Skip to main content

India US Ink FATCA to Fight Tax Evasion

Move will shield Indian financial institutions from facing penal taxes in the US for failing to disclose dealings of American entities
India and the United States have inked an accord that will help detect and discourage offshore tax evasion and shield Indian financial entities such as banks, insurance companies, custodians and broking houses from facing penal taxes in the US for failing to disclose the dealings of American citizens and US entities.The Foreign Account Tax Compliance Act or FATCA was signed on Thursday by Revenue Secretary Shaktikanta Das and US Ambassador Richard Verma.
“FATCA is a mutual effort to combat tax evasion and it would be mutually beneficial for both the countries...FATCA would detect, discourage offshore tax evasion.This kind of exchange of information is top priority for governments,“ Verma said.
India has opted to sign inter-governmental agreement with the US under FATCA, which will save finan cial institutions the bother of inking the agreement individually with the US. Talking to the media after signing the agreement, Das said, “We reassured the US government of the binding commitment to...fight the menace of evasion and bring transparency in the matters of payment of taxes which are legitimately due to the government.“
FATCA was enacted by the US in 2010 as part of the Hiring Incentives to Restore Employment (HIRE) Act to combat tax evasion by US nationals holding investments in offshore accounts. The law seeks to facilitate flow of financial information between countries.
Under the inter-governmental agreement, Indian financial institutions will have to reveal information about US tax payers to the revenue department which will be passed on to the US tax authorities.
The law also requires foreign financial institutions to report directly to the US Internal Revenue Service details of accounts held by US taxpayers or foreign entities in which US taxpayers hold a substantial ownership interest. Any entity failing to register will face a higher withholding tax rate of 30% on payments from all US firms that they deal with.
But Indian financial entities will not face this trouble as the government will directly share informa tion with the US au tion with the US authorities. The US revenue authorities will in turn provide similar information about Indian account holders in the United States. This auto matic exchange of information is scheduled to begin on September 30.
“The signing of IGA is a reaffirma tion of the shared commitment of India and USA towards tax transpar ency and the fight against offshore tax evasion and avoidance...The agreement underscores growing in ternational cooperation to end tax evasion everywhere,“ a finance min istry statement said.
The US has IGAs with more than 110 jurisdictions and is engaged in related discussions with many other jurisdictions.
FATCA further lends a hand in India's fight against black money . The country has stepped up efforts to tackle the menace by putting in place a new law. It has already inked a multilateral agreement on automatic information exchange and will start receiving information from 2017 onwards.
Experts said the industry needs to improve its infrastructure. “It is imperative that the industry stakeholders ready themselves for implementing the required infrastructure and processes, which is required to meet the exacting requirements of these regulations,“ said Himanish Chaudhuri, partner-governance, risk and compliance at KPMG in India. He said while it is expected that there will be operational challenges in the near term, there are definite longterm benefits from this system of automatic and periodic exchange of taxpayer information.
The Economic Times, New Delhi, 10th July 2015

Comments

Popular posts from this blog

RBI deputy governor cautions fintech platform lenders on privacy concerns during loan recovery

  India's digital lending infrastructure has made the loan sanctioning system online. Yet, loan recovery still needs a “feet on the street” approach, Swaminathan J, deputy governor of the Reserve Bank of India, said at a media event on Tuesday, September 2, according to news agency ANI.According to the ANI report, the deputy governor flagged that fintech operators in the digital lending segment are giving out loans to customers with poor credit profiles and later using aggressive recovery tactics.“While loan sanctioning and disbursement have become increasingly digital, effective collection and recovery still require a 'feet on the street' and empathetic approach. Many fintech platforms operate on a business model that involves extending small-value loans to customers often with poor credit profiles,” Swaminathan J said.   Fintech platforms' business models The central bank deputy governor highlighted that many fintech platforms' business models involve providing sm

Credit card spending growth declines on RBI gaze, stress build-up

  Credit card spends have further slowed down to 16.6 per cent in the current financial year (FY25), following the Reserve Bank of India’s tightening of unsecured lending norms and rising delinquencies, and increased stress in the portfolio.Typically, during the festival season (September–December), credit card spends peak as several credit card-issuing banks offer discounts and cashbacks on e-commerce and other platforms. This is a reversal of trend in the past three financial years stretching to FY21 due to RBI’s restrictions.In the previous financial year (FY24), credit card spends rose by 27.8 per cent, but were low compared to FY23 which surged by 47.5 per cent. In FY22, the spending increased 54.1 per cent, according to data compiled by Macquarie Research.ICICI Bank recorded 4.4 per cent gross credit losses in its FY24 credit card portfolio as against 3.2 per cent year-on-year. SBI Cards’ credit losses in the segment stood at 7.4 per cent in FY24 and 6.2 per cent in FY23, the rep

India can't rely on wealthy to drive growth: Ex-RBI Dy Guv Viral Acharya

  India can’t rely on wealthy individuals to drive growth and expect the overall economy to improve, Viral Acharya, former deputy governor of the Reserve Bank of India (RBI) said on Monday.Acharya, who is the C V Starr Professor of Economics in the Department of Finance at New York University’s Stern School of Business (NYU-Stern), said after the Covid-19 pandemic, rural consumption and investments have weakened.We can’t be pumping our growth through the rich and expect that the economy as a whole will do better,” he said while speaking at an event organised by Elara Capital here.f there has to be a trickle-down, it should have actually happened by now,” Acharya said, adding that when the rich keep getting wealthier and wealthier, they have a savings problem.   “The bank account keeps getting bigger, hence they look for financial assets to invest in. India is closed, so our money can't go outside India that easily. So, it has to chase the limited financial assets in the country and