1 फरवरी 2026 को Finance Minister Nirmala Sitharaman ने संसद में
Union Budget 2026-27 पेश किया। यह Modi Government का 11वां बजट है और
Viksit Bharat 2047 के vision को achieve करने की दिशा में एक महत्वपूर्ण कदम है।
Union Budget 2026 में fiscal deficit 4.4% of GDP, total expenditure
₹50.65 लाख करोड़, और capital expenditure ₹10.18 lakh crore रखा गया है।
आप India Budget Official Portal
पर complete budget documents देख सकते हैं।
Union Budget 2026 का मुख्य focus “Garib, Youth, Annadata और Nari” – इन चार
pillars पर है। Union Budget 2026 में agricultural productivity बढ़ाना,
MSME sector को
support, infrastructure development, healthcare expansion,
education quality
improvement, employment generation, और comprehensive reforms पर
विशेष ध्यान दिया गया है। नई schemes जैसे PM Dhan-Dhaanya Krishi Yojana, Rural
Prosperity
Programme, Mission for Pulses, और Nuclear Energy Mission की घोषणा
की गई है। किसानों के लिए PM Kisan Samman Nidhi और
Ayushman Bharat Yojana जैसी existing schemes के साथ coordination होगा।
🔥 Union Budget 2026 MEGA Announcements: New Income Tax Bill अगले हफ्ते,
Insurance में FDI limit 100%, KCC loan limit ₹3L से ₹5L,
MSME classification limits 2.5X increase, Credit guarantee ₹10 crore तक,
36 lifesaving cancer medicines पूरी तरह duty-free, Urban Challenge Fund ₹1 lakh
crore,
Nuclear Energy Mission ₹20,000 crore, Maritime Fund ₹25,000 crore!
Complete details नीचे पढ़ें! 🎯
📋 Union Budget 2026-27 – Fiscal Overview और Key Numbers
| Financial Parameter |
FY 2025-26 (BE) |
FY 2024-25 (RE) |
| Total Expenditure |
₹50.65 lakh crore |
₹47.16 lakh crore |
| Total Receipts (excluding borrowings)
|
₹34.96 lakh crore |
₹31.47 lakh crore |
| Net Tax Receipts |
₹28.37 lakh crore |
₹25.57 lakh crore |
| Capital Expenditure |
₹10.18 lakh crore |
₹10.18 lakh crore (maintained) |
| Fiscal Deficit (% of GDP) |
4.4% |
4.8% |
| Gross Market Borrowings |
₹14.82 lakh crore |
– |
| Net Market Borrowings |
₹11.54 lakh crore |
– |
Union Budget 2026 में fiscal deficit को 4.8% से घटाकर 4.4% करना government की
fiscal consolidation की commitment को
दर्शाता है। Capital expenditure ₹10.18 lakh crore maintained रखना infrastructure development पर
continued focus दिखाता है। Total expenditure में ₹3.49 lakh crore की वृद्धि developmental
priorities को reflect करती है। Finance Ministry की
official website पर detailed
budget documents उपलब्ध हैं।
🎯 Union Budget 2026 Theme: Viksit Bharat 2047 – Vision और Strategy
📌 Core Objectives और Focus Areas:
- ✅ “Sabka Vikas” – सभी regions का balanced growth सुनिश्चित करना
- ✅ Zero poverty – देश से गरीबी को पूरी तरह समाप्त करना
- ✅ 100% quality school education – सभी children को quality education
- ✅ Affordable और comprehensive healthcare – सभी citizens के लिए accessible
- ✅ 100% skilled labour – meaningful employment के साथ
- ✅ 70% women in economic activities – महिला सशक्तिकरण
- ✅ Farmers making India “food basket of the world” – agricultural excellence
🚀 10 Broad Development Areas – Comprehensive Coverage:
| क्रमांक |
Focus Area |
Key Objective |
| 1 |
Spurring Agricultural Growth and Productivity |
Enhance farmer income, productivity, sustainability |
| 2 |
Building Rural Prosperity and Resilience |
Address under-employment, create opportunities |
| 3 |
Taking Everyone Together on Inclusive Growth Path |
Leave no one behind, equitable development |
| 4 |
Boosting Manufacturing and Furthering Make in India |
Global manufacturing hub, quality products |
| 5 |
Supporting MSMEs |
Credit access, technological upgradation, scale |
| 6 |
Enabling Employment-led Development |
Job creation across sectors |
| 7 |
Investing in People, Economy and Innovation |
Human capital, infrastructure, R&D |
| 8 |
Securing Energy Supplies |
Energy security, clean energy transition |
| 9 |
Promoting Exports |
Global competitiveness, market access |
| 10 |
Nurturing Innovation |
R&D, startups, technology adoption |
🔧 Four Engines of Development – Growth Strategy:
- 🌾 Agriculture (First Engine): Productivity enhancement, diversification, farmer welfare –
1.7 crore farmers to benefit from PM Dhan-Dhaanya Krishi Yojana
- 🏭 MSME (Second Engine): 5.7 crore enterprises strengthening – employing 7.5 crore people,
contributing 36% manufacturing and 45% exports
- 💰 Investment (Third Engine): Infrastructure, human capital, innovation – includes
education,
healthcare, research & development focus
- 📦 Exports (Fourth Engine): Global competitiveness enhancement – Export Promotion Mission,
BharatTradeNet, supply chain integration
⚡ Fuel for Engines: Comprehensive Reforms in 6 Domains:
| Reform Domain |
Key Initiatives |
| 1. Taxation Reforms |
New Income Tax Bill next week, simplified compliance |
| 2. Power Sector Reforms |
Distribution reforms, 0.5% additional borrowing for
states |
| 3. Urban Development Reforms |
Urban Challenge Fund ₹1L crore, governance improvements
|
| 4. Mining Reforms |
Critical minerals from tailings, State Mining Index |
| 5. Financial Sector Reforms |
FDI insurance 100%, Central KYC, Grameen Credit Score
|
| 6. Regulatory Reforms |
High-Level Committee, Jan Vishwas Bill 2.0 (100+
decriminalized) |
🌾 Union Budget 2026: AGRICULTURE First Engine – Comprehensive Farmer Support
🆕 PM Dhan-Dhaanya Krishi Yojana – Transformational Programme:
| Programme Feature |
Detailed Information |
| Coverage Area |
100 districts with low productivity, moderate crop
intensity, below-average credit |
| Total Beneficiaries |
1.7 crore farmers |
| Implementation Model |
Partnership with states through convergence of existing
schemes + specialized measures |
| Objective 1 |
Enhance agricultural productivity through scientific
methods |
| Objective 2 |
Adopt crop diversification and sustainable agriculture
practices |
| Objective 3 |
Augment post-harvest storage at panchayat and block level
|
| Objective 4 |
Improve irrigation facilities for year-round cultivation
|
| Objective 5 |
Facilitate availability of long-term and short-term
credit |
| Inspiration |
Success of Aspirational Districts Programme |
🆕 Rural Prosperity and Resilience Programme – Multi-Sectoral Approach:
- Coverage: Phase-1 में 100 developing agri-districts शामिल
- Primary Target Groups: Rural women, young farmers, marginal and small farmers, landless
families
- Core Focus: Address under-employment in agriculture through multi-pronged strategy
- Strategy Components: Skilling programmes, investment facilitation, technology adoption,
rural economy invigoration
- Goal: Generate ample opportunities in rural areas so migration becomes option, not
necessity
- Best Practices: Incorporate global and domestic best practices
- Technical Support: Assistance sought from multilateral development banks
- Financial Assistance: Appropriate financial support for implementation
🌾 Mission for Aatmanirbharta in Pulses – 6-Year Strategic Plan:
| Mission Aspect |
Comprehensive Details |
| Duration |
6 years (comprehensive mission period) |
| Focus Pulses |
Tur (Arhar), Urad, Masoor – special
emphasis on these three pulses |
| Procurement Agencies |
NAFED (National Agricultural Cooperative Marketing
Federation) and NCCF (National Cooperative Consumers’ Federation) |
| Procurement Commitment |
Ready to procure as much as offered
during next 4 years |
| Farmer Registration |
Farmers need to register with agencies and enter into
agreements |
| Expected Impact |
Achieve self-sufficiency (aatmanirbharta) in pulses
production |
| Price Stability |
Reduce dependence on imports, stable prices for consumers
|
🥬 Comprehensive Programme for Vegetables & Fruits:
- Production Promotion: Encourage increased cultivation of vegetables and fruits
- Efficient Supply Chains: Streamline supply chains to reduce wastage and ensure freshness
- Processing Support: Food processing infrastructure for value addition
- Remunerative Prices: Ensure farmers receive fair prices for their produce
- FPO Participation: Farmer Producer Organizations actively involved
- Cooperatives Role: Agricultural cooperatives integrated in programme
- State Partnership: Implemented in partnership with state governments
- Institutional Mechanisms: Appropriate institutional mechanisms for implementation
🌰 Makhana Board Establishment (Bihar) – Specialized Support:
| Board Function |
Description |
| Location |
Bihar (major makhana producing state) |
| Production Improvement |
Enhance makhana production through better techniques |
| Processing Support |
Modern processing facilities and equipment |
| Value Addition |
Product development, packaging, branding support |
| Marketing Support |
Market linkages, domestic and export markets |
| FPO Organization |
Organize people into Farmer Producer Organizations |
| Handholding Support |
Continuous guidance and support to farmers |
| Training Programmes |
Regular training for better cultivation and processing
|
| Scheme Benefits |
Ensure makhana farmers receive benefits of all relevant
government schemes |
🌱 National Mission on High Yielding Seeds – Research and Propagation:
- Research Ecosystem: Strengthen research and development for seed varieties
- High Yield Focus: Develop seeds with significantly higher yield potential
- Pest Resistance: Varieties resistant to common pests and diseases
- Climate Resilience: Seeds adapted to climate change conditions
- Seed Varieties: 100+ seed varieties released since July 2024 to be
commercially available
- Targeted Development: Specific varieties for different agro-climatic zones
- Commercial Availability: Ensure farmers have easy access to quality seeds
- Propagation Support: Large-scale multiplication and distribution networks
🐟 Fisheries Framework – Marine Sector Potential:
| Aspect |
Details |
| Current Global Ranking |
2nd largest in fish production and
aquaculture |
| Seafood Exports Value |
₹60,000 crore annually |
| New Framework Purpose |
Sustainable harnessing of fisheries from EEZ and High
Seas |
| EEZ |
Exclusive Economic Zone – untapped potential |
| Focus Islands |
Andaman & Nicobar and
Lakshadweep Islands – special focus
|
| Sustainability |
Framework ensures ecological sustainability |
| Expected Impact |
Unlock untapped potential, increase exports, fisher
welfare |
🌸 Five-Year Mission for Cotton Productivity – Textile Sector Support:
- Duration: 5 years comprehensive mission
- Productivity Goal: Significant improvements in cotton productivity
- Sustainability Focus: Promote sustainable cotton farming practices
- Extra-Long Staple: Promote extra-long staple (ELS) cotton varieties for premium textiles
- Science & Technology: Best of science and technology support provided to farmers
- Integrated 5F Vision: Aligned with Farm to Fiber to Factory to Fashion to Foreign markets
- Farmer Income: Help in increasing incomes of cotton farmers
- Textile Sector Supply: Ensure steady supply of quality cotton for traditional textile
sector rejuvenation
- Export Potential: Quality cotton production to boost textile exports
💳 Kisan Credit Card (KCC) Enhancement – Major Relief:
| Parameter |
Previous |
New (Union Budget 2026) |
| Loan Limit |
₹3 lakh |
₹5 lakh |
| Coverage |
7.7 crore farmers, fishermen, and dairy
farmers |
| Loan Type |
Short term loans for agricultural needs |
| Interest Benefit |
Modified Interest Subvention Scheme
applicable |
| Increase |
₹2 lakh increase (66.67%
rise) |
यह enhancement farmers के लिए बड़ी राहत है। ₹2 lakh की additional credit access से किसान अपनी
farming operations को better तरीके से conduct कर सकेंगे, quality inputs खरीद सकेंगे, और productivity बढ़ा
सकेंगे।
🏭 New Urea Plant (Namrup, Assam) – Aatmanirbharta in Fertilizers:
- Location: Namrup, Assam
- Annual Capacity: 12.7 lakh metric tons
- Purpose: Further augment urea supply in Eastern region
- Context: Government had already reopened 3 dormant urea plants in Eastern region
- Self-Sufficiency: Move towards complete aatmanirbharta in urea production
- Farmer Benefit: Ensure timely availability of urea at reasonable prices
- Regional Focus: Strengthen fertilizer availability in North-East and Eastern states
📮 India Post Transformation – Rural Economy Catalyst:
| Transformation Aspect |
Details |
| Rural Post Offices |
1.5 lakh rural post offices network |
| India Post Payment Bank |
Financial services complemented |
| Dak Sevaks Network |
2.4 lakh Dak Sevaks vast network |
| New Role |
Repositioned to act as catalyst for rural economy |
| Logistics Transformation |
Transform into large public logistics organization |
| Support To |
Viswakarmas, new entrepreneurs, women, SHGs, MSMEs, large
businesses |
| Rising Needs |
Meet logistics needs of growing rural economy |
🤝 NCDC Support – Cooperative Sector Lending:
- Organization: NCDC (National Cooperative Development Corporation)
- Support: Government will provide support for lending operations
- Sector: Cooperative sector nationwide
- Impact: Strengthen cooperative movement, benefit farmer cooperatives
🏭 Union Budget 2026: MSME Second Engine – Comprehensive Business Support
📊 MSME Sector – Current Status and Contribution:
| Metric |
Figure/Details |
| Total MSMEs (Manufacturing + Services)
|
5.7 crore enterprises |
| Registered MSMEs |
Over 1 crore registered |
| Employment Generation |
7.5 crore people employed |
| Manufacturing Contribution |
36% of total manufacturing output |
| Export Contribution |
45% of India’s total exports |
| Global Positioning |
Positioned India as global manufacturing hub |
| Product Quality |
Quality products competitive globally |
🚀 MSME Classification Limits Enhanced – MAJOR ANNOUNCEMENT:
| Parameter |
Enhancement Details |
Impact on MSMEs |
| Investment Limit |
2.5 times (2.5X) increase across all
categories |
More room for machinery, equipment investment without
reclassification |
| Turnover Limit |
2.5 times (2.5X) increase across all
categories |
Enables business growth without losing MSME benefits |
| Confidence to Grow |
MSMEs can expand operations significantly |
Removes fear of crossing thresholds |
| Efficiency Gains |
Higher efficiencies of scale possible |
Better competitiveness |
| Technological Upgradation |
More headroom for modern technology adoption |
Industry 4.0 readiness |
| Employment Generation |
Larger operations mean more jobs |
Youth employment boost |
💡 Example: पहले Micro enterprise की investment limit suppose ₹1 crore थी, ab यह ₹2.5
crore
हो गई है। Similarly turnover limit भी 2.5X बढ़ी है। इससे MSMEs को बिना category change किए grow
करने का मौका मिलेगा!
💰 Credit Guarantee Cover Enhanced – Game Changer for MSMEs:
1. Micro और Small Enterprises – Doubled Guarantee:
| Aspect |
Old Limit |
New Limit |
| Credit Guarantee Cover |
₹5 crore |
₹10 crore |
| Increase |
100% increase (doubled) |
| Additional Credit Expected |
₹1.5 lakh crore in next 5
years |
| Beneficiaries |
Micro and Small Enterprises nationwide |
2. Startups – Enhanced Support with Lower Fees:
| Parameter |
Earlier |
Union Budget 2026 |
| Credit Guarantee Limit |
₹10 crore |
₹20 crore |
| Guarantee Fee (27 Focus Sectors) |
Higher fee |
Moderated to 1% |
| Focus Sectors |
27 sectors important for Atmanirbhar Bharat
|
| Impact |
Startups can access double the guaranteed
credit at lower cost |
3. Exporter MSMEs – Term Loan Support:
- Coverage: Well-run exporter MSMEs
- Loan Type: Term loans (for expansion, machinery, infrastructure)
- Credit Guarantee Limit: Up to ₹20 crore
- Purpose: Help exporters expand capacity and compete globally
- Criteria: Good track record and export performance
💳 Customized Credit Cards for Micro Enterprises – Easy Access:
| Feature |
Comprehensive Details |
| Credit Limit per Card |
₹5 lakh |
| Eligibility Requirement |
Micro enterprises registered on Udyam portal |
| First Year Target |
10 lakh credit cards to be issued |
| Purpose |
Working capital needs, inventory, operational expenses
|
| Ease of Access |
Simpler documentation, faster processing |
| Udyam Registration |
Free online registration on udyamregistration.gov.in |
💼 Fund of Funds for Startups – Expanded Scope:
- Existing Fund Performance: ₹10,000 crore government contribution has generated commitments
of over ₹91,000 crore from AIFs
- New Fund of Funds: Additional ₹10,000 crore fresh contribution
- Expanded Scope: Beyond existing coverage, new sectors and stages included
- AIFs Support: Alternative Investment Funds investing in startups
- Multiplier Effect: Government contribution attracts multiple times private investment
- Startup Ecosystem: Strengthen India’s startup ecosystem further
👩💼 New Scheme for First-Time Entrepreneurs – Inclusive Support:
| Scheme Aspect |
Complete Details |
| Target Beneficiaries |
Women, Scheduled Castes (SC), Scheduled Tribes
(ST) first-time entrepreneurs |
| Total Coverage |
5 lakh entrepreneurs |
| Loan Type |
Term loans (for business establishment and expansion)
|
| Loan Amount |
Up to ₹2 crore |
| Duration |
Next 5 years |
| Capacity Building |
Online training for entrepreneurship and managerial
skills |
| Lessons From |
Successful Stand-Up India scheme |
| Expected Impact |
Promote inclusive entrepreneurship, job creation, women
empowerment |
👞 Focus Product Scheme: Footwear & Leather Sector:
| Scheme Parameter |
Details and Targets |
| Objective |
Enhance productivity, quality, and competitiveness of
footwear and leather sector |
| Design Capacity Support |
Design development centers, trend forecasting |
| Component Manufacturing |
Domestic component manufacturing ecosystem |
| Machinery Support |
Modern machinery for production |
| Coverage |
Non-leather quality footwear + leather footwear and
products |
| Employment Target |
22 lakh persons |
| Turnover Target |
₹4 lakh crore |
| Export Target |
Over ₹1.1 lakh crore |
| Labour-Intensive |
Significant employment and entrepreneurship opportunities
|
🧸 Toy Manufacturing Scheme – Make India Global Toy Hub:
- Vision: Make India a global hub for toys
- Based On: National Action Plan for Toys
- Cluster Development: Toy manufacturing clusters with complete infrastructure
- Skills Development: Specialized training for toy designers, manufacturers
- Manufacturing Ecosystem: Complete value chain from design to export
- Product Focus: High-quality, unique, innovative, and sustainable toys
- “Made in India” Brand: Toys representing Indian culture and quality
- Global Market: Compete with China and other toy-producing countries
🍲 National Institute of Food Technology (Bihar) – Eastern Region Focus:
| Institute Feature |
Details |
| Full Name |
National Institute of Food Technology, Entrepreneurship
and Management |
| Location |
Bihar |
| Regional Focus |
Entire Eastern region of India |
| Purpose |
Strong fillip to food processing activities |
| Farmer Benefit |
Enhanced income through value addition to agricultural
produce |
| Youth Benefit |
Skilling, entrepreneurship, and employment opportunities
|
| Curriculum |
Food technology, entrepreneurship, management integrated
|
🏭 National Manufacturing Mission – Comprehensive Framework:
- Coverage: Small, medium, and large industries
- Purpose: Further “Make in India” initiative
- Policy Support: Comprehensive policy framework for manufacturing
- Execution Roadmaps: Clear implementation strategies
- Governance Framework: Monitoring and accountability mechanisms
- Central Ministries Coordination: Inter-ministerial coordination
- States Partnership: Framework for states to participate
- Clean Tech Manufacturing: Special focus on clean technology
Clean Tech Manufacturing Focus:
| Technology Area |
Objective |
| Solar PV Cells |
Improve domestic value addition, build manufacturing
ecosystem |
| EV Batteries |
Complete battery manufacturing capability |
| EV Motors and Controllers |
Domestic manufacturing of EV components |
| Electrolysers |
Green hydrogen production equipment |
| Wind Turbines |
Complete wind energy equipment manufacturing |
| Very High Voltage Transmission Equipment
|
Advanced power transmission infrastructure |
| Grid Scale Batteries |
Energy storage solutions for grid stability |
Note: यह article 8000+ words का detailed analysis है। पूरी जानकारी के लिए नीचे और sections
पढ़ें।
Next sections में Investment (People, Economy, Innovation), Exports,
Reforms, Tax Changes, और FAQs की complete details हैं।
Union Budget 2026 की यह article continue होता है नीचे। Agriculture,
MSME के बाद Investment, Exports,
Reforms, Tax Changes की detailed coverage!
सभी schemes, announcements, और impact की complete information!
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