Every year, the Union Budget shapes the financial landscape for Indian homebuyers from changes in home loan tax deductions and GST applicability to infrastructure investment announcements that directly drive real estate demand in cities like Jaipur. Budget 2025-26 has brought several developments that are directly relevant to buyers considering a flat in Jaipur's premium segment, including Royal Retreat by Kuldhara Builders & Developers in Vaishali Nagar. This blog breaks down the key policy announcements and what they mean for your property decision.
The home loan interest deduction under Section 24(b) of the Income Tax Act allows homebuyers to claim deduction on the interest paid on their home loan. Budget discussions have consistently included proposals to enhance this limit currently Rs 2 lakh per annum for self-occupied property to better reflect the reality of premium property values in cities like Jaipur. Any enhancement of this limit directly increases the post-tax return on a home loan investment and improves the monthly affordability equation for buyers of luxury apartments.
Home loan principal repayment qualifies for deduction under Section 80C (up to Rs 1.5 lakh per annum, combined with other 80C investments). For buyers of Royal Retreat apartments where home loan principal repayments will be significant maximising this deduction annually is an important tax planning consideration. Consult your chartered accountant to structure your home loan EMI and investment portfolio to maximise 80C benefits.
Budget 2025-26 continues India's robust infrastructure investment trajectory, with allocations for: expansion of the PM Gati Shakti National Master Plan (which includes Jaipur's connectivity infrastructure), Urban development and Smart City Mission funding, RRTS (Rapid Rail Transit System) project progress connecting Jaipur to Delhi, and road and highway development in Rajasthan. Each of these investments directly enhances Jaipur's attractiveness as a residential and investment destination and strengthens the appreciation outlook for premium properties like Royal Retreat in Vaishali Nagar.
While the Pradhan Mantri Awas Yojana (PMAY) primarily targets affordable and mid-income housing, its continued funding and expansion signals the government's commitment to real estate as a sector. For premium segment buyers at Royal Retreat where the PMAY subsidy does not directly apply the broader market confidence created by active housing policy is a positive signal for property values and project delivery timelines.
The GST rate on under-construction premium residential properties (above Rs 45 lakhs) remains at 5% without input tax credit, as per the existing framework. No material changes to GST applicability on under-construction luxury apartments were announced in Budget 2025-26 providing stability and predictability for buyers completing their cost calculations for Royal Retreat.
Budget 2025-26 continues a broadly supportive policy environment for real estate investment in cities like Jaipur. The combination of sustained infrastructure spending, potential home loan tax benefit enhancements, and a stable GST framework creates a favourable backdrop for buyers considering Royal Retreat by Kuldhara Builders & Developers. The fundamental drivers Jaipur's growth, Vaishali Nagar's premium positioning, and Kuldhara's trusted track record remain as strong as ever.
Budget 2025-26 impacts Jaipur home buyers through: potential changes to home loan interest deduction limits (Section 24b), continued infrastructure investment driving property appreciation, RRTS connectivity developments, and stable GST framework for under-construction properties. The overall policy environment remains supportive of real estate investment in premium Jaipur localities like Vaishali Nagar.
Under Section 24(b) of the Income Tax Act, homebuyers can claim deduction on home loan interest up to Rs 2 lakh per annum for self-occupied property. For let-out or deemed let-out property, the entire interest paid is deductible without limit. Consult a chartered accountant to understand how this applies to your specific purchase of a Royal Retreat apartment.
Yes. Royal Retreat is an under-construction project where GST at 5% (without input tax credit) applies to the property value, as is standard for residential under-construction projects priced above Rs 45 lakhs. GST is payable with each construction-linked instalment. This rate has remained stable and no material changes were announced in Budget 2025-26.
The proposed RRTS (Rapid Rail Transit System) connecting Jaipur to Delhi-NCR is expected to dramatically reduce inter-city travel time and attract Delhi-NCR professionals, investors, and NRIs to Jaipur's premium residential market. Properties in western Jaipur localities like Vaishali Nagar well-positioned relative to the RRTS terminus area are expected to see strong appreciation from this connectivity enhancement.
Yes. Homebuyers can claim home loan interest under Section 24(b) (up to Rs 2 lakh per annum for self-occupied property) and home loan principal repayment under Section 80C (up to Rs 1.5 lakh per annum combined with other 80C investments). Together, these deductions can generate significant annual tax savings for Royal Retreat buyers. Consult your chartered accountant for personalised tax planning.
Waiting for the Budget before buying a flat is generally not advisable. Budget announcements can go either way they may enhance benefits, reduce them, or leave them unchanged. Meanwhile, Royal Retreat's construction progresses and pricing will only increase as more units are booked and construction advances. The fundamental investment case for Royal Retreat is strong regardless of Budget outcomes.
“With a strong background in content strategy and creative writing, Tanvi Varshney has developed compelling content for a wide range of industries. Her interest in real estate drives her to explore homebuyer experiences, emerging market trends, and the emotional journey of finding the perfect home. She believes that great content should inform, inspire, and build lasting trust with its audience. ”
Copyright: © 2025 Kuldhara Builders and Developers All Rights Reserved.
Designed by Being Ingenious Media Pvt. Ltd.
