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मुंबई | 1 जुलैपासून सर्वसामान्य नागरिकांच्या खिशावर थेट परिणाम होणार आहे. कारण 1 जुलैपासून देशात बँकिंग आणि कराच्या नियमांमध्ये मोठे बदल होणार आहेत. कार आणि बाईक खरेदी करणं देखील महाग होणार आहे. त्यामुळे कोरोनाच्या पार्श्वभूमीवर आधीच कंबरडं मोडलेल्या सर्वसामान्यावर आता या नव्या बदलांनी बोजा वाढणार आहे. दुसरीकडे काही बदल सर्वसामान्य नागरिकांना दिलासा देणारेही आहेत. यामुळे नागरिकांचे श्रम आणि पैसा वाचणार आहे. या बदलांमध्ये 9 महत्त्वाचे बदल होणार आहेत ते खालीलप्रमाणे.

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1. स्टेट बँक ऑफ इंडिया

बेसिक सेव्हिंग बँक डिपॉजिट (BSBD) खातेधारकांना आता महिन्यातून 4 वेळा एटीएमचा वापर मोफत करता येणार आहे. त्यानंतर एटीएमचा वापर केल्यास प्रत्येक व्यवहाराला 15 रुपये आणि जीएसटी द्यावा लागणार आहे. तसेच चेकबुकसाठीही अधिकचे पैसे द्यावे लागणार आहेत.

2. आयडीबीआय बँक

आयडीबीआय बँकेने 1 जुलैपासून आपल्या चेक लीफ चार्ज, सेव्हिंग अकाउंट चार्ज आणि लॉकर चार्जमध्ये बदल केलाय. सेमी अर्बन आणि ग्रामीण भागातील खातेधारक आता बँकेत फक्त 5 वेळाच पैसे जमा करू शकणार आहेत. पूर्वी ही सुविधा 7-10 वेळा उपलब्ध होती. तसेच ग्राहकांना आता 20 पानांचेच चेकबुक मोफत दिले जाणार आहे. त्यानंतर प्रत्येक चेकसाठी 5 रुपये द्यावे लागणार आहेत. ज्येष्ठ नागरिकांचे महिन्याला सरासरी 10 हजार रक्कम बॅलन्स असेल तरच त्यांना लॉकरवर डिस्काउंट दिला जाणार आहे.

3. LPG गॅसच्या किंमतीत वाढ की घट?

दर महिन्याच्या सुरुवातीला LPG गॅसच्या किंमतीत बदल होतो. त्यामुळे 1 जुलै रोजी घरगुती सिलिंडर गॅस स्वस्त होणार की महागणार याकडे सर्वांचेच लक्ष राहणार आहे.

4. छोट्या बचतीच्या व्याजात बदल होणार

छोट्या बचतीवर मिळणाऱ्या व्याजात 1 जुलैपासून बदल होणार आहेत. यात PPF, सुकन्या समृद्धी योजना, किसान विकास पत्र, सीनियर सिटीजन सेव्हिंग स्कीम, नॅशनल सेव्हिंग सर्टिफिकेट, मंथली इनकम स्कीम, टाईम डिपॉजिट आणि रिकरिंग डिपॉजिट योजनेचा समावेश आहे.

5. मारुती आणि हिरो कंपनीच्या गाड्या महागणार

मारुती आणि हिरोच्या गाड्यांच्या किंमती वाढणार आहे. हिरोच्या दुचाकींच्या एक्स-शो रूम किमतीत 3 हजार रुपयांची वाढ होऊ शकते.

6. 50 लाख रुपयांच्या वरील खरेदीवर टीडीएस कापला जाणार

आयकर कायद्यातील कलम 194 मध्ये बदल करण्यात आलाय. त्यानुसार 50 लाखांवरील खरेदीवर 0.10 टक्के टीडीएस कापला जाणार आहे. मागील वर्षी एखाद्याचा 10 कोटींचा टर्नओव्हर असेल, तर तो यावर्षी 50 लाखांपेक्षा अधिकचा माल खरेदी करू शकेल. यावर जी विक्री होईल त्यावर टीडीएस कापला जाईल. जर एखाद्या विक्रेत्याने 2 वर्ष रिटर्न फाईल केले नाही तर त्याला 5 टक्के टीडीएस द्यावा लागेल. पूर्वी 0.10 टक्के टीडीएस होता. त्यात आता 50 टक्के वाढ करण्यात आली आहे.

7. लर्निंग लायसन्ससाठी ऑनलाइन अर्ज

लर्निंग लायसन्स बनवण्यासाठी आता आरटीओत जाण्याची गरज नाही. ऑनलाईन अर्ज केल्यानंतर घरातूनच चाचणी दिली जाऊ शकणार आहे. चाचणीत पास झाल्यानंतर लर्निंग लायसन्स घरी पाठवून दिले जाणार आहे. परमर्नंट लायसन्ससाठी मात्र ट्रॅकवर वाहन चालवून दाखवावे लागणार आहे.

8. प्रत्येक सोन्याच्या दागिन्याला यूनिक ओळख

सोन्याच्या व्यवहारात फसवणूक होऊ नये म्हणून सोन्याच्या प्रत्येक दागिन्याला यूनिक ओळख तयार करण्यात येणार आहे. दागिने हरवल्यास किंवा चोरी झाल्यास या यूनिक ओळखीमुळे ओळख पटवण्यात मदत होणार आहे. म्हणूनच प्रत्येक दागिन्याला यूनिक ओळख (यूआईडी) देण्याचा निर्णय महत्त्वाचा ठरणार आहे.

9. सिंडिकेट बँकेच्या ग्राहकांना नवा IFSC कोड

सिंडिकेट बँक कॅनरा बँकेत विलीन झालीय. त्यामुळे आता सिंडिकेट बँकेच्या ग्राहकांना नवा IFSC कोड वापरावा लागणार आहे.

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