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Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q47: Scenario: "Alpha Corp" purchased raw materials worth 5 Lakh rupees from a registered Micro Enterprise on January 1, 2026. The payment was made on April 15, 2026, which is 105 days later. According to Section 43B(h) of the Income Tax Act, what is the tax implication for Alpha Corp for the Financial Year 2025-26?

A
Alpha Corp must pay penal interest, but the entire 5 Lakh rupees is deductible as an expense in 2025-26.
B
The expense of 5 Lakh rupees will be disallowed for the Financial Year 2025-26 because payment was not made within the time limit.
C
Alpha Corp can claim the deduction in 2025-26 provided they pay the penal interest.
D
Section 43B(h) applies only if the supplier is a Medium Enterprise; hence no impact.
✅ Correct Answer: B
The correct implication is Disallowance of the Expense.
Section 43B(h) mandates that payments to Micro and Small Enterprises must be made within the time limits of the MSMED Act (maximum 45 days). If payment is delayed beyond this limit, the deduction for that expense is allowed only in the year the payment is actually made.
Alpha Corp incurred the expense in FY 2025-26 but paid it in FY 2026-27 (April 15). Since the payment was late (105 days is greater than 45 days), the expense is disallowed (added back to taxable income) for FY 2025-26.
They can only claim it in the next year's return.