The key highlights of the Union Budget 2012-13, presented by Finance Minister Pranab Mukherjee in the Parliament on Friday are as follows :
* Tax burden for individuals to come down :
Income tax exemption limit raised from Rs. 1,80,000 to Rs. 2,00,000; 10 per cent tax for 2-5 lakh income; 20 per cent for 5-10 lakh and 30 per cent beyond Rs. 10 lakh; Savings bank account interest up to Rs. 10,000 exempted from tax.
* Many services and goods to cost more:
No change in corporate tax rate, but standard rate of excise duty, as also service tax rates, raised from 10 per cent to 12 per cent; No change in peak customs duty of 10 per cent on non-agri goods.
* Large cars, imported bicycles, cigarettes, bidis and some imported jewellery to cost more; branded silver jewellery may get cheaper.
* Boost for capital markets: Securities Transaction Tax on cash delivery reduced by 25 per cent to 0.1 per cent; A new Rajiv Gandhi Equity Saving Scheme to allow income tax deduction to retail investors in stocks.
* Economy expected to gain ground: GDP growth rate pegged at 7.6 per cent in 2012-13; Subsidy Expenditure to be checked and higher tax revenues targeted; Rs. 30,000 crore to be raised from disinvestment.
* Capital boost to financial and infrastructure sectors : Rs. 15,888 crore to be provided for capitalisation of public sector banks and financial institutions; Infrastructure investment of Rs. 50 lakh crore in 12th period, with half from private sector; Tax free bonds of Rs. 60,000 crore to be allowed for financial infrastructure projects.
* Fight against black money: White paper on black money in current session of Parliament; Introduction of compulsory reporting requirement for assets held abroad; tax collection at source on high-value cash purchase of bullion, jewellery, immovable property and trading in coal, lignite and iron ore.
* Greater scrutiny of closely-held companies for funds; Taxation of unexplained money, credits, investments, expenses at highest rate of 30 per cent irrespective of income slab.
* Tax reforms: Direct Taxes Code (DTC) at earliest; GST network to be operational by August 2012; Central Excise and Service Tax being harmonized. A General Anti-Avoidance Rule (GAAR) to be introduced to counter aggressive tax avoidance.
* Attracting foreign funds: Efforts on to allow FDI in multi-brand retail and permitting foreign airlines invest in domestic players; External borrowings to the extent of USD one billion for aviation companies; Qualified Foreign Investors to get access to corporate bond market.
* Tax relief for stressed sectors: Sectors like agriculture, infrastructure, mining, railways, roads, civil aviation, manufacturing, health and nutrition, and environment to get duty relief; Turnover limit for compulsory tax audit for SMEs raised from Rs 60 lakh to Rs 1 crore.
* Farming for growth: Target for agricultural credit raised to Rs 5,75,000 crore; Interest subvention for short-term crop loans to farmers at 7 per cent interest continues; additional 3 per cent for prompt paying farmers.
Financial Highlights of Budget 2012-12:
* Direct proposals to give in net revenue loss of Rs. 4,500 crore and net gain of Rs. 45,940 crore from indirect taxes, resulting into a net gain of Rs. 41,440 crore.
* Fiscal deficit targeted at 5.1 per cent of GDP in 2012-13, down from 5.9 per cent in 2011-12; Central Government debt at 45.5 per cent of GDP.
* Total expenditure budgeted at Rs. 14,90,925 crore; plan expenditure at Rs. 5,21,025 crore, 18 per cent higher than 2011-12 budget; non-plan expenditure at Rs. 9,69,900 crore.
* Gross Tax Receipts estimated at Rs.10,77,612 crore, 15.6 per cent higher than original budget estimates and 19.5 per cent over the revised estimates for 2011-12.
* Net tax to the Centre in 2012-13 estimated at Rs. 7,71,071 crore; Non-Tax Revenue Receipts estimated at Rs. 1,64,614 crore and Non-debt Capital Receipts at Rs. 41,650 crore.
* Total expenditure for 2012-13 budgeted at Rs. 14,90,925 crore, including Rs. 5,21,025 crore of Plan Expenditure and Rs. 9,69,900 crore as Non-Plan Expenditure.
* Defence services get Rs. 1,93,407 crore; any further requirement to be met
Sources : The Hindu
RAIL BUDGET 2012-13 HIGHLIGHTS
An increase in passenger fares across all classes, more than 100 new trains, enhanced frequency or routes for many others, and plans to hire more than one lakh employees were some of the key Rail Budget proposals made on Wednesday.
Presenting the annual Rail Budget for the financial year 2012-13 in Parliament on wednesday, Railway Minister Dinesh Trivedi made following key proposals:
*Passenger fares to be hiked by 2 paise per km for suburban and ordinary second class travel; 3 paise per km for mail/ express second class; 5 paise per km for sleeper class; 10 paise per km for AC chair car/AC 3-tier and First Class; 15 paise per km for AC 2-tier and 30 paise per km for AC 1-tier.
*Minimum fare and platform tickets to cost Rs 5.
*75 new Express trains to be introduced, along with 21 new passenger services, nine DEMU services and 8 MEMU services trains.
*Route of 39 trains to be extended and frequency of 23 trains to be increased.
*Railways to hire more than one lakh employees in 2012-13; 80,000 persons hired last year.
*Indian Railways Stations Development Corp to be set up to re-develop stations and maintain them like airports.
*To set up an independent Railway Safety Authority as a statutory body.
* The open discharge toilets on trains to be replaced with green (bio) toilets.
*All unmanned level crossings to be abolished in next five years; To target zero deaths due to rail accidents.
*To provide rail connectivity to neighbouring countries, a new line from Agartala to Akura in Bangladesh to be set up.
*Double-decker container trains to be introduced.
*Steps to improve cleanliness and hygiene on trains and stations within six months. A special house keeping body to be set up to take care of both stations and trains.
*New passenger services include escalators at major stations, alternative train accommodation for wait-listed passengers, laundry services, AC lounges, coin/currency operated ticket vending machines.
*Two new members, one for marketing, and other for safety, to be inducted into Railway Board.
*On board passenger displays indicating next halt station and expected arrival time to be introduced.
*Introduction of regional cuisine; Book-a-meal scheme to provide meals through SMS or email.
*Specially designed coaches for differently-abled persons to be provided in each Mail/Express trains.
*Railway Tariff Regulatory Authority to be considered.
*National High Speed Rail Authority to be set up; Pre-feasibility studies on six high speed corridors completed; study on Delhi-Jaipur-Ajmer-Jodhpur to be taken up in 2012-13.
*Wellness programme for railway staff at work places.
*Institution of ‘Rail Khel Ratna’ Award for 10 rail sportspersons every year.
*A wagon factory at Sitapali, Odisha, rail coach factory at Palakkad, two additional new coach manufacturing units in Kutch (Gujarat) and Kolar (Karnataka); component factory at Shyamnagar (West Bengal); new coaching terminal at Naihati, the birth place of Bankim Chandra Chattopadhyay.
*Freight loading of 1,025 MT targeted; 55 MT more than 2011—12; Passenger growth targeted at 5.4 per cent.
*Passenger earnings to increase to Rs 36,200 crore.
*Gross rail traffic targeted to increase by Rs 28,635 crore to Rs 1,32,552 crore in 2012—13
Sorces : Hindu
Presenting the annual Rail Budget for the financial year 2012-13 in Parliament on wednesday, Railway Minister Dinesh Trivedi made following key proposals:
*Passenger fares to be hiked by 2 paise per km for suburban and ordinary second class travel; 3 paise per km for mail/ express second class; 5 paise per km for sleeper class; 10 paise per km for AC chair car/AC 3-tier and First Class; 15 paise per km for AC 2-tier and 30 paise per km for AC 1-tier.
*Minimum fare and platform tickets to cost Rs 5.
*75 new Express trains to be introduced, along with 21 new passenger services, nine DEMU services and 8 MEMU services trains.
*Route of 39 trains to be extended and frequency of 23 trains to be increased.
*Railways to hire more than one lakh employees in 2012-13; 80,000 persons hired last year.
*Indian Railways Stations Development Corp to be set up to re-develop stations and maintain them like airports.
*To set up an independent Railway Safety Authority as a statutory body.
* The open discharge toilets on trains to be replaced with green (bio) toilets.
*All unmanned level crossings to be abolished in next five years; To target zero deaths due to rail accidents.
*To provide rail connectivity to neighbouring countries, a new line from Agartala to Akura in Bangladesh to be set up.
*Double-decker container trains to be introduced.
*Steps to improve cleanliness and hygiene on trains and stations within six months. A special house keeping body to be set up to take care of both stations and trains.
*New passenger services include escalators at major stations, alternative train accommodation for wait-listed passengers, laundry services, AC lounges, coin/currency operated ticket vending machines.
*Two new members, one for marketing, and other for safety, to be inducted into Railway Board.
*On board passenger displays indicating next halt station and expected arrival time to be introduced.
*Introduction of regional cuisine; Book-a-meal scheme to provide meals through SMS or email.
*Specially designed coaches for differently-abled persons to be provided in each Mail/Express trains.
*Railway Tariff Regulatory Authority to be considered.
*National High Speed Rail Authority to be set up; Pre-feasibility studies on six high speed corridors completed; study on Delhi-Jaipur-Ajmer-Jodhpur to be taken up in 2012-13.
*Wellness programme for railway staff at work places.
*Institution of ‘Rail Khel Ratna’ Award for 10 rail sportspersons every year.
*A wagon factory at Sitapali, Odisha, rail coach factory at Palakkad, two additional new coach manufacturing units in Kutch (Gujarat) and Kolar (Karnataka); component factory at Shyamnagar (West Bengal); new coaching terminal at Naihati, the birth place of Bankim Chandra Chattopadhyay.
*Freight loading of 1,025 MT targeted; 55 MT more than 2011—12; Passenger growth targeted at 5.4 per cent.
*Passenger earnings to increase to Rs 36,200 crore.
*Gross rail traffic targeted to increase by Rs 28,635 crore to Rs 1,32,552 crore in 2012—13
Sorces : Hindu
Key Features of the Union Budget 2010-11
Key Features of the Union Budget 2010-11 presented by Shri Pranab Mukherjee – Finance Minister in parliament on Friday Dtd 26.02.2010
• FM prunes tax rates:
Income up to Rs 1.6 lakh - nil
Income above Rs 1.6 lakh and up to Rs 5 lakh - 10 per cent
Income above Rs 5 lakh and up to Rs 8 lakh - 20 per cent
Income above Rs 8 lakh - 30 per cent.
• Income Tax department ready with two-page Saral-2 return forms for individual salaried assesses.
• New tax rates would offer relief to 60 per cent of tax-payers.
• Government's net borrowing to be Rs 3,45,010 crore for 2010-11.
• Additional deduction of Rs 20,000 allowed on long term infrastructure bonds for income tax payers; this is above Rs one lakh on saving instruments allowed already.
• A unique identity symbol would be provided to the Indian Rupee in line with US Dollar, British Pound Sterling, Euro and Japanese Yen.
• Fiscal deficit seen at 4.8 per cent and 4.1 per cent in 2011-12 and 2012-13 respectively.
• Total expenditure pegged at Rs 11.8 lakh crore, an increase of 8.6 per cent.
• Gross tax receipts pegged at Rs 7,46,656 crore for 2010-11, non-tax revenues at Rs 1,48,118 crore.
• FM appeals to "misguided elements" (left wing extremists) to eschew violence and join the mainstream.
• Planning Commission to prepare integrated action plan for Naxal-affected areas.
• Defence allocation pegged at Rs 1,47,344 crore in 2010-11 against Rs 1,41,703 crore in the previous year. Of this, capital expenditure would account for Rs 60,000 crore.
• Fiscal deficit pegged at 6.9 per cent in 2009-10 as against 7.8 per cent in the previous fiscal.
• Finance Minister to continue giving cash subsidy for fuel and fertiliser instead of previous practice of bonds.
• Non-plan expenditure pegged at Rs 37,392 crore and Plan expenditure at Rs 7,35,657 crore in budget estimates. 15 per cent increase in plan expenditure and six per cent in non-plan expenditure
• Rs 1,900 crore allocated for Unique Identification Authority of India.
• Rs 1,73,552 crore provided for infrastructure.
• Need to take firm view on opening up of the retail.
• Government committed to ensure continued growth of Special Economic Zones development.
• Repayment of loan by farmers extended by six months to June 30, 2010 in view of drought and floods in some part of the country.
• One-time grant of Rs 200 crore provided to Tirupur textile cluster in Tamil Nadu.
• Allocation for new and renewable energy ministry.
• Clean Energy Fund to be created for research in new energy sources.
• Rs 500 crore allocated for solar and hydro projects for Ladakh region.
• Alternative port to be developed at Sagar Island in West Bengal.
• Allocation for National Ganga River Basin Authority doubled to Rs 500 crore.
• Government for competitive bidding for coal blocks for captive power plants.
• Mega power plant policy modified to lower cost of generation; allocation to power sector more than doubled to Rs 5,130 crore in 2010-11.
• Government proposes to set Coal Development Regulatory Authority.
• Propose to maintain thrust of upgrading infrastructure in rural and urban areas. IIFCL authorised to refinance infrastructure projects.
• Interest subvention for timely repayment of crop loans raised from one per cent to two per cent, bringing the effective rate of interest to five per cent.
• Bottleneck of public delivery mechanism can hold us back.
• Rs 200 crore provided for climate resilient agriculture initiative.
• Government to provide Rs 16,500 crore to public sector banks to maintain tier-I capital.
• Allocation for women and child development hiked by 80 per cent.
• Government decides to set up National Social Security
• Fund with initial allocation of Rs 1000 crore to provide social security to workers in unorganised sector.
• Rs 1,270 crore provided for slum development programme, marking an increase of 700 per cent.
• Allocation for development of micro and small scale sector raised from Rs 1,794 crore to Rs 2,400 crore.
• One per cent interest subvention loan for houses costing up to Rs 20 lakh extended to March 31, 2011; Rs 700 crore provided.
• 25 per cent of plan outlay earmarked for rural infrastructure development
• Road transport allocation raised by 13 per cent to Rs 19,894 crore, says FM.
• Allocation for urban development increased by 75 per cent to Rs 5,400 crore in 2010-11.
• Indira Awas Yojana scheme's unit cost raised to Rs 45,000 in plain area and Rs 48,500 in hilly areas.
• Allocation for NREGA stepped up to Rs 40,100 crore in 2010-11.
• For rural development, Rs 66,100 crore have been allocated.
• Plan allocation for health and family welfare increased to Rs 22,300 crore from Rs 19,534 crore.
• Plan allocation for school education raised from Rs 26,800 crore to Rs 31,036 crore in 2010-11.
• Deficit in foodgrains storage capacity to be met by private sector participation.
• Exclusive skill development programme to be launched for textile and garment sector employees.
• Plan allocation for Ministry of Minority Affairs raised from Rs 1,740 crore to Rs 2,600 crore.
• Plan outlay for Ministry of Social Justice raised by 80 per cent to Rs 4,500 crore.
• Government to contribute Rs 1,000 per year to each account holder
• Finance Minister says Government hopes to implement direct tax code from April 2011.
• Kirit Parekh report on fuel price deregulation will be taken up by Oil Minister Murli Deora in due course.
• Government has decided to set up apex-level Financial Stability and Development Council.
• FDI inflows steady during the year. Government has taken series of steps to simplify FDI regime
• Market capitalisation of five PSUs listed since October increased by 3.5 times.
• Nutrient based fertiliser subsidy scheme to come into force from April 1, 2010.
• Nutrient based fertiliser subsidy scheme to come into force from April 1, 2010.
• Earnest endeavour to implement General Sales Tax in April 2011.
• Status paper on public debt within six months.
• Government will raise Rs 25,000 crore from disinvestment of its stake in state-owned firms.
• Government to provide Rs 300 crore to organise 60,000 pulse and oilseed villages and provide integrated intervention of watershed and related programme.
• Government to continue interest subvention of 2 per cent for one more year for exports covering handicrafts, carpets, handlooms and small and medium enterprises.
• Government intends to make FDI policy user friendly by compling all guidelines into one document.
• RBI considering some additional banking licenses to private companies, NBFC will also be considered if they meet criteria.
• Export in January encouraging.
• Need to review the public spending and mobilize resources.
• FM stresses on the need to make growth more broad-based.
• Need to ensure that the demand-supply imbalance is managed.
• Need to review stimulus imparted to economy.
• Government conscious of the situation of price rise and taking steps to tackle it.
• Erratic monsoon and drought-like conditions forced supply side bottleneck that fuelled inflation.
• Double digit food inflation last year due to bad monsoon and drought-like conditions.
• Figures for merchandise exports for January encouraging after turnaround in November and December last.
Govt to raise Rs 25,000 cr this year to meet cap expenditure requirements
• GST and DTC can be introduced in April 2011
• Direct tax code will be implemented April 1, 2011
• Final figure may be higher if earnings in last quarters are strong
• 18.9% growth rate in manufacturing sector in 2009
• Concerned over emergence of double digit food inflation
• Export figures encouraging; pvt investments can be expected
• Double digit food inflation in 2009
• Need to review stimulus, move to fiscal consolidation
• Signs of food inflation going to non-food items
• Steps to reduce public debt, paper to be presented in 6 months
• 1st challenge: quickly revert to higher GDP growth path of 9%, cross double digit growth
• 2nd challnge: harden economic growth to make dev more inclusive
• 3rd challenge: relates to problems in government system
• Focus shifts to non-governmental actors
• Uncertainity was there on account of delay in monsoon, concerns about production and food prices
Source : union budget 2010-11 & rediff
• FM prunes tax rates:
Income up to Rs 1.6 lakh - nil
Income above Rs 1.6 lakh and up to Rs 5 lakh - 10 per cent
Income above Rs 5 lakh and up to Rs 8 lakh - 20 per cent
Income above Rs 8 lakh - 30 per cent.
• Income Tax department ready with two-page Saral-2 return forms for individual salaried assesses.
• New tax rates would offer relief to 60 per cent of tax-payers.
• Government's net borrowing to be Rs 3,45,010 crore for 2010-11.
• Additional deduction of Rs 20,000 allowed on long term infrastructure bonds for income tax payers; this is above Rs one lakh on saving instruments allowed already.
• A unique identity symbol would be provided to the Indian Rupee in line with US Dollar, British Pound Sterling, Euro and Japanese Yen.
• Fiscal deficit seen at 4.8 per cent and 4.1 per cent in 2011-12 and 2012-13 respectively.
• Total expenditure pegged at Rs 11.8 lakh crore, an increase of 8.6 per cent.
• Gross tax receipts pegged at Rs 7,46,656 crore for 2010-11, non-tax revenues at Rs 1,48,118 crore.
• FM appeals to "misguided elements" (left wing extremists) to eschew violence and join the mainstream.
• Planning Commission to prepare integrated action plan for Naxal-affected areas.
• Defence allocation pegged at Rs 1,47,344 crore in 2010-11 against Rs 1,41,703 crore in the previous year. Of this, capital expenditure would account for Rs 60,000 crore.
• Fiscal deficit pegged at 6.9 per cent in 2009-10 as against 7.8 per cent in the previous fiscal.
• Finance Minister to continue giving cash subsidy for fuel and fertiliser instead of previous practice of bonds.
• Non-plan expenditure pegged at Rs 37,392 crore and Plan expenditure at Rs 7,35,657 crore in budget estimates. 15 per cent increase in plan expenditure and six per cent in non-plan expenditure
• Rs 1,900 crore allocated for Unique Identification Authority of India.
• Rs 1,73,552 crore provided for infrastructure.
• Need to take firm view on opening up of the retail.
• Government committed to ensure continued growth of Special Economic Zones development.
• Repayment of loan by farmers extended by six months to June 30, 2010 in view of drought and floods in some part of the country.
• One-time grant of Rs 200 crore provided to Tirupur textile cluster in Tamil Nadu.
• Allocation for new and renewable energy ministry.
• Clean Energy Fund to be created for research in new energy sources.
• Rs 500 crore allocated for solar and hydro projects for Ladakh region.
• Alternative port to be developed at Sagar Island in West Bengal.
• Allocation for National Ganga River Basin Authority doubled to Rs 500 crore.
• Government for competitive bidding for coal blocks for captive power plants.
• Mega power plant policy modified to lower cost of generation; allocation to power sector more than doubled to Rs 5,130 crore in 2010-11.
• Government proposes to set Coal Development Regulatory Authority.
• Propose to maintain thrust of upgrading infrastructure in rural and urban areas. IIFCL authorised to refinance infrastructure projects.
• Interest subvention for timely repayment of crop loans raised from one per cent to two per cent, bringing the effective rate of interest to five per cent.
• Bottleneck of public delivery mechanism can hold us back.
• Rs 200 crore provided for climate resilient agriculture initiative.
• Government to provide Rs 16,500 crore to public sector banks to maintain tier-I capital.
• Allocation for women and child development hiked by 80 per cent.
• Government decides to set up National Social Security
• Fund with initial allocation of Rs 1000 crore to provide social security to workers in unorganised sector.
• Rs 1,270 crore provided for slum development programme, marking an increase of 700 per cent.
• Allocation for development of micro and small scale sector raised from Rs 1,794 crore to Rs 2,400 crore.
• One per cent interest subvention loan for houses costing up to Rs 20 lakh extended to March 31, 2011; Rs 700 crore provided.
• 25 per cent of plan outlay earmarked for rural infrastructure development
• Road transport allocation raised by 13 per cent to Rs 19,894 crore, says FM.
• Allocation for urban development increased by 75 per cent to Rs 5,400 crore in 2010-11.
• Indira Awas Yojana scheme's unit cost raised to Rs 45,000 in plain area and Rs 48,500 in hilly areas.
• Allocation for NREGA stepped up to Rs 40,100 crore in 2010-11.
• For rural development, Rs 66,100 crore have been allocated.
• Plan allocation for health and family welfare increased to Rs 22,300 crore from Rs 19,534 crore.
• Plan allocation for school education raised from Rs 26,800 crore to Rs 31,036 crore in 2010-11.
• Deficit in foodgrains storage capacity to be met by private sector participation.
• Exclusive skill development programme to be launched for textile and garment sector employees.
• Plan allocation for Ministry of Minority Affairs raised from Rs 1,740 crore to Rs 2,600 crore.
• Plan outlay for Ministry of Social Justice raised by 80 per cent to Rs 4,500 crore.
• Government to contribute Rs 1,000 per year to each account holder
• Finance Minister says Government hopes to implement direct tax code from April 2011.
• Kirit Parekh report on fuel price deregulation will be taken up by Oil Minister Murli Deora in due course.
• Government has decided to set up apex-level Financial Stability and Development Council.
• FDI inflows steady during the year. Government has taken series of steps to simplify FDI regime
• Market capitalisation of five PSUs listed since October increased by 3.5 times.
• Nutrient based fertiliser subsidy scheme to come into force from April 1, 2010.
• Nutrient based fertiliser subsidy scheme to come into force from April 1, 2010.
• Earnest endeavour to implement General Sales Tax in April 2011.
• Status paper on public debt within six months.
• Government will raise Rs 25,000 crore from disinvestment of its stake in state-owned firms.
• Government to provide Rs 300 crore to organise 60,000 pulse and oilseed villages and provide integrated intervention of watershed and related programme.
• Government to continue interest subvention of 2 per cent for one more year for exports covering handicrafts, carpets, handlooms and small and medium enterprises.
• Government intends to make FDI policy user friendly by compling all guidelines into one document.
• RBI considering some additional banking licenses to private companies, NBFC will also be considered if they meet criteria.
• Export in January encouraging.
• Need to review the public spending and mobilize resources.
• FM stresses on the need to make growth more broad-based.
• Need to ensure that the demand-supply imbalance is managed.
• Need to review stimulus imparted to economy.
• Government conscious of the situation of price rise and taking steps to tackle it.
• Erratic monsoon and drought-like conditions forced supply side bottleneck that fuelled inflation.
• Double digit food inflation last year due to bad monsoon and drought-like conditions.
• Figures for merchandise exports for January encouraging after turnaround in November and December last.
Govt to raise Rs 25,000 cr this year to meet cap expenditure requirements
• GST and DTC can be introduced in April 2011
• Direct tax code will be implemented April 1, 2011
• Final figure may be higher if earnings in last quarters are strong
• 18.9% growth rate in manufacturing sector in 2009
• Concerned over emergence of double digit food inflation
• Export figures encouraging; pvt investments can be expected
• Double digit food inflation in 2009
• Need to review stimulus, move to fiscal consolidation
• Signs of food inflation going to non-food items
• Steps to reduce public debt, paper to be presented in 6 months
• 1st challenge: quickly revert to higher GDP growth path of 9%, cross double digit growth
• 2nd challnge: harden economic growth to make dev more inclusive
• 3rd challenge: relates to problems in government system
• Focus shifts to non-governmental actors
• Uncertainity was there on account of delay in monsoon, concerns about production and food prices
Source : union budget 2010-11 & rediff
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