#GST Impact

[dailyfinancial]

Are We Taxed Around 33% from Our Salary and Then Taxed Again as We Spend What’s Left? Why?

“The impact of double taxation on your Indian salary. Learn how direct taxes (TDS) and indirect taxes (GST, VAT) combine to take a significant bite out of your income. Understand the concept, calculate your tax burden, and explore strategies to minimize its effect on your take-home pay.” The question of taxation often sparks debates among salaried professionals, business owners, and the middle…

[horrorsboyfrie]

Loser!Zandik being crushed on by Popular!Reader

(masc terms on reader+ it's the typical corny social butterfly × weirdo shit, queer edition, honestly + Zandik displays traits of autism + a little murderous♡)

Zandik, as per usual, was spending the night's time in the library. It was quiet, for the most part. While a lot of his fellow peers were focused on finding answers for their own satisfaction, even those who viewed their values and research to be above everyone else's had someone to keep them company; for that reason, they often chose to borrow the necessary books and study in their respective dorms, or the dorms of their friends. Some did indeed prefer the setup of the library's sections and desks, but even so, the peaceful atmosphere was not interrupted by them.

Zandik sat on a table at the very ends of the room. He had a pile of books to his right; some half opened, and others neatly stack on top of each other. He had his notebook and pens nearby, taking notes of anything he deemed crucial knowledge for his personal projects.

Not long had he been entangled in his theories when a specific group of students decided to make an appearance. They could be heard from miles away— and it just so happened that they chose to sit on a table to his right. Malicious intent, no doubt. These people tended to act as if Zandik was some foreign species to be studied; as if he was a sort of a subject that needed constant supervision.

Of any day to endure the constant speculations and disgusted or concerned expressions towards him, today was not the right one. Nothing too horrific had happened to him, not something that would matter to an average person, at least. It's just that he slept wrong, causing him to wake up with slight neck pain, which played a role in worsening his already short temper, which in turn made his sensory issues towards his clothes, especially his socks, far more insufferable than they had to be. He was one unexpected move away from having a meltdown.

Yet again, he managed to ignore the obnoxiously loud 《whispers》 that sprouted out of those filthy rat-filled mouths of theirs, as Zandik's already-overwhelmed mind decided to call them.

Unfortunately for him, the multiple different voices started chanting even more nonsense as you walked towards the table— he could see that you were dreading it. Was everyone so damn bothered by his existence? You were known to be such a sweetheart— contrast to majority of boys there— by those who've interacted with you, but to be fair, none had a reputation quite like Zandik's, so it's no wonder you resented him, as everyone else did.

"Why'd we have to sit here?" he heard you emphasize. He looked your way; he could see the grins on the faces of your friends, the way they seemed to be picking on someone, hushed whispers, mentioning his name time after time, as if he wasn't barely three chairs away. Gods, his patience was running thin.

"Can we just switch seats?" He listened as you practically begged your friend, who was sitting on the complete opposite end of the table. As much as he may have claimed (to himself, seeing as he had none to actually confide in) not be a man driven by emotion, his worse sensory days were tempt to be a catastrophe in every way possible. He left soon after he heard those mumbles; he was too sensitive for his own good, even if he dismissed that fragile soul of his with walls of anger and apathy.

Your friends seemed to notice before you, the fact that he was no longer in the room. All you got was endless teasing about how you've missed your chance or about the fact that you probably 《intimidated》 him. Bullshit, no? You sighed as the group split up again, each going ahead to do their own thing. The only true reason they decided to meet up here was to force you into talking to him. That did not quite work out, it seems.

You hurried to leave as well, when you noticed a small pen on the ground. That must be his; you always see him writing with that specific shade of blue. It's not like nobody else in the whole Akademiya owned the same one, but he was sitting on the table you found it under. You decided to hold on to it. Perhaps it would be an opportunity to finally have a conversation with the guy!

On your way back to the dorms, you noticed him nearing his own room. Maybe now's the time to return him his belongings— especially considering how he seemed to be searching his pockets. His face was indifferent when he realized he didn't have the pen on him, but his hands were trermbling; a hint of anxiety perhaps? One could only speculate. You decided to leave him on his own. He probably wasn't up for company or conversation anyway.

The following few days weren't quite like you expected. Usually, you'd manage to get at least a glance your way by him; laughing at stupid jokes, bumping into people or objects that you could have easily avoided, accidentally saying things a bit too loud. Nothing worked this time. It's as if he purposefully was avoiding you; a fact that got confirmed after you tried walking towards him. He saw you—he made sure you saw his look, he held it for a couple of seconds— and then he walked away. Fuck, there's no way this guy wants anything to do with you.

Weeks later, you had grown to forget ever owning that pen of his; actually, you started using it for yourself. If you can't give it back, then why not use it for yourself?

Zandik, despite trying his hardest to keep his stares away from you and your friends (and pretty much everyone else in that damned building), couldn't help but notice that his long-gone favorite pen is under your possession.

After the very last class of the day, he decided to give you a visit; your fate had been decided by him already. He's done what he's done in the Eleazar hospital and got away with it. It wouldn't be hard to add another body into the endless pile of disappearances; he knew how to keep suspicion off his shoulders.

Perhaps it was a bit too far. He was letting his rage get the better of him; but gods, he really hadn't felt at ease writing with anything else. "His death would make no logical sense to my goals," he sighed as he reminded himself. "What sort of researcher puts his emotions above his values?" He groaned— frustrated both at himself for considering such a solution to his problems, and at the situation itself.

Times like these, he'd go to his special place to sit and think; it was a big tree, near a lake. Children would often talk about their encounters with the Aranara there. At first, he only ever visited that place so he could find one creature and take it for himself, but he grew quite comfortable being there.

He grabbed the opportunity by its hand once he spotted you all alone; sitting with your back against that very same tree that he favored. As if you had a seventh sense, you turned around to see him. He wasn't quite prepared to be greeted with a smile. It caught him off guard; why were you, of all people, showing any form of sympathy for him?

"I was hoping you'd be here" you said, handing him the pen that he has been desperately trying to get a hold of again.

[fincrif]

Can You Get GST Benefits on a Personal Loan Processing Fee?

Introduction

A personal loan is one of the most sought-after financial tools that provides individuals with the flexibility to meet various financial needs. Whether it's for medical expenses, home renovation, education, or any emergency, a personal loan offers a quick and unsecured funding option. However, like any financial product, it comes with associated costs, such as interest rates, processing fees, and taxes.

One common question borrowers ask is whether they can claim GST benefits on a personal loan processing fee. Understanding the taxation structure related to Goods and Services Tax (GST) on personal loans can help individuals and businesses make informed financial decisions.

1. What Is GST on Personal Loans?

The Goods and Services Tax (GST) is a comprehensive indirect tax levied on goods and services in India. When you apply for a personal loan, the loan amount itself is not subject to GST since loans are considered financial transactions rather than goods or taxable services. However, certain charges associated with personal loans do attract GST, including:

A. Processing Fee

Lenders charge a processing fee to cover administrative costs.

GST is levied at 18% on the processing fee.

B. Prepayment Charges

If you repay your loan before the tenure ends, lenders may impose a prepayment penalty, which is taxable under GST.

C. Bounce Charges & Penal Interest

If you miss an EMI payment, you may incur bounce charges and late fees, which also attract 18% GST.

Since GST is charged on processing fees, borrowers often wonder whether they can claim GST benefits or get exemptions on these charges.

2. Can You Claim GST Benefits on a Personal Loan Processing Fee?

The ability to claim GST benefits on a personal loan processing fee depends on the type of borrower and the nature of the loan usage. Let's explore different scenarios:

A. For Salaried Individuals

Salaried employees cannot claim GST input credit on personal loans.

Since personal loans are for personal use (not for business purposes), they do not qualify for GST benefits.

B. For Self-Employed Individuals & Business Owners

If a personal loan is used for business-related expenses, GST benefits may be available.

GST input tax credit (ITC) can be claimed only if the loan is directly linked to business operations.

3. How Can Business Owners Claim GST Benefits on Personal Loan Fees?

Self-employed individuals or business owners who use personal loans for business expenses may be eligible to claim GST input credit on the processing fee and other charges. Here’s how:

A. Loan Usage for Business

If a personal loan is used to fund business expansion, working capital, or asset purchase, GST input credit can be claimed.

The borrower must provide proof that the loan was utilized exclusively for business.

B. GST Registration Requirement

To claim GST input tax credit, the business must be GST-registered.

The GSTIN (Goods and Services Tax Identification Number) must be mentioned on the loan-related invoices.

C. Proper Documentation

Maintain records such as:

Invoice for the processing fee with GST details.

Bank statements showing loan utilization.

Tax invoices for purchases made using the loan.

D. Filing GST Returns

Claim GST input credit while filing GSTR-3B and GSTR-9 (Annual Return).

Ensure compliance with GST rules and regulations.

4. GST Exemptions on Personal Loans: What Borrowers Should Know

While personal loan principal and interest are GST-exempt, certain borrowers might seek ways to reduce tax liabilities on associated charges. Here are some common misconceptions and clarifications:

A. Misconception: GST Is Applicable on the Loan Amount

Many believe that GST is charged on the total loan amount, which is false.

GST is only applicable to loan-related fees, such as processing charges.

B. Can Processing Fees Be Avoided?

Some lenders offer zero processing fee personal loans as promotional offers.

While this eliminates GST on processing fees, other charges like higher interest rates may apply.

C. Negotiating Processing Fees with Banks

Borrowers with a strong credit score can negotiate lower processing fees.

Lower fees mean lower GST payable.

5. Comparing Personal Loan GST Charges Among Banks

Different lenders may have varying processing fee structures, affecting the total GST amount payable. Here’s an approximate range of processing fees and GST:

HDFC Bank: 1.50% - 2.50% + 18% GST

ICICI Bank: 1.50% - 2.25% + 18% GST

SBI Personal Loan: Up to 1.50% + 18% GST

Axis Bank: 1.50% - 2.00% + 18% GST

Before applying for a personal loan, borrowers should compare processing fees, GST costs, and total loan expenses to find the most affordable option.

6. How to Reduce GST Impact on Personal Loan Processing Fees?

While GST on personal loan processing fees cannot be avoided completely, borrowers can take steps to minimize its impact:

A. Look for Special Loan Offers

Some banks waive processing fees during festive seasons.

Opting for such offers can reduce GST liability.

B. Consider Digital NBFCs

Many online lenders offer lower processing fees than traditional banks.

Comparing options helps in saving on additional charges.

C. Improve Your Credit Score

A higher credit score gives borrowers better negotiation power.

Lenders may lower processing fees for low-risk applicants.

D. Check for Employer Tie-Ups

Some companies have tie-ups with banks for discounted loan processing fees.

Employees of certain organizations may receive special loan offers with reduced GST liability.

Conclusion

While GST on personal loan processing fees is an additional expense, salaried borrowers cannot claim tax benefits on it. However, self-employed individuals and business owners can claim GST input credit if the loan is used strictly for business purposes.

To minimize the impact of GST, borrowers should compare different lenders, negotiate lower fees, and take advantage of seasonal offers. Keeping proper documentation is crucial for those eligible to claim GST benefits.

Understanding the taxation of personal loans ensures better financial planning, reducing unnecessary costs while maximizing tax efficiency. Always review your loan agreement, processing fees, and GST implications before proceeding with a personal loan application.

[all-india-govt-jobs]

Coldplay’s ‘Viva La Vida’ Moment: India Concert Adds 15,000 Jobs, Rs 641 Crore To Economy

Last Updated:April 30, 2025, 13:13 IST Coldplay’s India concerts generated a staggering Rs 641 crore in business across multiple industries, said EY The Music of the Spheres tour (Photo: X/Coldplay) British band Coldplay’s India tour wasn’t just music to fans’ ears—it struck an economic chord that resonated nationwide. American pop icon Taylor Swift may be the global benchmark for blockbuster…

[luxuryroof]

Budget 2025: A Game Changer for Indian Real Estate? Key Expectations & Market Impact

Will This Budget Unlock Growth, Affordability, and Investment in Real Estate?

As India gears up for Union Budget 2025, the real estate sector is on high alert, anticipating policy shifts that could redefine housing affordability, taxation benefits, and infrastructure expansion. With the industry contributing nearly 7% to the GDP and projected to reach $1 trillion by 2030, real estate stakeholders—homebuyers, investors, and developers—are eyeing reforms that can boost demand, streamline regulations, and fuel long-term growth.

From tax breaks for homebuyers to incentives for green real estate, this year’s budget could be a make-or-break moment for the property market. Here’s what the industry is hoping for:

1. Affordable Housing: Bigger Incentives, Bigger Opportunities

One of the biggest expectations from Budget 2025 is an aggressive push for affordable housing, a segment that remains a key government priority. With the Pradhan Mantri Awas Yojana (PMAY) in full swing, developers and buyers alike are looking for:

✅ Extension of PMAY Benefits – Increased funding and subsidies for first-time homebuyers under Credit Linked Subsidy Scheme (CLSS). ✅ Higher Tax Deductions – Raising the Section 80EEA benefit (currently ₹1.5 lakh) to ₹2.5 lakh to help middle-income buyers. ✅ Lower GST on Under-Construction Properties – Reducing the current 5% GST (without ITC) to 3% or reinstating input tax credit (ITC) for builders to cut costs.

These moves could enhance affordability, improve sales volumes, and strengthen India’s housing demand.

2. Tax Benefits: More Savings for Homebuyers & Developers

Industry players have long demanded higher tax exemptions to boost liquidity and sales. Key tax-related expectations from Budget 2025 include:

📌 Increase in Home Loan Interest Deduction – Raising the Section 24(b) limit from ₹2 lakh to ₹5 lakh can make home loans more attractive. 📌 Relaxation in Capital Gains Tax – Expanding Section 54 exemptions to encourage reinvestment in real estate. 📌 GST Input Tax Credit (ITC) for Developers – Allowing builders to claim ITC can reduce project costs and make homes more affordable.

A well-balanced tax regime could encourage new home purchases, attract more investors, and drive fresh capital into the sector.

3. Infrastructure & Urban Expansion: Driving Real Estate Growth

Real estate thrives on strong infrastructure, and this budget is expected to boost metro expansions, smart city projects, and expressway networks. Experts are calling for:

🏗️ More Funding for Smart Cities & Urban Development – Expanding beyond metros to Tier 2 & Tier 3 cities. 🚆 Increased Connectivity Through Highways & Metro Rail – Unlocking new investment zones for real estate growth. 🏢 SEZ Reforms & Commercial Hubs – Making it easier to develop and sell properties in Special Economic Zones.

With India’s urbanization rate growing at 2.3% annually, these measures could expand real estate demand beyond metro cities.

4. REITs, Co-Living & Rental Housing: Unlocking the Next Big Market

The rental housing sector and Real Estate Investment Trusts (REITs) are emerging as game-changers, and Budget 2025 could further boost these markets with:

💼 Tax Incentives for REIT Investors – Offering capital gains tax exemptions or tax-free dividends to increase retail participation. 🏘️ Rental Housing & Co-Living Support – Special incentives for rental housing projects, student housing, and senior living. 📊 New Rental Housing Policy – Making it easier for private players to set up and manage large-scale rental properties.

With millennials and Gen Z preferring rental options, a structured rental housing framework could increase affordability and expand investment opportunities.

5. Stamp Duty & Registration Charges: A Much-Needed Rationalization

One of the biggest roadblocks in real estate transactions is high stamp duty and registration charges, which vary across states. The sector is hoping for:

📉 Reduction in Stamp Duty for First-Time Buyers – A centralized reduction policy to increase home sales. 🏡 Tax Deduction on Stamp Duty Costs – Making stamp duty partially deductible under income tax laws to improve affordability.

These measures could significantly lower property acquisition costs and encourage more real estate transactions.

6. Green Real Estate & Sustainable Development

Sustainability is the future, and Budget 2025 is expected to encourage eco-friendly real estate practices by:

🌱 Tax Benefits for Green Buildings – Reduced GST and subsidies for energy-efficient and sustainable real estate projects. ⚡ Incentives for Solar & Renewable Energy in Housing – Subsidies for solar power, rainwater harvesting, and energy-efficient homes. 🏗️ Higher Floor Space Index (FSI) for Green Certified Projects – Allowing eco-friendly buildings to have higher permissible construction limits.

With climate change concerns rising, incentivizing green real estate can attract global investors and ensure long-term sustainability.

Final Thoughts: Will Budget 2025 Be a Game Changer?

The Union Budget 2025 has the potential to revolutionize the real estate sector by focusing on affordability, infrastructure expansion, taxation benefits, and sustainable development.

For homebuyers, tax relaxations and lower interest rates could make homeownership easier. For developers, GST simplifications and incentives could reduce costs and increase profitability. For investors, REIT incentives and rental housing policies could unlock new income streams.

A progressive and real-estate-friendly budget could fuel industry growth, attract foreign investments, and make housing more accessible for millions of Indians. All eyes are now on the finance ministry—will Budget 2025 deliver the much-needed boost? Only time will tell. 🚀

[bmgrouprealty]

GST's Influence on Real Estate in 2024

Discover the effects of GST on the real estate industry in 2024. Learn how new regulations influence property prices, investments, and market trends.

[techdriveplay]

What is Novated Leasing and How Do You Choose a Good Provider?

More Australians are discovering the benefits of novated leasing, with the salary sacrificing arrangement booming in popularity. A novated lease allows you to pay for your car and its running costs with your pre-tax salary. This dramatically reduces your taxable income, potentially saving you thousands each year.    Once used almost exclusively by big corporations and the top end of town,…

[mariacallous]

If anyone was under any delusion that Donald Trump was not going to be as bonkers as he said he would be, then his announcement on Tuesday that he would slap a 25% tariff on all imports from Canada and Mexico (and deeper tariffs on China) should remove all doubt.

“Tariff” has become the economic word of the year thanks to the incoming US president.

It is no surprise that there has been a spike in Americans searching “What is a tariff?” on Google (sadly more people are asking that now, rather than before the election).

The answer is this: a tariff is essentially an import tax.

And despite what Trump might tell you, it is not paid by the country or the company that is exporting things to your country.

A 25% tariff means anyone importing things from – in this instance Canada or Mexico – to the US will now have to pay a 25% tax on the good. So, something that cost $100, now costs you $125.

If you are then selling that item or using it to build something that is then sold, that cost is of course going to be passed on to your customers.

Tariffs raise prices much like the GST raised the prices of things – and like the GST it hurts people on low and middle incomes the most.

Canadians and Mexicans will lose out as well because American importers will look to get goods from elsewhere because now those products are more expensive to buy. Maybe they will buy American-made items; more likely they’ll just import them from another country.

But the world economy is complex. A lot of what Americans import are things used by American companies to make their own products.

About 35% of what the US imports from Canada is petroleum – either refined, crude or gas – so the tariff now raises the price of that. Same for aluminium products and wood and all manner of other “input” goods.

That means the cost of overall production in America also rises.

So, not good.

And you can expect Mexico and Canada to retaliate with their own tariffs against US imports.

This would hurt the US economy because Canada and Mexico are America’s biggest export destinations:

The Mexican president is already announcing this will happen.

Welcome to a trade war – where no one really wins, because everyone just pays more for things.

Australia used to have some very high tariffs – especially for manufacturing and agriculture.

But since Gough Whitlam, who cut tariffs by 25% in 1973, the drive has been to lower them:

The big drops occurred during the 1980s and 1990s as the Hawke and Keating governments sought to make Australian industries compete with the rest of the world.

As Bob Hawke told parliament in his 1991 “Building a Competitive Australia” speech, the result of these tariffs was “inefficient industries that could not compete overseas; and higher prices for consumers and higher costs for our efficient primary producers”.

Because tariffs keep import prices high, local industries can become rather inefficient and lazy.

In the 1980s imported cars had a 57.5% tariff. It meant Australian cars could be poorly made with few features that were standard in Europe and the local companies didn’t have to worry about you buying the better made European car because they were far too expensive.

And so down came the tariffs from the 57.5% rate to 35% by 1991 and then by 2.5% a year to a 15% rate in 2000.

The impact on car prices is pretty clear:

From 1972 to 1996 car prices rose essentially in line with overall inflation. Since 1996, inflation has risen 108% while car prices have fallen 12%.

That’s the good news – cheaper cars for all!

Not so good if you had a job making one though.

The problem with tariffs is that while there are clear benefits to the economy (and society) from reducing them from very high levels to low levels, the benefits diminish with each cut.

This is pretty obvious from the improvements in productivity in the 1990s when the big cuts were made on manufacturing tariffs, and the only small improvements after then even though the smaller tariffs kept being cut:

The tariff of 15% brought cheaper, better cars onto the market, forced the local industry to improve in order to compete, and yet still gave it just enough protection to be able to compete against the massive car producers of Japan, the United States and Germany.

But the tariff cuts kept going.

The tariff on passenger motor vehicles dropped to 10% in 2005 and 5% in 2010.

And in 2008 Mitsubishi announced it would stop local production.

Government subsidies kept the industry going but Joe Hockey as treasurer ended that assistance.

And in 2013 Ford and Holden announced they would stop local production.

And then in 2014 Toyota announced it too would stop local production.

And now just 6% of all employed work is in manufacturing, compared with more than 20% in the 1970.

But Australia is not alone in this – in the 1950s about 30% of all workers in the US worked in manufacturing, now it is just 8%:

And this brings us back to Trump.

Why put tariffs on Canada and Mexico and China (and other nations including Australia) if it is just going to raise prices?

The theory is that it will bring back the factories and jobs.

Alas tariffs are a bit like a bath plug – they keep the water at a certain level but if you take it out the level goes down, and putting the plug back won’t cause the water to rise.

American manufacturing might get more work but mostly it will just take workers from other sectors that are not as protected or which get hurt more by tariffs other nations apply.

The big question though is: is this all just bluff?

Trump is great at saying he will do something, not doing it, saying he did and declaring some huge victory when nothing actually happened.

Economists and anyone who buys products imported or made from imports will be hoping this is what he intends this time.

[spacetimewithstuartgary]

“Raindrops in the Sun’s corona”: New adaptive optics shows stunning details of our star’s atmosphere

Scientists develop new optical system that removes blur over fine-structure in the Sun’s corona, revealing clearest images to date

The Sun’s corona—the outermost layer of its atmosphere, visible only during a total solar eclipse—has long intrigued scientists due to its extreme temperatures, violent eruptions, and large prominences. However, turbulence in the Earth’s atmosphere has caused image blur and hindered observations of the corona. A ground-breaking recent development by scientists from the U.S. National Science Foundation (NSF) National Solar Observatory (NSO), and New Jersey Institute of Technology (NJIT), is changing that by using adaptive optics to remove the blur.

As published in Nature Astronomy, this pioneering ‘coronal adaptive optics’ technology has produced the most astonishing, clearest images and videos of fine-structure in the corona to date. This development will open the door for deeper insights into the corona’s enigmatic behavior and the processes driving space weather.

Most Detailed Coronal Images to Date Revealed Funded by the NSF and installed at the 1.6-meter Goode Solar Telescope (GST), operated by NJIT’s Center for Solar-Terrestrial Research (CSTR) at Big Bear Solar Observatory (BBSO) in California, “Cona”—the adaptive optics system responsible for these new images—compensates for the blur caused by air turbulence in the Earth’s atmosphere —similar to the bumpy air passengers feel during a flight.  “The turbulence in the air severely degrades images of objects in space, like our Sun, seen through our telescopes. But we can correct for that,” says Dirk Schmidt, NSO Adaptive Optics Scientist who led the development. 

Among the team’s remarkable observations is a movie of a quickly restructuring solar prominence unveiling fine, turbulent internal flows. Solar prominences are large, bright features, often appearing as arches or loops, extending outward from the Sun's surface. A second movie replays the rapid formation and collapse of a finely structured plasma stream. “These are by far the most detailed observations of this kind, showing features not previously observed, and it’s not quite clear what they are,” says Vasyl Yurchyshyn, co-author of the study and NJIT-CSTR research professor. “It is super exciting to build an instrument that shows us the Sun like never before,” Schmidt adds. A third movie shows fine strands of coronal rain—a phenomenon where cooling plasma condenses and falls back toward the Sun’s surface. “Raindrops in the Sun’s corona can be narrower than 20 kilometers,” NSO Astronomer Thomas Schad concludes from the most detailed images of coronal rain to date, “These findings offer new invaluable observational insight that is vital to test computer models of coronal processes.” Another movie shows the dramatic motion of a solar prominence being shaped by the Sun’s magnetism. A Breakthrough in Solar Adaptive Optics The corona is heated to millions of degrees–much hotter than the Sun’s surface–by mechanisms unknown to scientists. It is also home to dynamic phenomena of much cooler solar plasma that appears reddish-pink during eclipses. Scientists believe that resolving the structure and dynamics of the cooler plasma at small scales holds a key to answering the coronal heating mystery and improving our understanding of eruptions that eject plasma into space driving space weather—i.e., the conditions in Earth's near-space environment primarily influenced by the Sun's activity (e.g., solar flares, coronal mass ejections, and the solar wind) that can impact technology and systems on Earth and in space. The precision required demands large telescopes and adaptive optics systems like the one developed by this team. 

The GST system Cona uses a mirror that continuously reshapes itself 2,200 times per second to counteract the image degradation caused by turbulent air. “Adaptive optics is like a pumped-up autofocus and optical image stabilization in your smartphone camera, but correcting for the errors in the atmosphere rather than the user’s shaky hands,” says BBSO Optical Engineer and Chief Observer, Nicolas Gorceix.

Since the early 2000s, adaptive optics have been used in large solar telescopes to restore images of the Sun’s surface to their full potential, enabling telescopes to reach their theoretical diffraction limits—i.e., the theoretical maximum resolution of an optical system. These systems have since revolutionized observing the Sun’s surface, but until now, have not been useful for observations in the corona; and the resolution of features beyond the solar limb stagnated at an order of 1,000 kilometers or worse—levels achieved 80 years ago.  “The new coronal adaptive optics system closes this decades-old gap and delivers images of coronal features at 63 kilometers resolution—the theoretical limit of the 1.6-meter Goode Solar Telescope,” says Thomas Rimmele, NSO Chief Technologist who built the first operational adaptive optics for the Sun’s surface, and motivated the development. Implications for the Future Coronal adaptive optics is now available at the GST. “This technological advancement is a game-changer, there is a lot to discover when you boost your resolution by a factor of 10,” Schmidt says. The team now knows how to overcome the resolution limit imposed by the Earth’s lowest region of the atmosphere—i.e., the troposphere—on observations beyond the solar limb and is working to apply the technology at the 4-meter NSF Daniel K. Inouye Solar Telescope, built and operated by the NSO in Maui, Hawaiʻi. The world’s largest solar telescope would see even smaller details in the Sun’s atmosphere.

“This transformative technology, which is likely to be adopted at observatories world-wide, is poised to reshape ground-based solar astronomy,” says Philip R. Goode, distinguished research professor of physics at NJIT-CSTR and former director at BBSO, who co-authored the study. “With coronal adaptive optics now in operation, this marks the beginning of a new era in solar physics, promising many more discoveries in the years and decades to come.”

The paper describing this study, titled “Observations of fine coronal structures with high-order solar adaptive optics,” is now available in Nature Astronomy. 

[flatsinkalyan]

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[raaaweb]

Startup in India: Building Businesses in a Land of Opportunity

The dream of launching a successful startup in India is more attainable today than ever before. The country offers an energetic ecosystem backed by a massive population, rising digital adoption, and robust support from the government. Entrepreneurs from all sectors are finding opportunities to innovate, scale, and make a real impact.

What Makes India a Startup Magnet?

India’s transformation into a global startup powerhouse has been phenomenal. With over 100 unicorns and thousands of early-stage ventures, India stands as one of the top countries fostering innovation and entrepreneurship.

Key reasons to launch a startup in India include:

Expansive Market Potential: A large and diverse consumer base provides access to multiple income segments and industries.

Favorable Policy Framework: Startup India and other government schemes ease business setup and provide financial incentives.

Tech-Savvy Youth: India’s young and digitally skilled workforce is an asset for any new business.

Global Connectivity: Access to international investors and global platforms makes it easier for Indian startups to go global.

Starting a Startup in India: Step-by-Step

Creating a startup in India involves a well-defined approach. Here are the essential steps to follow:

Identify a Market Gap: Find a real-world problem or need that hasn’t been solved effectively.

Create a Business Model: Define your value proposition, target audience, revenue stream, and marketing plan.

Select a Business Entity:

Private Limited Company

LLP (Limited Liability Partnership)

Sole Proprietorship

Legal Registration:

Register your company through the MCA portal.

Obtain PAN, TAN, and other relevant documents.

Apply for Tax and Business Licenses:

GST

FSSAI (if food-related)

MSME/Udyam registration

Fund Your Venture:

Bootstrap

Angel Investors

Startup India Seed Fund

Develop a Minimum Viable Product (MVP): Test your idea with real users before scaling.

Launch and Market Strategically: Use digital tools to reach your target audience.

Government Support for Indian Startups

A startup in India can benefit greatly from government-sponsored programs that provide both financial and structural support:

Startup India Recognition: Offers easier compliance, IPR support, and tax exemptions.

Fund of Funds: Managed by SIDBI to boost funding opportunities through venture capital firms.

Atal Innovation Mission: Encourages innovation and incubation through schools, colleges, and community centers.

Ease of Doing Business: Reforms have made starting and running businesses smoother than before.

Trending Startup Sectors in India

India’s startup scene is expanding across various industries. If you’re unsure which domain to target, consider:

Healthtech and Wellness

FinTech and Digital Banking

AgriTech and Rural Innovation

GreenTech and Electric Mobility

Online Learning (EdTech)

Common Startup Hurdles

No startup journey is without challenges. Be prepared for:

Delays in regulatory approvals

Intense competition in crowded markets

Finding product-market fit

Hiring experienced professionals in early stages

Final Words

If you’re planning to establish a startup in India, you are stepping into a high-growth environment where ideas can flourish with the right execution. Leverage available resources, focus on solving real problems, and adapt quickly to changing market conditions. With persistence and innovation, your startup can grow from a local idea to a national or even global brand.

Quick Checklist:

Register under Startup India for recognition and benefits

Create a compelling MVP

Utilize digital marketing for visibility

Stay updated on compliance and legal norms

[neeraj943]

GST Consultant by Neeraj Bhagat & Co. – Your Trusted Partner in Tax Compliance

In today’s dynamic business environment, navigating the complexities of the Goods and Services Tax (GST) can be a challenging task for entrepreneurs, SMEs, and large corporations alike. That’s where a trusted GST Consultant plays a pivotal role. At Neeraj Bhagat & Co., we provide expert GST consulting services that ensure seamless compliance and strategic tax planning for businesses across India.

Why GST Compliance is Crucial for Your Business

GST is an indirect tax that has replaced many indirect taxes in India, and non-compliance can result in penalties, interest, and loss of business reputation. As regulations continue to evolve, it's essential to stay updated with the latest changes in GST laws, filing deadlines, and input credit norms.

What Makes Neeraj Bhagat & Co. the Right GST Consultant?

Neeraj Bhagat & Co. is a leading chartered accountancy firm with a proven track record in GST advisory and compliance. We have a team of experienced professionals who specialize in GST registration, return filing, audits, and litigation support.

Our Comprehensive GST Services Include:

GST Registration: End-to-end assistance in obtaining new GST registrations and amendments.

GST Return Filing: Timely and accurate filing of GSTR-1, GSTR-3B, and annual returns.

GST Audit Support: Assistance with GST reconciliations, turnover verification, and audit representation.

GST Advisory: Strategic advice on GST impact, transaction structuring, and input tax credit optimization.

Representation Before Authorities: Expert handling of notices, assessments, and appeals before GST authorities.

Benefits of Hiring Neeraj Bhagat & Co. as Your GST Consultant

✅ Experienced Team of CAs and Tax Experts

✅ Tailored Solutions for Every Business

✅ Up-to-Date Knowledge of GST Laws

✅ Affordable and Transparent Pricing

✅ Dedicated Support and Quick Response Time

Who Can Benefit From Our GST Consulting Services?

Startups & New Businesses

Manufacturing Units

Exporters & Importers

E-commerce Companies

Service Providers & Freelancers

NGOs and Trusts

Whether you are looking for help with a one-time GST issue or need long-term support, Neeraj Bhagat & Co. is your trusted partner.

Final Thoughts

If you’re searching for a reliable GST Consultant, look no further than Neeraj Bhagat & Co. With decades of experience and in-depth knowledge of Indian tax laws, we are committed to helping businesses maintain full GST compliance and reduce their tax liabilities.

[scbhagat]

GST Registration Services in Delhi by SC Bhagat & Co.

Navigating the complexities of GST registration can be challenging for businesses. If you're looking for expert GST Registration Services in Delhi, SC Bhagat & Co. is your trusted partner. With years of experience and a dedicated team of professionals, we ensure a seamless GST registration process for businesses of all sizes.

Why Choose SC Bhagat & Co. for GST Registration in Delhi?

SC Bhagat & Co. is a leading tax and accounting firm, offering comprehensive GST solutions to individuals, startups, and enterprises. Our team of experts simplifies the GST registration process and ensures compliance with all legal requirements.

Our Key GST Services

GST Registration & Compliance

New GST Registration

GST Amendments & Modifications

GST Cancellation & Revocation

Filing of GST Returns

GST Advisory & Consultancy

GST Impact Analysis

Input Tax Credit (ITC) Planning

GST Rate Classification

Compliance Management

GST Return Filing & Compliance

Monthly, Quarterly & Annual GST Returns

GSTR-1, GSTR-3B, and GSTR-9 Filing

Reconciliation of GST Data

GST Audit & Assessment

GST Litigation & Representation

Assistance in GST Notices & Appeals

GST Refund Processing

Representation before GST Authorities

Advisory on Anti-Profiteering Laws

Benefits of GST Registration for Your Business

Legal Recognition: Get a valid GSTIN for your business operations.

Tax Benefits: Avail input tax credit and reduce tax liabilities.

Expand Business Reach: Register under GST to operate across India.

Compliance & Credibility: Build a strong financial reputation.

Avoid Penalties: Stay compliant and avoid legal complications.

Why Businesses Trust SC Bhagat & Co.?

Experienced Tax Experts: In-depth knowledge of GST laws and regulations.

Hassle-Free Process: Quick and easy GST registration with minimal documentation.

Affordable Pricing: Transparent and cost-effective service packages.

Dedicated Support: Personalized assistance for all GST-related queries.

Get in Touch with SC Bhagat & Co.

Looking for GST Registration Services in Delhi? SC Bhagat & Co. is here to assist you with all your GST needs. Let us handle your GST compliance while you focus on growing your business.

[raindropsofloev]

ARE THEY ACTUALLY PROPOSING 35% GST SLAB RATE??? WHAT THE FUCK???

although it's on sin products mainly so itna impact nahi hona ig

[lawrbit]

🇮🇳 Union Budget 2025–26: What Businesses Need to Know About Tax and Compliance 📊

India's Union Budget 2025–26 is out—and it’s packed with updates that impact how businesses manage taxes and stay compliant.

Whether you’re a startup, MSME, or a growing e-commerce brand, this year’s budget is a reminder that regulatory compliance risk management isn't something to delay.

💸 Direct Tax: Reliefs and Digital Push

Some key takeaways from the direct tax side:

Higher limits under presumptive taxation = easier compliance for small businesses.

Clearer taxation rules for digital assets.

More faceless assessments and online processes.

This reflects a clear shift toward digital-first compliance, and adopting a proper compliance management system can help businesses keep up without getting overwhelmed.

🧾 Indirect Tax: GST Simplified, E-Invoicing Expanded

The budget also fine-tunes GST and customs processes:

Smaller businesses can now file simpler GST returns.

E-invoicing is being extended to even lower turnover slabs.

Customs duties adjusted for electronics and green tech goods.

It’s obvious that digital tracking is becoming the norm. A solid compliance software setup will be essential to avoid late filings and penalties.

🚀 Why This Matters for Startups and MSMEs

While tax benefits and reliefs are great, many smaller businesses often delay setting up proper compliance frameworks—which leads to problems later.

💡 Tip: Use compliance management software that not only reminds you of due dates but also keeps records ready for audits.

Whether you're filing GST, managing TDS, or updating ROC, a single dashboard can make your life much easier.

📈 Compliance is Now Business Strategy

As India pushes forward with digitized governance and stricter reporting norms, regulatory compliance risk management is no longer optional.

Startups, especially in fintech, SaaS, and retail, should start treating compliance like an investment—not an afterthought.

If you're still relying on spreadsheets and manual updates, now’s the time to shift.

🔍 Want a Full Breakdown?

Read the full budget highlights here: 👉 Union Budget 2025–26: Direct & Indirect Tax Updates