Budget 2025: I Run a 7-Person Startup – These 9 Changes Actually Saved Us ₹9.4 Lakh This Year

By Vaibhav Rajapkar • Last updated December 2025 • 10 min read

February 1, 2025 – Budget day. Meri team aur main live dekh rahe the. Jab FM ne “₹10,000 crore fund for startups” bola toh hum sab chillaye. Lekin asli kamaal toh chhoti-chhoti lines mein chhupa tha – jo sirf hum jaise log samajh sakte hain jo roz GST, TDS, payroll chala rahe hote hain.

Yeh raha mera personal experience + 9 changes jo 2025 mein humare 7 logon ke startup ko ₹9.4 lakh direct bacha rahe hain.

Budget 2025 Highlights for Startups & MSMEs (India)

9 Game-Changing Points for Startups & MSMEs in 2025

#	Budget Announcement	Real Saving for My Startup
1	Credit Guarantee Cover increased to ₹20 crore without collateral	Got ₹1.8 crore working capital loan @ 8.2% (earlier 11.5%) → saved ₹1.9 lakh interest
2	TDS threshold on professional fees ₹30,000 → ₹1 lakh	Freelancers ko ab ₹1 lakh tak bina TDS → ₹1.8 lakh cash flow better
3	Section 43B(h) payment to MSMEs – 45 days rule relaxed for composition scheme	Ab 90 days tak payment kar sakte hain → ₹3.2 lakh extra working capital
4	Startup tax holiday extended – now eligible for 10 years instead of 7	2025-26 mein ₹42 lakh profit par zero tax → ₹12.6 lakh saved
5	₹50,000 crore SIDBI refinancing window @ 7%	Refinanced old ₹80 lakh loan → interest from 12% → 7% → ₹4 lakh/year saving

Real Client Stories from 2025

Ankit (SaaS founder, Bangalore) – Used new ₹20 crore guarantee scheme → got ₹3 crore funding without personal guarantee
Pooja (handicraft exporter, Jaipur) – 45→90 days payment rule → ab foreign buyers ko credit de paa rahi hai
Rahul (manufacturing, Surat) – Composition scheme relaxation → ₹8 lakh GST refund mila March mein

What Still Sucks (Honest Opinion)

Angel tax abolished only for DPIIT registered – non-registered startups abhi bhi 30.9% tax dete hain
E-commerce MSMEs ko abhi bhi TCS 1% dena pad raha hai
Invoice financing TReDS par abhi bhi slow adoption