Impact of Commercial Credit Notes on ITC: Clarifications and Legal Perspective

 

Introduction

In the Goods and Services Tax (GST) regime, the reversal of Input Tax Credit (ITC) is a crucial aspect that businesses must manage carefully. One area that often leads to confusion is the treatment of discounts provided by suppliers through commercial (non-GST) credit notes. These credit notes differ from GST credit notes and have a unique impact on ITC. This article explores the legal provisions, relevant case laws, and practical insights regarding ITC reversal in cases of non-GST credit notes.

 

Understanding Commercial (Non-GST) Credit Notes

Commercial credit notes are issued by suppliers for discounts that are not part of the initial supply agreement or known at the time of supply. Common examples include:

  • Trade discounts for early payments
  • Price protection discounts
  • Bulk quantity discounts
  • Target-based incentives

Unlike GST credit notes, commercial credit notes do not adjust the supplier's output tax liability. As a result, they are considered secondary discounts, which do not affect the taxable value under GST.

 

Legal Framework and Relevant Circulars

As per Section 15(3)(b), a supplier can reduce the value of supply only if the discount is established in the terms of an agreement before or at the time of supply, is linked to specific invoices, and the corresponding ITC is reversed by the recipient.

In order to qualify for deduction of post-supply discount from the transaction value all the following conditions are to be fulfilled by the supplier: -

(i)      Such discount is established in terms of an agreement entered into at or before the time of such supply 

(ii)     Such discount must be specifically linked to relevant invoices; and

(iii)    input tax credit as is attributable to the discount on the basis of document issued by the supplier has been reversed by the recipient of the supply

 

Only after complying with the aforesaid conditions, the supplier can issue a credit note with GST and reduce its output liability. In other cases, where the discount component is not known at the time of supply, such discounts are referred to as secondary discounts. If the transaction does not meet the triple test mentioned above, a commercial (non-GST) credit note should be issued.

 

Circular No. 92/11/2019-GST dated 07.03.2019: Clarification of various doubts related to treatment of sales promotion schemes under GST.

 

This circular clarified on the treatment of sales promotion scheme under GST as

A. Free samples & Gifts,

B. Buy one get one free offer,

C. Discounts including ‘Buy more save more’ offers,

D. Secondary Discounts

 

The relevant extract of above circular i.e. “Secondary Discount” is reproduced as under:

 

i. These are the discounts which are not known at the time of supply or are offered after the supply is already over. For example, M/s A supplies 10000 packets of biscuits to M/s B at Rs. 10/- per packet. Afterwards M/s A re-values it at Rs. 9/- per packet. Subsequently, M/s A issues credit note to M/s B for Rs. 1/- per packet.

 

ii. The provisions of sub-section (1) of section 34 of the said Act provides as under: “Where one or more tax invoices have been issued for supply of any goods or services or both and the taxable value or tax charged in that tax invoice is found to exceed the taxable value or tax payable in respect of such supply, or where the goods supplied are returned by the recipient, or where goods or services or both supplied are found to be deficient, the registered person, who has supplied such goods or services or both, may issue to the recipient one or more credit notes for supplies made in a financial year containing such particulars as may be prescribed.”

 

iii. Representations have been received from the trade and industry that whether credit notes(s) under sub-section (1) of section 34 of the said Act can be issued in such cases even if the conditions laid down in clause (b) of sub-section (3) of section 15 of the said Act are not satisfied. It is hereby clarified that financial / commercial credit note(s) can be issued by the supplier even if the conditions mentioned in clause (b) of sub-section (3) of section 15 of the said Act are not satisfied. In other words, credit note(s) can be issued as a commercial transaction between the two contracting parties.

 

iv. It is further clarified that such secondary discounts shall not be excluded while determining the value of supply as such discounts are not known at the time of supply and the conditions laid down in clause (b) of sub-section (3) of section 15 of the said Act are not satisfied.

 

v. In other words, value of supply shall not include any discount by way of issuance of credit note(s) as explained above in para 2 (D)(iii) or by any other means, except in cases where the provisions contained in clause (b) of sub-section (3) of section 15 of the said Act are satisfied.

 

vi. There is no impact on availability or otherwise of ITC in the hands of supplier in this case.

 

Since the supplier has discharged GST on the whole amount, the buyer is not required to reverse ITC. Here it is pertinent to go through para no.5 of the decision of CESTAT in the case of Brown Craft Industries Ltd. Vs. CCE, Thane-II - 2006 (11) TMI 85 - CESTAT, MUMBAI which is extracted below :

 

"5. After going through the facts and circumstances of the case and on consideration of the grounds cited supra, I am of the view that the contentions raised by the Appellant have substantial force in law. There is no loss to the revenue as far as the payment of duty is concerned by the assessee i.e. supplier of the goods on the proper correct assessable value. If there is a short payment of duty or refund claimed by the assessee supplier or reduction of sale price of the goods, there is some meaning in the action of the department to demand the appellants to reduce or reverse the credit equal to short payment of duty or refund claim. There is no such exercise by the authorities concerned at the suppliers end. Duty is paid on the basis of regular practice which is as per trade practice or on mutual agreement and the trade discounts/cash discounts and other discount are the normal practice, which cannot be quashed by the department as long as they receive the correct quantum of duty, on correct assessable value. Therefore, I am of the confident view that the department cannot direct the appellant to reverse the credit or to disallow the credit as the Appellants had paid the duty and taken credit which is equivalent to duty shown in the invoice issued by the supplier, as such the confirmation of the demand for excess credit is not sustainable and penalty imposed thereof along with interest is not sustainable. Both the authorities had erred in demanding reversal of credit. Therefore, both the impugned orders are to be set aside and the appeal is allowed with consequential."

 

Authority for Advance Ruling, Madhya Pradesh on the application filed by Rajesh Kumar Gupta proprietor of M/s Mahaveer Prasad Mohanlal, Gandhi Ganj, Jabalpur (M.P.) [Case No. 07/2021 order dated 06.01.2022] has held that:

 

o       The applicant can avail the Input Tax Credit of the full GST charged on the invoice of the supply and no proportionate reversal of ITC is required in respect of commercial credit note issued by the supplier for cash discount for early payment of supply invoice (bills) and Incentive/scheme provided without adjustment of GST, if the said discount is not covered under Section 15(3)(b) of CGST Act, 2017 and the said discount is not in terms of prior agreement. This is subject to the conditions that the GST paid for the said goods/service is not reversed or reimbursed / re-credited by the supplier to the applicant in any manner.

 

o       Since the amount received in the form of credit note is actually a discount and not a supply by the applicant to the supplier, no GST is leviable on receiver on cash discount/incentive/scheme offered by the supplier to applicant through credit note against supply without adjustment of GST.

 

o       The ruling is valid subject to the provisions under section 103(2) until and unless declared void under section 104(1) of the GST Act.

 

In summary, businesses must carefully distinguish between GST credit notes and commercial credit notes to avoid unnecessary ITC reversal. The key takeaway is that ITC reversal is not mandatory if the discount is offered through a commercial credit note and the supplier has not reduced their output tax liability.

Repercussions for Non-Payment of Consideration within 180 Days in GST Mechanism

 

Relevant provision :

          i.             Section 16(2) – Eligibility and Conditions for Taking Input Tax Credit

 

Second Proviso to Section 16(2):

"Provided further that where a recipient fails to pay to the supplier of goods or services or both, other than the supplies on which tax is payable on reverse charge basis, the amount towards the value of supply along with tax payable thereon within a period of one hundred and eighty days from the date of issue of invoice by the supplier, an amount equal to the input tax credit availed by the recipient shall be added to his output tax liability, along with interest thereon, in such manner as may be prescribed."

 

Third Proviso to Section 16(2):

"Provided also that the recipient shall be entitled to avail of the credit of input tax on payment made by him of the amount towards the value of supply of goods or services or both along with tax payable thereon."

 

         ii.             Rule 37 of the CGST Rules, 2017 – Reversal of ITC for Non-Payment

Text of Rule 37 (Before Amendment on 01-10-2022):

Rule 37(1):

"A registered person, who has availed of input tax credit on any inward supply of goods or services or both, but fails to pay to the supplier thereof, the value of such supply along with the tax payable thereon, within the time limit specified in the second proviso to sub-section (2) of section 16, shall furnish the details of such supply, the amount of value not paid and the amount of input tax credit availed of proportionate to such amount not paid to the supplier in FORM GSTR-2 for the month immediately following the period of one hundred and eighty days from the date of the issue of the invoice:

Provided that the value of supplies made without consideration as specified in Schedule I of the said Act shall be deemed to have been paid for the purposes of the second proviso to sub-section (2) of section 16."

 

Rule 37(2):

"The amount of input tax credit referred to in sub-rule (1) shall be added to the output tax liability of the registered person for the month in which the details are furnished."

 

Rule 37(3):

"The registered person shall be liable to pay interest at the rate notified under sub-section (1) of section 50 for the period starting from the date of availing credit on such supplies till the date when the amount added to the output tax liability, as mentioned in sub-rule (2), is paid."

 

        iii.             Rule 37 (Amended w.e.f. 01-10-2022 by Notification No. 19/2022-CT):

Revised Rule 37(1):

"A registered person, who has availed of input tax credit on any inward supply of goods or services or both, other than the supplies on which tax is payable on reverse charge basis, but fails to pay to the supplier thereof, the amount towards the value of such supply along with the tax payable thereon, within the time limit specified in the second proviso to sub-section (2) of section 16, shall pay an amount equal to the input tax credit availed in respect of such supply along with interest payable thereon under section 50, while furnishing the return in FORM GSTR-3B for the tax period immediately following the period of one hundred and eighty days from the date of the issue of the invoice."

 

Provided that the value of supplies made without consideration as specified in Schedule I of the said Act shall be deemed to have been paid for the purposes of the second proviso to sub-section (2) of section 16:

 

Provided further that the value of supplies on account of any amount added in accordance with the provisions of clause (b) of sub-section (2) of section 15 shall be deemed to have been paid for the purposes of the second proviso to sub-section (2) of section 16.;

 

Rule 37(2):

Where the said registered person subsequently makes the payment of the amount towards the value of such supply along with tax payable thereon to the supplier thereof, he shall be entitled to re-avail the input tax credit referred to in sub-rule (1).

 

Rule 37(3):  [ Omitted ]

 Prior to 01-10-2022: Procedural Issues

          I.             As per the second proviso to section 16(2) read with Rule 37, a registered person who has availed input tax credit on any inward supply of goods or services or both, but fails to pay to the supplier thereof, the value of such supply along with the tax payable thereon within the period of one hundred and eighty days from the date of the issue of the invoice, shall furnish the details of such supply in FORM GSTR-2 for the month immediately following the period of one hundred and eighty days from the date of the issue of the invoice and such amount of ITC shall be added to the output tax liability of the registered person for the month in which the details are furnished in GSTR-2.

 

·                The amount of value not paid and the proportionate amount of input tax credit availed shall be declared in FORM GSTR-2 for the month immediately following the period of one hundred and eighty days from the date of the issue of the invoice.

 

·                The amount of Input Tax Credit on invoices for which consideration has not been paid shall be added to the output liability of the registered person for the month in which details, as stated above, are furnished by him.

 

         II.             Now the mechanism to furnish GSTR-2 on the GST portal has not been made operational by the department. Therefore, details of such invoices cannot be furnished with the GST Department.

 

        III.             It was held in the case of COMMISSIONER OF INCOME-TAX, BANGALORE VERSUS BC SRINIVASA SETTY (AND OTHER APPEALS) [1981 (2) TMI 1 - SUPREME COURT] that if the machinery or mechanism is not provided to comply with the provisions of statute, the charging section shall fail. The charging provisions and the corresponding mechanism together constitute a integrated code. When there is a case that the corresponding mechanism cannot apply it all, it is evident that such a case was not intended to fall within the charging section. It must be borne in mind that the legislative intent is presumed to run uniformly through the entire conspectus of provisions.

 

       IV.             It can be argued that since the mechanism of declaring invoices on which credit has been availed (GSTR-2) has not been made available to the assessee and the output tax liability declared by him does nor demarcate and earmark the liability on account of nonpayment of consideration (as no such column has been provided in GST Returns) therefore we cannot be asked to pay any amount on account of interest. It is settled principle that the taxpayer cannot be made to suffer for no fault VISION DISTRIBUTION PVT. LTD. VERSUS COMMISSIONER, STATE GOODS & SERVICES TAX & ORS. [2019 (12) TMI 1048 - DELHI HIGH COURT] wherein it has been held that the taxpayer cannot be made to suffer on account of the failure of the Government in devising smooth GST systems).

 

        V.             Hence, before the Oct-22, it is led to practical challenges to compliance with procedure. The lack of functionality rendered the compliance procedure unworkable. Thus, department has made amendment in Rule 37 vide Notification No. 19/2022- CT dated 28.09.2022. [Amendment Provision provided in aforesaid para] to change the Word “GSTR-2” to “GSTR-3B”.

 After Amendment

Even after amendment it is to be noted that The input tax credit is indefeasible right of taxpayers and it is the property of taxpayer, the Government by inserting proviso to S. 16(2) and rule 37 i.e., for reversal of ITC in case of nonpayment of consideration within 180 days made an apparent absurdity is the GST law which is over riding the mutual agreements between supplier and recipient which may not be in line with the intention of the GST law which was to enable ITC to taxpayers.

 

Further, we would like to mentioned various parameter analysing the second proviso to Section 16(2);

          I.             Contractual obligation to pay vendors is beyond 180 days

 

·      The second proviso to Section 16(2) uses the term “fails to pay,” which indicates that the recipient has the intention to pay the supplier for the value of the supply along with the applicable tax but, for some reason, fails to do so within the stipulated time. Notably, the proviso does not use the term “non-payment.” There is a significant distinction between “failure to pay” and “non-payment.”

 

·      Non-payment arises only when a contractual obligation to make the payment exists, but the recipient is unable or unwilling to fulfill that obligation. In contrast, failure to pay presupposes that there was an agreed timeline for payment within 180 days, which the recipient neglected to meet.

 

 

·      This raises an important question: What if both the supplier and recipient have contractually agreed on a credit period that extends beyond 180 days? In such cases, can it truly be said that the recipient has "failed to pay"?

 

·      The Hon. Allahabad High Court in the case of Badri Prasad v. District Judge, Gonda (1983) All LJ 41 at 42 held that the parties can be said to have “failed to pay” only if it can be said that they neglected to do something which they were expected to do, or they left some possible or expected action unperformed. Further, several High Courts have analysed the meaning of “failure” in various cases viz.

 

 

“Failure” means that there is an omission on the part of the person to do something which it is possible for him to do – High Court of Karnataka in the case of THATTESSARA SUBBARAYA VERSUS CHINNE GOWDA AND ORS. - 1971 (9) TMI 193 - MYSORE HIGH COURT

 

“Failure” means non-fulfillment of an obligation imposed - High Court of Calcutta in the case of ROYAL CALCUTTA TURF CLUB VERSUS COMMISSIONER OF WEALTH-TAX - 1983 (5) TMI 17 - CALCUTTA HIGH COURT

 

"Failure” means not doing something that one is expected to do - High Court of Kerala in the case of KAVUNGAL KOOPPAKKATTU ZEENATH VERSUS MUNDAKKATTU SULFIKER ALI - 2008 (3) TMI 776 - KERALA HIGH COURT

 

·      By virtue of the above interpretations provided for the term 'failure', it is possible to contend that a failure can occur only in the presence of an obligation to do or perform an act. Accordingly, since the words used in the proviso are “fails to pay”, it is possible to contend that the above provision would only be triggered when contractually there is an obligation on the recipient to pay the amount within 180 days and the recipient subsequently fails to pay the amount within 180 days.

 

·      In case of payment terms beyond 180 days, it can be said that the proviso doesn't apply, and ideally there is no requirement of reversal in such cases.

 

        II.             Privity of Contract

·      The second proviso to Section 16(2) of the CGST Act, 2017, appears to undermine the principle of Privity of Contract between the recipient and supplier—a principle that is fundamental in contract law. In simple terms, Privity of Contract refers to the relationship between the parties involved in a contract, giving them the right to enforce contractual obligations against each other while preventing third parties from interfering or having any enforceable rights under that contract.

 

·      This raises a critical question: Does the second proviso to Section 16(2) override the principle of Privity of Contract and allow the government to interfere in a purely commercial transaction?

 

·      In essence, when the government imposes an obligation on the recipient to reverse ITC due to non-payment to the supplier (even though the tax has already been paid to the government by the supplier), it disrupts the commercial terms agreed upon between the parties. Such interference seems to go beyond the scope of taxation and ventures into the realm of private contracts, which ideally should remain governed by the contractual agreement between the supplier and recipient.

 

       III.             No Locus Standi of the Government

·      According to Section 16(2)(c) of the CGST Act, 2017, a recipient is eligible to claim final Input Tax Credit (ITC) only if the tax on the corresponding supply has been actually paid to the government by the supplier. Thus, once the government has received the tax amount from the supplier, it should have no locus standi in determining whether the recipient has paid the supplier or not.

 

·      As discussed above, the Privity of Contract is between the Supplier and Recipient and the Government has no role to play in case it has received due taxes.

 

 

·      The rationale behind the second proviso to Section 16(2) seems to be to prevent colorable devices—where a person with surplus ITC might attempt to transfer it without actual supply of goods or services. However, the provision, in its current form, often causes undue hardship to genuine business transactions, especially in cases of legitimate commercial delays or when businesses agree on extended payment terms. In such situations, the remedy of ITC reversal becomes worse than the problem it seeks to address, affecting numerous bona fide transactions.

 

      IV.             Contracts in Which Monies Are Retained

·      In large construction contracts and other similar agreements, it is a common practice for a certain percentage of the bill amount to be retained by the recipient until the successful completion of the project or the expiry of the warranty period. Additionally, deductions from the bill amount may be made for various reasons, such as penalties, quality-related issues, or delay in project timelines.

 

·      Under the existing provisions of Section 16(2) and Rule 37, the recipient is required to reverse proportionate Input Tax Credit (ITC) if the payment, including the retained amount, is not made to the supplier within 180 days from the invoice date. This causes significant hardship to taxpayers, as the reversal of ITC is mandated even though the retention of monies is contractually agreed upon and not due to non-payment or default.

 

·      Even when retention money is withheld, the government has already received the tax from the supplier. Therefore, forcing ITC reversal does not serve the purpose of safeguarding government revenue but instead increases compliance costs for businesses without any corresponding benefit.

 Interest on reversal of ITC

 I.             Section 50(1) of the CGST Act, 2017, deals with interest on delayed payment of tax, which states:

"Every person who is liable to pay tax in accordance with the provisions of this Act or the rules made thereunder, but fails to pay the tax or any part thereof to the Government within the period prescribed, shall pay interest at a notified rate for the period during which the tax remains unpaid."

 

However, Rule 37(1) requires a registered person to pay or reverse an amount equivalent to the input tax credit availed if payment to the supplier is not made within 180 days. It is essential to note that reversal of ITC under Rule 37 is not the same as non-payment of tax to the government.

 

·      Section 50(1) applies when a taxpayer fails to pay the tax to the government within the prescribed time. This failure results in a direct revenue loss to the government, and interest is charged to compensate for the delay.

 

·      Rule 37(1) does not involve a failure to pay tax but rather a temporary reversal of ITC, which is eventually re-availed upon payment to the supplier. Since the tax has already been paid by the supplier to the government, no revenue loss occurs, making Section 50(1) inapplicable to this situation.

 

The reversal of ITC under Rule 37 cannot be equated with "failure to pay tax" as envisaged under Section 50(1). Therefore, charging interest on such reversals under Section 50(1) is legally unwarranted and contradicts the purpose of the interest provision, which is meant to compensate for delayed payment of tax, not for delayed commercial settlements between contracting parties.

 

         II.             Section 50(3) of the CGST Act, 2017, applies in cases where input tax credit (ITC) has been wrongly availed and utilised, stating:

 

"A taxable person who makes an undue or excess claim of input tax credit under sub-section (10) of section 42 or undue or excess reduction in output tax liability under sub-section (10) of section 43 shall pay interest at a rate not exceeding twenty-four percent as notified by the Government."

 

However, in the case under discussion, ITC was neither wrongly availed nor improperly utilised. The ITC was correctly availed at the time of receipt of goods or services, meeting all the conditions under Section 16(2), including the supplier having paid the tax to the government. The reversal mandated under Rule 37 arises solely due to non-payment to the supplier within 180 days, which is a temporary adjustment rather than an indication of wrongful ITC claim or misuse.

 

·      Section 50(3) is triggered when ITC is wrongly claimed or utilised beyond what is lawfully allowed. This typically occurs in cases of fraud, misstatement, or errors leading to an undue credit claim.

 

·      Rule 37 reversal does not constitute a wrongful claim—the ITC was initially valid but is temporarily reversed due to a condition on payment terms. Once the payment is made, the same ITC is re-availed, demonstrating that there was no wrongful intent or excess utilisation.

 

Since the ITC was correctly availed and utilised in accordance with the law at the time of its availment, Section 50(3) does not apply to situations of ITC reversal under Rule 37. Charging interest under this provision would be misplaced and legally unjustified, as it is designed for undue or fraudulent credit claims, which is not the case here.

 

        III.             Rule 88B of the CGST Rules deals with the manner of calculating interest on delayed payment of tax. However, it does not cover the specific situation under discussion here, as the reversal of ITC under Rule 37 is not due to delayed payment of tax but rather due to the non-payment to the supplier within 180 days, triggering a temporary adjustment.

 

In the absence of clear provisions for calculating interest on such reversals, there is no method prescribed under Section 50(1) read with Section 50(2) or under Section 50(3) that would apply to this particular scenario. While Section 50(1) pertains to interest on delayed payment of tax, and Section 50(3) addresses interest on wrongfully availed or utilised ITC, neither section directly applies to situations like the one being discussed, where the ITC was initially valid but is reversed due to non-payment to the supplier.

 

·      Rule 88B governs interest calculation on delayed tax payments but does not encompass ITC reversals under Rule 37.

 

·      Sections 50(1) and 50(2) relate to delayed payment of tax, and Section 50(3) applies to wrongful ITC claims, neither of which apply to the temporary reversal under Rule 37.

 

·      No prescribed method exists for calculating interest in the case of ITC reversals due to non-payment within the 180-day period, creating a gap in the rules.

 

Until a specific provision is made to address this situation, it would be inappropriate to apply the interest calculation methods from Section 50(1), Section 50(2), or Section 50(3) to ITC reversals under Rule 37. The current legal framework does not prescribe a method to calculate interest in such circumstances, and any interest charge would not align with the legislative intent behind these sections.

 

       IV.             Interest is intended to be compensatory in nature. There has been no loss to the government, as the supplier has not been paid. Therefore, the government should not charge interest. If interest is levied, it would result in the recipient paying interest twice: once to the government and again to the supplier. Additionally, the interest paid by the recipient upon reversal of credit is not refundable when the invoice is paid to the supplier, even though the recipient can re-avail the input tax credit. If the levy of interest cannot be waived.

 

Revenue Neutrality

 

          I.             In a situation where a registered person has not made any adjustments in their books of accounts or returns filed with the department, and no output tax has been paid, despite the fact that the consideration has been paid subsequently, it raises important questions regarding the consequences and treatment of such cases.

 

         II.             The concept of revenue neutrality becomes relevant here. As per Rule 37(4), a registered person is entitled to re-avail the input tax credit (ITC) that was earlier reversed, provided the consideration for the goods or services has been paid. This provision suggests that the reversal is not final, and the ITC can be reinstated once the condition of payment is fulfilled.

 

        III.             The revenue neutrality concept ensures that, despite the reversal of ITC, the overall tax impact remains neutral when the consideration is eventually paid. If the consideration is paid after the ITC has been reversed, the registered person can treat the date of payment as the point when they are eligible to re-avail the ITC. This adjustment is based on the principle that the ITC was originally availed in good faith, and once the payment condition is met, the reversal becomes neutral.