u/Experienced_CA

The double taxation nightmare: Section 194T - for partnerships and LLPs

Let's check a scenario.

There is a partnership or LLP (5 star LLP) with two partners, Ramesh and Suresh. As per the partnership deed, Ramesh is entitled to salary. The deed says Ramesh gets Rs. 80,000 a month, making it Rs. 9,60,000 a year.

Over the past years, this working has been simple. However, last year, Section 194T was introduced with effect from 1 April 2025. What it said was simple: if aggregate payments to a partner - salary, bonus, remuneration, commission, interest - exceed Rs. 20,000 in a year, TDS must be deducted. Accordingly, as per plain reading, TDS at 10% was deducted on each payment, ensuring 5 star LLP remained compliant.

But at year end, when the books were finalised, a problem surfaced.

What the deed said (FY 2025-26)

Monthly remuneration per deed : Rs. 80,000

Annual remuneration (12 months) : Rs. 9,60,000

TDS deducted @ 10% under Sec 194T : Rs. 96,000

Taxable Amount in Ramesh's 26AS / AIS : Rs. 9,60,000 (this number matters)

What Section 40(b) actually allows?

The Income Tax Act caps how much remuneration a firm can deduct as an expense. This cap is not based on what your deed says. It is based on the firm's book profits, and the formula is:

On first Rs. 6,00,000 of book profits : 90%, OR Rs. 3,00,000, whichever is HIGHER

On anything above Rs. 6,00,000 : 60%

Now let us apply this to the firm, assuming the book profits for FY 2025-26 as Rs. 10,00,000.

On first Rs. 6,00,000 @ 90% : Rs. 5,40,000

On balance Rs. 4,00,000 @ 60% : Rs. 2,40,000

Maximum allowable remuneration : Rs. 7,80,000

Your deed says Rs. 9,60,000. The law allows Rs. 7,80,000. The difference is Rs. 1,80,000.

Where double taxation actually happens?

That Rs. 1,80,000 excess is disallowed under Section 40(b). It simply never becomes a valid expense for the firm. Here is what that means in practice:

Book profits of the firm : Rs. 10,00,000

Maximum remuneration allowable (40b) : Rs. 7,80,000

Firm's taxable income (10L - 7.8L) : Rs. 2,20,000

Tax payable by firm @ 31.2% flat : Rs. 68,640

Taxable amount in Ramesh's AIS : Rs. 9,60,000 (full amount, no adjustment)

Ramesh's actual allowable remuneration : Rs. 7,80,000

What Ramesh must declare in his ITR : Rs. 9,60,000 (because his AIS says so)

Ramesh pays tax on Rs. 1,80,000 extra : even though the LLP has paid tax on it

The Rs. 1,80,000 is taxed once in the firm's hands because it is never allowed as a deduction. It is taxed again in Ramesh's hands because his AIS shows the full Rs. 9,60,000 and his ITR has no automatic mechanism to strip out the disallowed portion. Same money, taxed twice.

And if Ramesh tries to declare only Rs. 7,80,000 in his ITR because that is what was actually allowable - his return will not match his AIS. That mismatch will either come back as a defective return notice, a prima facie adjustment under Section 143(1)(a), or in the worst case, scrutiny assessment. There is no clean way out once the TDS has been filed at the wrong figure.

The interest clause - same trap, different page of your deed

Section 40(b) also caps interest on partner capital at 12% per annum. Same logic applies. If your deed does not explicitly say interest not exceeding 12% per annum on capital, the excess gets disallowed at the firm level and still shows in full in the partner's AIS.

How to fix this - four things to do now:

1. Rewrite the remuneration clause in your deed.

Replace the fixed monthly figure with language like: "remuneration decided shall be subject to limits under Section 40(b) of the Income Tax Act." This way you only ever credit what is actually allowable. No excess. No disallowance. No double tax.

2. Separate drawings from salary - they are not the same thing.

Money Ramesh takes out during the year is drawings. It is not remuneration. Formal remuneration should be credited at year end, not during the year, after book profits are known and the 40(b) ceiling is calculated.

3. Cap interest at 12% explicitly in the deed and cap remuneration to 40(b) limits.

Write it clearly: interest not exceeding 12% per annum on capital.

4. File your TDS return - and be ready to revise it.

Your Form 26Q should reflect the remuneration actually allowable under 40(b), not the deed figure. If you have already filed with the higher number, submit a correction statement once your books are finalised and numbers are confirmed.

Urgent - Rs. 200 per day late fee kicks in from 1 June 2026

If your firm or LLP has not yet filed its TDS statement, and aggregate payments to any partner (remuneration + interest + bonus + commission) exceed Rs. 20,000, file now. Interest for late or non-deduction is 1% per month or 1.5% per month depending on the default, which can be considered manageable. However, the penalty as late fee for non-filing of the TDS statement is Rs. 200 per day from 1 June 2026. It does stop - but only once the total late fee equals the amount of TDS itself. Until then, the meter is running. File now and avoid it entirely.

A note on the Income Tax Act 2025

The new ITA 2025 carries the same provisions, the same logic, and the same intent. The clause numbers and form numbers have changed but the underlying rules are identical. If you are reading guidance that refers to the old section numbers, the principles still apply - just verify the updated numbering under ITA 2025 before acting.

Drop your queries or specific situation in the comments - deed with a fixed salary clause, TDS already deducted at the wrong figure or unsure about your interest rate!

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u/Experienced_CA — 1 day ago
▲ 82 r/IndiaTaxation+2 crossposts

ITR-1 & ITR-4 filing is NOW OPEN for AY 2026-27 - Here's what you need to know!

The Income Tax Department has officially enabled online filing and offline excel utility for ITR-1 and ITR-4 for AY 2026-27 (FY 2025-26) on the e-Filing portal.

You can head over to Income Tax e-Filing portal and start filing right away!

Quick Recap - Which form is for you?

ITR-1 (Sahaj): For Resident Individuals with:

  • Total income up to ₹50 lakh
  • Income from Salary, own upto two house properties, other sources (interest, etc.)
  • LTCG under Section 112A up to ₹1.25 lakh
  • Agricultural income up to ₹5,000

ITR-4 (Sugam): For Resident Individuals, HUFs & Partnership Firms with:

  • Total income up to ₹50 lakh
  • Presumptive business income under sections 44AD, 44ADA, or 44AE
  • own upto two house properties, other sources (interest, etc.)
  • LTCG under Section 112A up to ₹1.25 lakh
  • Agricultural income up to ₹5,000

Due Date: 31 July 2026 for ITR-1 and 31 August 2026 for ITR-4

Key things to note this year:

  • AY 2026-27 continues to be governed by the Income-tax Act, 1961.
  • New Tax Regime is the default - opt out actively if you want the old regime.
  • E-verify within 30 days of filing, or your return will be treated as invalid.

Payment Tip - One of the most common mistakes!

If you're making a self-assessment tax payment during or after filing your return, the correct challan head is Minor Head 300. Make sure you tag this payment back to your ITR on the portal - it won't link automatically!

If you receive an intimation under section 143(1) and are making payment against that demand, use Minor Head 400 instead.

Using the wrong challan head can lead to unnecessary demands and notices!

Not sure whether to file now or wait?

We covered this in detail recently - check out our post on When is actually the right time to file your ITR? before you rush to hit submit!

Filing your ITR for the first time? Drop your questions in the comments!

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u/CA_Ted — 5 days ago
▲ 41 r/IndiaTaxation+3 crossposts

When is the actually right time to file your ITR? (Special AY 2026-27 edition)

It’s May 11, and the urge to "get over with" the tax filing for the year is high. However, the
reality is that the e-filing utility for AY 2026-27 is not even active yet. Even once it goes live, filing now is a trap. Read the what and why below:

For all the newbies reading this, AY 2026-27 is the period from 1 April 2025 to 31 March 2026. And this will also be the last year when we will be using the term AY when filing taxes. From 1st April 2026 onwards, it is all "Tax Year".

1. The Start Date: 15th June 2026:

Regardless of when the portal opens, do not file before June 15.

  • The Reason: Banks and employers have until May 31 to file TDS/TCS returns. Your AIS, TIS, and 26AS data will not be fully synced or accurate until mid-June.
  • The Risk: Filing with incomplete data is an invitation for a Section 139(9) notice for a Defective Return, or maybe not getting the due tax credit available to you, forcing you into a loop of revisions and updates.

2. The New Staggered Deadlines (with our Target Dates):

The deadlines are staggered this year. To avoid being held hostage by a crashing portal, aim for these BeFinLit Target Dates:

  • For salaried and HUFs with no business income (ITR 1 & ITR 2), with the due date being 31 July, we recommend the target date as 24 July.
  • For non-audited business income persons (ITR 3 & ITR 4), with the due date being 31 August, we recommend the target date as 24 August.
  • For audited business income persons, with the due date being 31 October, we recommend the target date as 24 October.

Important: If your income includes F&O or "moonlighting professional" income along with salaried income, you fall in the non-audited business income block.

3. How the government saves us (NOT!)

If you think you can wait until the last minute and hope for an extension due to "technical glitches," look at the track record:

  • The GSTR Disaster (March 2026): Recently, the GST portal was unusable on the 20th March 2026. After millions of tweets and request, the government waited until the evening of March 21 to announce a pathetic 1-day extension (or rather 6 hours extension as the extended date was 21 March 2026).
  • The September 2025 Mockery: On September 15, the extension was announced at 11:55 PM - literally five minutes before the deadline because of growing technical issues - granting a mere 24-hour relief.

The authorities have shown they are not interested in the difficulties we face due to their system failures. If you miss the window, you pay the late fees and lose the option for the Old Tax Regime. Don't leave your fate in their hands.

4. Your 40-Day Prep Window

We have about 40 days before the filing window actually "opens" logically on June 15. Start collating your documents now.

Stop treating your ITR as just a past-year chore. Your ITR is your Financial Resume. Whether it’s for a Home Loan, a Visa, Insurance, or a high-limit Credit Card, your returns are the proof of your future potential. Use this month to understand your cash flows and plan your finances for the next year, rather than just scrambling to report the last one.

Plan your taxes, don't just pay them.

BeFinLit India | Become Financially Literate

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u/CA_Ted — 9 days ago