Skip to main content

Professionals outnumber cos, trusts in declaring wealth during compliance period

Doctors, engineers and former senior managers who used to work overseas -these professionals formed the biggest chunk of those who made use of the 90-day grace period for the declaration of unaccounted wealth. The total amounted to Rs.4,147 crore, the government said on Friday, still below the expectations of experts.There's no split available on how much these individuals accounted for but they dominated in terms of number of filings, exceeding those by companies, trusts and Hindu Undivided Families, said officials who didn't want to be named. But some of these declarations may have been made because of fear and confusion, said tax advisors. The individuals wanted to play it safe, preferring to pay 60% in combined taxes and penalties, rather than getting entangled in the harsh new law on black money .
One of them was a senior executive who was posted abroad. “I had advised him to just go to the income tax department and declare the assets as the money earned was through legal means. However, he feared harassment in future,“ said a tax expert.
In such cases involving Indians who have returned, the declarations may not be related to black money but income and investments made when they were outside India.
“Many people who have declared their wealth are people who have moved back from overseas. Many of these are software engineers who were working in the US or other countries and are now settled in India. They are not people who have done anything wrong,“ said a tax advisor.
A software engineer who moved to the US in the 1990s with his family and returned about two years ago had about $500,000 in a US bank, some shares of New York Stock Exchange-listed companies and an apartment bought a while back. The engineer told his tax advisor that he preferred the confidentiality of the scheme, even if it came at a high cost -30% tax and another 30% penalty but with an assurance there would be no prosecution.
Two doctors based in Delhi declared assets of about Rs.13 crore. Their situation was different. They had invested money earned as consultancy fees in property in London at a time when India did not allow its citizens to buy real estate abroad.
PROFILE OF ASSETS
Tax and legal experts, who helped high net worth individuals with declaring their wealth, said the profile of assets has changed. “In 1997, under the Voluntary Disclosure of Income Scheme (VDIS), a lot of people had declared gold, cash and even property.This time around, most people declared money in bank accounts and shares of companies they held,“ said a tax expert with a law firm.
The government said Monday 638 people declared Rs.4,147 crore of previously undisclosed foreign assets during the three-month compliance window --an average of about Rs.6.5 crore. The highest declared ` amount by an individual was Rs.200 crore, according to people ` familiar with the matter.
Finance Minister Arun Jaitley and Economic Affairs Secretary Shaktikanta Das have warned that those who didn't declare their unaccounted assets during 90-day period should be ready to face the consequences, including taxes, penalties and prosecution.The law makes wrongdoers liable for rigorous imprisonment of up to 10 years.
Experts say many are seeking ways of putting tax officials off their trail.
The Economic Times, New Delhi, 6th Oct. 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