The government faces an important Union Budget given the Budget 2013 precedes the year of elections. Experts, Niranjan Hiranandani, co-founder and managing director of Hiranandani Group; Rana Kapoor, founder, MD and CEO of Yes Bank, and Habil Khorakiwala, founder chairman and group CEO of Wockhardt, discuss various challenges ahead of Finance Minister P Chidambaram for the Budget 2013 and the need for this to be a credible budget.