Skip to main content

Now, gold importers misusing FTA route for money laundering


If industry experts are to be believed, the recently implemented goods and services tax (GST) regime might have inadvertently openedachannel for gold importers to launder money out of the country.
Many bullion importers, it is learnt, have been exploiting the zeroduty facility under India´s free trade agreements (FTAs) with several countries for this purpose.
According to an industry veteran who did not wish to be named, "under two treaties that India has signed with other countries -FTA and Comprehensive Economic Partnership (CEP) -gold can now be imported without paying the 10 per cent customs duty, as the 12.5 per cent countervailing duty has been subsumed in the goods and services tax (GST), which is 3 per cent for gold".
These importers prefer gold coins as they offeragreater scope for overinvoicing than gold bars.
And, through overinvoicing, they are able to illegally send extra dollars out of the country.
Since the rollout of GST on July 1, it is estimated that at least 2,500 kg of gold coins might have been imported so far from South Korea alone, at zero per cent duty.
The government would have notionally lostarevenue of about $10 million which it might otherwise have collected in the form of basic customs duty and education cess. 
Assuming that these importers marked the imported gold coins up by 0.51 per cent, $500,000 dollars to $1 million might already have been laundered out of India.
Most jewellery manufacturing units are now receiving Korean coins, instead of bullion bars, as the former come ataslightly lower price than the bank rate.
Incidentally,alarge chunk of the margin is consumed by importers, who pocket 99.5 per cent,arate of return that is clearly very high for gold trade.
At their level, most jewellers are not aware of the advantage cost advantage that importers enjoy.
They were surprised to learn that their suppliers were makingakilling and passing on very little to them.
According to insiders, importers employ the following modus operandi to launder money by exploiting the zeroduty window: An importer registers an exporting company in Korea to source coins from the manufacturer, which would have sourced gold from the Indian importing company´s UAE, Hong Kong or Singapore arm. The cost of mintingacoin is about 0.3 per cent, and the manufacturer addsamarkup of say 1.52 per cent to that while making an invoice for the Indian importer´s Korearegistered company.
The exporting firm then ships the gold coins to its Indian sister company by adding another 12 per cent. As the room to price the exporting gold is very wide, given the 10 per cent duty differential for bullion imports, it is easy for the Indian importer to overinvoice and make the payment officially throughavalid banking channel.
Unfortunately, banks fail to do duediligence, as it is difficult for them to estimate the exact value.
The Business standard, New Delhi, 27th July 2017

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