट के साथ 1799 डॉलर प्रति औंस पर आ गया है।
घरेलु वायदा सोना 1.25 प्रतिशत टूट कर 46930 रुपये प्रति दस ग्राम के स्तरों पर है। पिछले सप्ताह अमेरिकी रोज़गार की रिपोर्ट ठीक रही लेकिन देश में कोवीड-19 दैनिक मामलों और मौतों की लगातार बढ़ती संख्या चिंता का विषय बनी हुई है जो कीमती धातुओं के भाव को सपोर्ट करती है। एशिया पैसिफिक, चीनी मुद्रास्फीति के आंकड़े, जिसके अनुसार उपभोक्ता मूल्य सूचकांक अगस्त में महीने-दर-महीने 0.1 प्रतिशत और साल-दर-साल 0.8 प्रतिशत बढ़ा है।
उत्पादक मूल्य सूचकांक साल-दर-साल 9.5 प्रतिशत बढ़ा है। मिले जुले आंकड़े होने से कीमती धतुओं के भाव सीमित दायरे में बने हुए है। इस बीच, वर्ल्ड प्लेटिनम इन्वेस्टमेंट काउंसिल (डब्ल्यूपीआईसी) ने गुरुवार को पूर्वानुमान लगाया है की वैश्विक प्लेटिनम बाजार इस साल पर्याप्त आपूर्ति में होगा क्योंकि खदान की आपूर्ति में तेजी आई है और निवेश की मांग में गिरावट आई है।
यूरोपीय सेंट्रल बैंक ने गुरुवार को अपनी मौद्रिक नीति को अपरिवर्तित रखा, लेकिन अपने महामारी आपातकालीन खरीद कार्यक्रम के तहत शुद्ध संपत्ति खरीद की गति को धीमा करने का विकल्प चुना है। यूरो क्षेत्र की मुद्रास्फीति अगस्त में एक दशक के उच्च स्तर 3 प्रतिशत पर पहुंच गई और यूरो क्षेत्र के 19-सदस्यीय आम मुद्रा ब्लॉक में जीडीपी दूसरी तिमाही में 2 प्रतिशत बढ़ गई, जो अर्थशास्त्री अपेक्षाओं को बढ़ा रही है।
इस सप्ताह कीमती धातुए सीमित दायरे में रह सकती है। सोने में 46400 रुपये पर सपोर्ट है और 48000 रुपये पर प्रतिरोध है। दिसंबर वायदा चांदी में 62500 रुपये पर सपोर्ट और 66500 रुपये पर प्रतिरोध है।
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