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DCIT, Circle-1(1), Kolkata vs. Bandhan Financial Services Ltd

Case No: ITA No.1139/Kol/2025
Court: Income Tax Appellate Tribunal, 'A' Bench, Kolkata
Date: 11/11/2025

Parties Involved

appellantDCIT, Circle-1(1), Kolkata
respondentBandhan Financial Services Ltd

Facts Summary

The assessee, Bandhan Financial Services Ltd, a Non-Banking Financial Company (NBFC), filed its original return of income declaring a total income of Rs.422,02,20,590/- for the assessment year 2014-15. The case was selected for scrutiny, and the Assessing Officer disallowed Rs.9,70,45,226/- on account of 'Social Welfare Expenses'. The assessee appealed to the Commissioner of Income Tax (Appeals)-27, Kolkata [‘CIT(A)’], who allowed the appeal. The revenue then appealed to the Income Tax Appellate

Decision in favour of

Assessee

Legal Issues

  • 1. Whether the CIT(A) erred in allowing 'Social Welfare Expenses' of Rs. 9,70,45,226/- towards disbursement of insurance claim to the borrowers without considering that the relevant claims of the borrowers were rejected by the insurance company.
  • 2. Whether the CIT(A) erred in allowing 'Social Welfare Expenses' without considering that the mode of payment in cash was not eligible for deduction u/s. 40A(3) of the Income Tax Act, 1961.

5 more legal issues analysed in this judgement.

Precedents Relied Upon

4 precedents cited in this judgement.

Judgment Outcome

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