Skip to main content

Service tax burden still with MF distributors

The service tax issue has returned to upset the 90,000strong mutual fund ( MF) distributor community.
In a note sent on Tuesday, the Association of Mutual Funds in India (Amfi) asked fund houses to continue the current practice in collection and payment of service tax, and continue deducting the 14 per cent tax from the commission paid to distributors.
Last month, the Central Board of Excise & Customs ( CBEC) had put out advertisements that asset management companies ( AMCs) would have to bear the service tax burden. Distributors took this to mean they would be exempt from paying the tax from their own pockets.
However, in a recent meeting between Amfi and CBEC, the latter clarified it was not concerned about who bore the tax, as long as it was collected. “ The loading of service tax in the commission amount is a subject matter of commercials between two parties and service tax authorities have nothing to do with it,” it said.
In a note to its members, Amfi asked fund houses to maintain status quo on the current practice in collection and payment of the tax, being paid by AMCs/ MFs under the reverse charge mechanism. This involves deducting it from the commission paid to distributors and depositing it with the tax authorities.
“It’s back to square one for the distributor community. We are hoping this is not the end of the matter and that we can take it up again with Amfi and market regulator Sebi,” said a senior official from a top distribution house.
According to Niren Shethia, director at PwC, usually under any tax law, the government fixes responsibility on who will ’ pay’ the tax, and not on who will ’ bear’ the tax. “ Paying tax is a contractual agreement between the service provider and service receiver or between the buyer and the seller. The CBEC in its advertisement used the word ‘ borne’ by the AMCs, which was incorrect. They have rightly clarified that the person who will ‘ bear’ the tax is not their concern.” Added a chief executive of a top fund house: “ If AMCs had to bear the service tax, they might have to increase the management fees by 1020 basis points. This, in turn, will require the market regulator’s permission, causing further delays in tax collection and payment.” Further, on the subject of Cenvat credit, CBEC said it would examine the matter in greater detail after Amfi made a fresh and detailed representation.
“Mutual fund entities are not eligible to avail any credit of distributors’ commission. Further for AMCs, admissibility of credit depends upon the facts of each case and contractual arrangements,” said Shethia.
The recent meeting between Amfi and CBEC was held to clear the confusion surrounding the advertisement. Amfi pointed out that the word “ bear” in the ad was taken by distributors/ agents as a mandate for AMCs/ MFs to bear the service tax. The line in the ad stating that the service tax paid by MFs would be available as credit on output services had also created confusion.
The sectoral body observed that while the advertisement was issued, no notification or circular was subsequently released for clarification.
Business Standard, New Delhi, 11th Sept. 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