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Financial Statements - II

NCERT Class 11 · Accountancy Based on NCERT Class 11 Accountancy textbook · Free CBSE study kit

Chapter Notes

COMPREHENSIVE CHAPTER NOTES: FINANCIAL STATEMENTS - II

NEED FOR ADJUSTMENTS IN FINANCIAL STATEMENTS

**Definition:** Adjustments are modifications made to accounts at the time of preparing financial statements to ensure they reflect the true and fair view of profitability and financial position based on the **accrual concept of accounting**.

**Why Adjustments are Necessary:**

  • The **accrual concept** requires that revenues be recognized when earned (not when cash is received) and expenses when incurred (not when cash is paid)
  • Many transactions span multiple accounting periods; portions must be allocated to the correct period
  • Some incomes and expenses are not recorded on a day-to-day basis and must be adjusted at year-end
  • Without adjustments, the Profit & Loss Account and Balance Sheet would not show the true profit/loss and true financial position
  • **Example:** Insurance premium of ₹1,200 paid on July 1, 2016 for 12 months. By March 31, 2017 (end of accounting year), only 9 months' benefit has been received. Three months' premium (₹300) belongs to the next financial year 2017-18. Therefore, insurance expense for 2016-17 should be ₹900, not ₹1,200.

    **Another Example:** Salaries for March 2017 paid on April 7, 2017 represent **outstanding expenses** for the year 2016-17 and must be included in that year's P&L account.

    **Items Requiring Adjustments:**

    1. Closing stock

    2. Outstanding expenses

    3. Prepaid/Unexpired expenses

    4. Accrued income

    5. Income received in advance

    6. Depreciation

    7. Bad debts

    8. Provision for doubtful debts

    9. Provision for discount on debtors

    10. Manager's commission

    11. Interest on capital

    **Key Principle:** All adjustments affect the financial statements in TWO places to maintain the double-entry system—one side of Trading A/c or P&L A/c and one side of Balance Sheet.

    ---

    CLOSING STOCK

    **Definition:** Closing stock represents the cost of unsold/unconsumed goods lying in the stores/warehouse at the end of the accounting period.

    **Accounting Treatment:**

    **Method 1: Adjustment Through Trading Account**

    Journal Entry:

    ```

    Closing Stock A/c Dr. [Amount]

    To Trading A/c [Amount]

    ```

  • Closing stock is **credited** to the Trading Account (reduces COGS, increases GP)
  • Closing stock is shown on the **asset side of Balance Sheet** as a current asset
  • **Method 2: Adjustment Through Purchases Account**

    Journal Entry:

    ```

    Closing Stock A/c Dr. [Amount]

    To Purchases A/c [Amount]

    ```

  • Opening stock journal entry: `Purchases A/c Dr. / To Opening Stock A/c`
  • Under this method, **adjusted purchases** (Purchases – Closing Stock + Opening Stock) is shown in Trading Account
  • Closing stock is shown **both** in trial balance and on Balance Sheet asset side
  • Opening stock is **not** separately shown in trial balance or Trading Account
  • **Important Distinction:**

  • If closing stock appears as **additional information**, use Method 1
  • If closing stock appears in the **trial balance itself**, use Method 2
  • When closing stock is adjusted through Purchases A/c, it should **not be shown separately** in the Trading A/c credit side
  • **Example:** Ankit's trial balance shows opening stock of ₹10,000 and purchases of ₹75,000. Closing stock is ₹15,000.

    Using Method 1:

    ```

    Trading Account (Dr. side shows):

    Purchases 75,000

    Closing Stock (Cr. side) (15,000)

    Adjusted Cost of Goods Sold 60,000

    ```

    **Balance Sheet Treatment:** Closing stock is displayed under **Current Assets** section.

    ---

    OUTSTANDING EXPENSES

    **Definition:** Outstanding expenses (or accrued expenses) are expenses that have been **incurred during the accounting period but remain unpaid** at the end of that period. They relate to the current year's revenue earning.

    **Examples:** Unpaid wages, unpaid salaries, unpaid interest on loans, unpaid rent, unpaid electricity bills.

    **Journal Entry Format:**

    ```

    Concerned Expense A/c Dr. [Amount]

    To Outstanding [Expense Name] A/c [Amount]

    ```

    **Accounting Treatment:**

    1. **In P&L Account (Debit Side):**

  • Add the outstanding amount to the existing expense balance
  • Show as: `Salary A/c ₹25,000 + Outstanding Salary ₹500 = ₹25,500`
  • 2. **In Balance Sheet (Liability Side):**

  • Shown as a **Current Liability** under the heading "Outstanding [Expense Name]"
  • Represents a claim by creditors/employees on the business
  • **Worked Example:**

    Assume Ankit's trial balance shows Wages = ₹8,000. Additional information states wages of ₹500 for March 2017 were paid in April 2017.

    Journal Entry:

    ```

    Wages A/c Dr. 500

    To Wages Outstanding A/c 500

    ```

    **P&L Account Treatment:**

    ```

    Expenses side:

    Wages 8,000

    Add: Outstanding Wages 500

    8,500

    ```

    **Balance Sheet Treatment:**

    ```

    Current Liabilities:

    Wages Outstanding 500

    ```

    **Effect on Profit:** Outstanding expenses **decrease net profit** because they increase total expenses recognized in the accounting period.

    **Important Note:** Only the portion relating to the current accounting year should be outstanding. For example, if salaries from February and March 2017 are unpaid but paid in April, only the March amount (₹X) is outstanding for year 2016-17, not February's.

    ---

    PREPAID EXPENSES

    **Definition:** Prepaid expenses (or unexpired expenses) are **expenses paid during the current accounting period but the benefits of which will be received in future accounting periods**. The portion relating to future periods should not be charged to the current year.

    **Examples:** Insurance premiums paid in advance, rent paid in advance, subscriptions paid for future periods, salaries paid in advance.

    **Journal Entry Format:**

    ```

    Prepaid [Expense Name] A/c Dr. [Amount]

    To Concerned Expense A/c [Amount]

    ```

    **Accounting Treatment:**

    1. **In P&L Account (Expense Side):**

  • **Deduct** the prepaid amount from the total expense shown in trial balance
  • Show as: `Salary A/c ₹25,000 – Prepaid Salary ₹5,000 = ₹20,000`
  • 2. **In Balance Sheet (Asset Side):**

  • Shown as a **Current Asset** under the heading "Prepaid [Expense Name]"
  • Represents a benefit (right to goods/services) not yet received
  • **Worked Example:**

    Ankit's trial balance shows Salary = ₹25,000. Additional information states ₹5,000 of this was paid in advance to an employee for future services (not yet rendered).

    Journal Entry:

    ```

    Prepaid Salary A/c Dr. 5,000

    To Salary A/c 5,000

    ```

    **P&L Account Treatment:**

    ```

    Salary 25,000

    Less: Prepaid Salary (5,000)

    Salary Expense (current period) 20,000

    ```

    **Balance Sheet Treatment:**

    ```

    Current Assets:

    Prepaid Salary 5,000

    ```

    **Effect on Profit:** Prepaid expenses **increase net profit** by reducing the expenses charged to the current period.

    **Distinction from Outstanding Expenses:**

  • **Outstanding expenses** = paid in future, charged to current period (decreases profit)
  • **Prepaid expenses** = paid in current period, charged to future periods (increases profit)
  • Outstanding → Current Liability; Prepaid → Current Asset
  • ---

    ACCRUED INCOME

    **Definition:** Accrued income (or outstanding income) is **income earned during the current accounting period but not yet received in cash** by the end of that period. It belongs to the current year's revenue.

    **Examples:** Accrued interest on loans given, accrued commission from agents, accrued rent from property, accrued professional fees.

    **Journal Entry Format:**

    ```

    Accrued [Income Name] A/c Dr. [Amount]

    To Concerned Income A/c [Amount]

    ```

    **Accounting Treatment:**

    1. **In P&L Account (Credit Side):**

  • **Add** the accrued amount to the existing income balance
  • Show as: `Commission Received ₹5,000 + Accrued Commission ₹1,500 = ₹6,500`
  • 2. **In Balance Sheet (Asset Side):**

  • Shown as a **Current Asset** under the heading "Accrued [Income Name]"
  • Represents a debtor claim—amount due from others to the business
  • **Worked Example:**

    Ankit's trial balance shows Commission Received = ₹5,000. Additional information states commission of ₹1,500 from another businessman was earned in March 2017 but received in April 2017.

    Journal Entry:

    ```

    Accrued Commission A/c Dr. 1,500

    To Commission A/c 1,500

    ```

    **P&L Account Treatment:**

    ```

    Commission Received 5,000

    Add: Accrued Commission 1,500

    Total Income (current period) 6,500

    ```

    **Balance Sheet Treatment:**

    ```

    Current Assets:

    Accrued Commission 1,500

    ```

    **Effect on Profit:** Accrued income **increases net profit** because income earned is recognized even though cash is not received.

    **Important Distinction:**

  • **Accrued Income** = earned in current year, received in future (increases current profit)
  • **Income Received in Advance** = received in current year, earned in future (decreases current profit)
  • Accrued Income → Current Asset; Income in Advance → Current Liability
  • ---

    INCOME RECEIVED IN ADVANCE

    **Definition:** Income received in advance (or unearned income) is **income received in cash during the current accounting period but the benefit/service has not yet been provided**. It relates to future periods' revenue.

    **Examples:** Advance rent received from tenants, advance subscription fees received, advance commission received before services rendered.

    **Journal Entry Format:**

    ```

    Concerned Income A/c Dr. [Amount]

    To Income Received in Advance A/c [Amount]

    ```

    **Accounting Treatment:**

    1. **In P&L Account (Credit Side):**

  • **Deduct** the advance amount from the total income shown in trial balance
  • Show as: `Rent Received ₹12,000 – Rent Received in Advance ₹3,000 = ₹9,000`
  • 2. **In Balance Sheet (Liability Side):**

  • Shown as a **Current Liability** under the heading "Income Received in Advance"
  • Represents an obligation to provide goods/services in the future
  • **Worked Example:**

    Ankit subleted part of the building from March 31, 2017 at ₹1,000 per month. The tenant gave advance rent for April, May, and June 2017 = ₹3,000, which was credited to rent received account.

    Journal Entry:

    ```

    Rent Received A/c Dr. 3,000

    To Rent Received in Advance A/c 3,000

    ```

    **P&L Account Treatment:**

    ```

    Rent Received 3,000

    Less: Rent Received in Advance (3,000)

    Rent Earned (current period) 0

    ```

    **Balance Sheet Treatment:**

    ```

    Current Liabilities:

    Rent Received in Advance 3,000

    ```

    **Effect on Profit:** Income received in advance **decreases net profit** (or keeps it unchanged) by excluding unearned income from current year's revenue.

    **Distinction from Accrued Income:**

    | Accrued Income | Income in Advance |

    |---|---|

    | Earned in current year | Received in current year |

    | Received in future | Earned in future |

    | Increases current profit | Decreases current profit |

    | Current Asset | Current Liability |

    ---

    DEPRECIATION

    **Definition:** **Depreciation is the systematic reduction in the book value (or cost) of a fixed asset due to wear and tear, passage of time, obsolescence, or change in market demand.** It is a non-cash expense charged against revenue each accounting period.

    **Key Characteristics:**

  • Applies only to **tangible fixed assets** (machinery, furniture, buildings, vehicles, equipment)
  • Does **not** apply to land (appreciating asset) or intangible assets (which are amortized)
  • Recognized as a **business expense** and debited to P&L Account
  • Actual cash is **not paid**; it's an accounting charge to match the asset's use with revenue
  • **Why Depreciation is Charged:**

    1. To match the cost of asset with the revenue it generates

    2. To show the true financial position by reducing asset value on Balance Sheet

    3. To comply with the **matching concept** of accounting

    4. For tax purposes (depreciation is tax-deductible)

    **Methods of Calculating Depreciation (as per CBSE syllabus):**

    **Method 1: Straight Line Method (SLM) / Fixed Installment Method**

    **Formula:**

    ```

    Annual Depreciation = (Cost of Asset – Scrap Value) / Useful Life in Years

    ```

    **Or:**

    ```

    Annual Depreciation = (Original Cost – Residual Value) / Life of Asset

    ```

    **Characteristics:**

  • Depreciation is the **same amount every year**
  • Asset depreciates uniformly over its useful life
  • **Most commonly used** in practice and for CBSE exams
  • Suitable for assets like furniture, buildings, leasehold property
  • **Worked Example:**

    Cost of Furniture = ₹15,000

    Scrap Value = ₹3,000

    Useful Life = 4 years

    Annual Depreciation = (15,000 – 3,000) / 4 = **₹3,000 per year**

    Year 1: Book Value = 15,000 – 3,000 = ₹12,000

    Year 2: Book Value = 12,000 – 3,000 = ₹9,000

    Year 3: Book Value = 9,000 – 3,000 = ₹6,000

    Year 4: Book Value = 6,000 – 3,000 = ₹3,000 (Scrap Value)

    **Method 2: Written Down Value Method (WDV) / Diminishing Balance Method**

    **Formula:**

    ```

    Annual Depreciation = Book Value at Beginning of Year × Rate of Depreciation %

    ```

    **Characteristics:**

  • Depreciation is **calculated on reducing balance** each year
  • Amount of depreciation **decreases each year**
  • **Higher depreciation in early years**, lower in later years
  • Matches the actual pattern of asset deterioration
  • Suitable for vehicles, machinery, plant & equipment
  • **Worked Example:**

    Cost of Machine = ₹10,000

    Rate of Depreciation = 20% per annum (Diminishing Balance)

    Year 1: Depreciation = 10,000 × 20% = ₹2,000

    Book Value at end = 10,000 – 2,000 = ₹8,000

    Year 2: Depreciation = 8,000 × 20% = ₹1,600

    Book Value at end = 8,000 – 1,600 = ₹6,400

    Year 3: Depreciation = 6,400 × 20% = ₹1,280

    Book Value at end = 6,400 – 1,280 = ₹5,120

    **Journal Entry for Depreciation:**

    ```

    Depreciation A/c (or Depreciation Expense A/c) Dr. [Amount]

    To Asset A/c (or Provision for Depreciation A/c) [Amount]

    ```

    **Two Methods of Recording Depreciation in Books:**

    **Method A: Direct Reduction of Asset**

    ```

    Depreciation A/c Dr. 3,000

    To Furniture A/c 3,000

    ```

  • Asset account is directly reduced
  • Balance Sheet shows asset at Net Book Value only
  • Simpler but loses record of original cost
  • **Method B: Using Provision/Accumulated Depreciation Account (Preferred)**

    ```

    Depreciation A/c Dr. 3,000

    To Provision for Depreciation A/c 3,000

    ```

  • Asset account shows original cost
  • Provision account accumulates depreciation
  • Balance Sheet shows: Furniture ₹15,000; Less: Provision ₹3,000 = ₹12,000
  • Maintains historical cost information
  • **Treatment in Financial Statements:**

    **P&L Account (Debit Side):**

    ```

    Depreciation 3,000

    ```

    **Balance Sheet (Asset Side):**

    ```

    Non-Current Assets:

    Furniture 15,000

    Less: Provision for Depreciation (3,000)

    Net Book Value 12,000

    ```

    **Or simply:**

    ```

    Furniture (at Net Book Value) 12,000

    ```

    **Important Points:**

  • Depreciation is charged **from the date of acquisition**, not from the first day of the accounting period
  • If asset is purchased mid-year, depreciation is calculated **pro-rata** (for portion of year held)
  • For assets purchased on March 31 (last day of year), depreciation is typically charged from the **next financial year**
  • Scrap/Salvage value is the estimated value at end of useful life
  • **Land is never depreciated** (appreciating asset); buildings on land are depreciated
  • **Distinction: Depreciation vs. Repairs**

    | Depreciation | Repairs |

    |---|---|

    | Decline in asset value | Restoration of asset value |

    | Non-cash charge | Cash outflow |

    | Capitalized over asset's life | Expensed immediately |

    | Debited to P&L A/c | Debited to Repairs A/c |

    ---

    BAD DEBTS

    **Definition:** **Bad debts are debts (amounts owed by debtors) that are considered uncollectible and are irrecoverable.** They arise when customers fail to pay their dues despite reasonable collection efforts.

    **Examples:** A customer goes bankrupt and cannot pay outstanding bill; a customer dies leaving no estate; a customer disappears and cannot be traced.

    **Journal Entry for Bad Debt Write-off:**

    ```

    Bad Debts A/c Dr. [Amount]

    To Debtors A/c [Amount]

    ```

    **Or:**

    ```

    Bad Debts A/c Dr. [Amount]

    To [Customer Name] A/c [Amount]

    ```

    **Accounting Treatment:**

    1. **In P&L Account (Debit/Expense Side):**

  • Bad debts are shown as an **expense**
  • Listed with other operating expenses
  • Reduces net profit
  • 2. **In Balance Sheet (Asset Side):**

  • Debtors are shown **after deducting bad debts**
  • Show as: `Debtors ₹15,500; Less: Bad Debts ₹4,500 = ₹11,000`
  • Or simply show: `Debtors (Net) ₹11,000`
  • **Worked Example:**

    Ankit's trial balance shows Debtors = ₹15,500 and Bad Debts = ₹4,500.

    These figures indicate:

  • ₹4,500 of debts was already written off during the year (accounting entry already made)
  • The ₹4,500 appears in trial balance as an expense account
  • Debtors of ₹15,500 represents amounts still due and potentially collectible
  • **P&L Account Treatment:**

    ```

    Bad Debts (Expense) 4,500

    ```

    **Balance Sheet Treatment:**

    ```

    Current Assets:

    Debtors 15,500

    Less: Bad Debts (4,500)

    11,000

    ```

    **Or alternative format:**

    ```

    Current Assets:

    Debtors (Net of Bad Debts) 11,000

    ```

    **Key Point:** When bad debts appear in the trial balance, they are:

  • Already written off during the year
  • Shown as an **expense** (so they reduce profit)
  • **Already deducted from the Debtors account** in the ledger
  • The trial balance Debtors figure is already net of bad debts that have been formally recorded
  • **Types of Bad Debt Scenarios:**

    **Scenario 1: Bad Debt Already Recorded**

  • Bad Debts A/c appears in trial balance
  • Show bad debts in P&L as expense
  • Show reduced debtors in Balance Sheet
  • **Scenario 2: Additional Bad Debt (as adjustment)**

  • Additional information states: "Bad debts of ₹500 should be written off"
  • Bad Debts A/c does NOT appear in trial balance
  • Journal Entry: `Bad Debts A/c Dr. 500 / To Debtors A/c Cr. 500`
  • Add ₹500 to any existing bad debts in P&L
  • Deduct ₹500 from Debtors in Balance Sheet
  • **Difference from Provision for Doubtful Debts:**

  • **Bad Debts:** Known, confirmed, definitely uncollectible → Written off completely
  • **Provision for Doubtful Debts:** Estimated, uncertain, possibly uncollectible → Reserve created
  • ---

    PROVISION FOR DOUBTFUL DEBTS

    **Definition:** **Provision for Doubtful Debts is a reserve created to cover anticipated losses from debts that may become irrecoverable but whose non-recovery has not yet been confirmed.** It is a prudent accounting practice based on the **concept of conservatism**.

    **Why it is Created:**

    1. Some debtors may become insolvent in future

    2. Some customers may not pay dues completely

    3. To show a realistic figure of debtors' asset value

    4. To comply with **conservatism principle** (don't overstate assets)

    5. To match bad debt losses with the period in which credit was granted

    **Journal Entry for Creating/Maintaining Provision:**

    ```

    Provision for Doubtful Debts A/c Dr. [Amount]

    To Debtors A/c [Amount]

    ```

    **Or:**

    ```

    Bad Debts (or Doubtful Debts) A/c Dr. [Amount]

    To Provision for Doubtful Debts A/c [Amount]

    ```

    **Accounting Treatment:**

    1. **In P&L Account (Debit/Expense Side):**

  • Shown as an **expense** (called Doubtful Debts or Bad Debts Expense)
  • Listed with operating expenses
  • Reduces net profit
  • 2. **In Balance Sheet (Asset Side):**

  • Debtors are shown **after deducting the provision**
  • Format: `Debtors ₹15,500; Less: Provision for Doubtful Debts ₹500 = ₹15,000`
  • The provision is **subtracted from gross debtors** to show net realizable value
  • **Worked Example:**

    Assume Debtors in trial balance = ₹15,500. No provision has been created. Additional information states: "Make provision for doubtful debts @ 5% on debtors."

    Calculation:

    Provision = 15,500 × 5% = **₹775**

    Journal Entry (at year-end):

    ```

    Bad Debts/Doubtful Debts A/c Dr. 775

    To Provision for Doubtful Debts A/c 775

    ```

    **P&L Account Treatment:**

    ```

    Bad Debts/Doubtful Debts (Expense) 775

    ```

    **Balance Sheet Treatment:**

    ```

    Current Assets:

    Debtors 15,500

    Less: Provision for Doubtful Debts (775)

    Net Debtors 14,725

    ```

    **When Provision Already Exists:**

    Assume in the previous example, provision of ₹500 was already created last year and appears in the trial balance. New provision is to be ₹775.

    **Required Adjustment = New Provision (₹775) – Old Provision (₹500) = ₹275**

    Journal Entry:

    ```

    Bad Debts/Doubtful Debts A/c Dr. 275

    To Provision for Doubtful Debts A/c 275

    ```

    **OR shown in P&L as:**

    ```

    Add: Provision for Doubtful Debts 275

    ```

    **When Provision Should Be Reduced:**

    If old provision (₹500) is more than new required provision (₹300):

    Reduction = ₹500 – ₹300 = ₹200 (credit to profit)

    Journal Entry:

    ```

    Provision for Doubtful Debts A/c Dr. 200

    To Bad Debts/Doubtful Debts A/c 200

    ```

    **Shown in P&L as:**

    ```

    Less: Recovery of provision (200)

    ```

    **Common Bases for Creating Provision:**

  • **Percentage of Debtors:** 2%, 5%, 10% depending on business risk
  • **Percentage of Credit Sales:** Typically 2-5% of credit sales
  • **Age-wise Analysis:** Older debts attract higher percentage
  • **Specific Analysis:** Individual debtor creditworthiness assessment
  • **Important Distinctions:**

    | Bad Debts | Provision for Doubtful Debts |

    |---|---|

    | Known, certain loss | Estimated, uncertain loss |

    | Already uncollectible | Possibly uncollectible |

    | Written off completely | Reserve created |

    | Amount is definite | Amount is estimate |

    | Debtors account is reduced | Debtors not reduced; separate account |

    | Appears in trial balance as expense | Created by adjustment entry |

    ---

    PROVISION FOR DISCOUNT ON DEBTORS

    **Definition:** **Provision for Discount on Debtors is a reserve created for discounts that may be granted to debtors for prompt payment.** It recognizes that some debtors may be allowed cash discount if they pay within a certain period.

    **Why it is Created:**

    1. To incentivize debtors to pay early

    2. To provide for the expense of anticipated discounts

    3. Based on the **conservatism principle**

    4. To show realistic profit and financial position

    5. Common in businesses offering trade discounts for early payment

    **Journal Entry:**

    ```

    Discount on Debtors A/c Dr. [Amount]

    To Provision for Discount on Debtors A/c [Amount]

    ```

    **Or:**

    ```

    Profit & Loss A/c Dr. [Amount]

    To Provision for Discount on Debtors A/c [Amount]

    ```

    **Accounting Treatment:**

    1. **In P&L Account (Debit/Expense Side):**

  • Shown as a **business expense**
  • Reduces net profit
  • Listed with other provisions/adjustments
  • 2. **In Balance Sheet (Asset Side):**

  • **Debtors are shown after deducting the provision**
  • Format: `Debtors ₹15,500; Less: Provision for Discount ₹500 = ₹15,000`
  • Alternatively shown as: `Debtors (after discount provision) ₹15,000`
  • **Worked Example:**

    Assume Debtors = ₹20,000. Additional information states: "Make provision for discount on debtors @ 2%."

    Calculation:

    Provision = 20,000 × 2% = **₹400**

    Journal Entry:

    ```

    Discount on Debtors A/c Dr. 400

    To Provision for Discount on Debtors A/c 400

    ```

    **P&L Account Treatment:**

    ```

    Discount on Debtors (Expense) 400

    ```

    **Balance Sheet Treatment:**

    ```

    Current Assets:

    Debtors 20,000

    Less: Provision for Discount (400)

    Net Debtors 19,600

    ```

    **When Multiple Provisions Exist:**

    If both bad debts provision and discount provision exist:

    ```

    Debtors 20,000

    Less: Bad Debts 500

    Less: Provision for Doubtful Debts 300

    Less: Provision for Discount 400

    Net Debtors 18,800

    ```

    **OR shown as:**

    ```

    Debtors 20,000

    Less: Provision for Bad Debts,

    Doubtful Debts & Discount (1,200)

    Net Debtors 18,800

    ```

    **Adjustment When Provision Changes:**

    If old provision = ₹300 and new required = ₹400:

    Additional provision needed = ₹400 – ₹300 = ₹100

    Journal Entry:

    ```

    Discount on Debtors A/c Dr. 100

    To Provision for Discount on Debtors A/c 100

    ```

    **Key Differences:**

    | Provision for Doubtful Debts | Provision for Discount on Debtors |

    |---|---|

    | For debts that may not be paid | For discounts that will be given |

    | Loss due to non-recovery | Loss due to early payment discount |

    | Based on debtor credit risk | Based on debtors' payment incentive |

    | Reduces value of debtors | Reduces value of debtors |

    | Higher percentage typically | Lower percentage typically |

    ---

    MANAGER'S COMMISSION

    **Definition:** **Manager's Commission is remuneration paid to the manager, usually calculated as a percentage of profit, for managing the business.** It is a charge against profit and reduces the net profit available to the owner.

    **Bases of Commission Calculation:**

    1. **On Gross Profit:** Commission = Gross Profit × %

    2. **On Net Profit (before commission):** Commission = Profit before commission × %

    3. **On Net Profit (after commission):** Commission = Profit after commission × %

    4. **Fixed Amount:** A predetermined fixed sum per period

    5. **Combined:** Salary + Percentage of profit

    **Accounting Treatment:**

    **Case 1: Commission Already Paid (appears in trial balance)**

    If Manager's Commission A/c appears in trial balance:

  • It represents commission already paid during the year
  • Show in P&L Account as **an expense**
  • Reduces net profit
  • Journal Entry (already recorded):

    ```

    Manager's Commission A/c Dr. [Amount]

    To Cash/Bank A/c [Amount]

    ```

    **Case 2: Commission to be Accrued (appears as additional information)**

    Journal Entry (at year-end):

    ```

    Manager's Commission A/c Dr. [Amount]

    To Commission Payable A/c [Amount]

    ```

    **Treatment in Financial Statements:**

    **P&L Account (Debit/Expense Side):**

    ```

    Manager's Commission [Amount]

    ```

    If commission is accrued:

    ```

    Manager's Commission (already paid) [Amount paid]

    Add: Commission Outstanding [Accrued amount]

    Total Commission Expense [Total]

    ```

    **Balance Sheet:**

  • **If already paid:** No separate entry needed
  • **If accrued:** Shown as Current Liability - "Commission Payable" or "Outstanding Commission"
  • **Worked Example 1: Commission on Gross Profit**

    Gross Profit = ₹50,000

    Manager's Commission = 5% of Gross Profit

    Commission = 50,000 × 5% = **₹2,500**

    Journal Entry:

    ```

    Manager's Commission A/c Dr. 2,500

    To Commission Payable A/c 2,500

    ```

    **P&L Account (after closing entry):**

    ```

    Gross Profit b/d 50,000

    Manager's Commission (5%) (2,500)

    Net Profit 47,500

    ```

    **Worked Example 2: Commission on Net Profit (before commission)**

    Net Profit before commission = ₹40,000

    Manager's Commission = 10% of Profit before Commission

    Commission = 40,000 × 10% = **₹4,000**

    Journal Entry:

    ```

    Manager's Commission A/c Dr. 4,000

    To Commission Payable A/c 4,000

    ```

    **P&L Account:**

    ```

    Profit before Commission 40,000

    Manager's Commission (4,000)

    Net Profit after Commission 36,000

    ```

    **Worked Example 3: Commission on Net Profit (after commission)**

    Profit before commission = ₹50,000

    Commission = 10% of profit **after** commission

    Let Commission = X

    Then: X = (50,000 – X) × 10%

    X = 5,000 – 0.10X

    1.10X = 5,000

    X = 5,000 / 1.10 = **₹4,545.45**

    Or using formula:

    ```

    Commission = (Profit before Commission × Rate) / (100 + Rate)

    = (50,000 × 10) / 110

    = ₹4,545.45

    ```

    ---

    INTEREST ON

    MCQs — 10 Questions with Answers

    Q1. According to the accrual concept of accounting, profit for an accounting year is based on:

    • A. Revenues realised in cash and expenses paid in cash
    • B. Revenues earned and expenses incurred, regardless of cash received or paid ✓
    • C. Only cash inflows minus cash outflows
    • D. Closing stock minus opening stock

    Answer: B — Accrual accounting records revenues when earned (not when cash is received) and expenses when incurred (not when cash is paid), regardless of actual cash transactions.

    Q2. Salaries for March 2017 were paid on April 7, 2017. If the accounting year ends on March 31, 2017, how should this be treated?

    • A. Salaries are not recorded as they were paid in the next year
    • B. Outstanding salaries of March should be added to salaries expense and shown as current liability ✓
    • C. The entire April payment is deferred to next year
    • D. Salaries are recorded only when cash is paid

    Answer: B — Outstanding expenses must be accrued in the current year (debited to expense, credited as liability) to match expenses with the period they relate to, following accrual accounting.

    Q3. Insurance premium of ₹1,200 was paid on July 1, 2016 for 12 months. If the accounting year ends March 31, 2017, the insurance expense for 2016-17 should be:

    • A. ₹1,200
    • B. ₹900 ✓
    • C. ₹300
    • D. ₹1,500

    Answer: B — From July 1, 2016 to March 31, 2017 is 9 months; insurance expense = (9/12) × ₹1,200 = ₹900; remaining ₹300 is prepaid (asset for next year).

    Q4. Which of the following statements about closing stock is correct?

    • A. Closing stock is debited in the trading account to increase cost of goods sold
    • B. Closing stock is credited in the trading account and shown as an asset in the balance sheet ✓
    • C. Closing stock appears only in the profit and loss account, not the balance sheet
    • D. Closing stock is recorded as an expense in the profit and loss account

    Answer: B — Closing stock reduces cost of goods sold (credited to trading account) and represents unsold inventory (asset in balance sheet), demonstrating the double entry principle.

    Q5. Accrued income of ₹2,000 has been earned but not yet received. The correct journal entry is:

    • A. Accrued Income A/c Dr. 2,000 / To Revenue A/c 2,000 ✓
    • B. Cash A/c Dr. 2,000 / To Accrued Income A/c 2,000
    • C. Accrued Income A/c Dr. 2,000 / To Revenue A/c 2,000
    • D. Revenue A/c Dr. 2,000 / To Accrued Income A/c 2,000

    Answer: A — Accrued income is an asset (debit accrued income account) earned but not received; the credit side recognizes revenue earned in the current year.

    Q6. A business receives ₹6,000 in advance for services to be provided over the next 6 months. How should this be classified in the current year's balance sheet?

    • A. Current asset
    • B. Current liability ✓
    • C. Long-term liability
    • D. Expense in profit and loss account

    Answer: B — Income received in advance is a current liability because the business has an obligation to provide services; it is recognized as revenue only when earned.

    Q7. Which adjustment item would INCREASE net profit in the current year?

    • A. Outstanding salaries
    • B. Prepaid rent expense ✓
    • C. Bad debts written off
    • D. Accrued wages payable

    Answer: B — Prepaid rent reduces current year rent expense (because part paid belongs to next year), thereby increasing net profit; outstanding items and bad debts decrease profit.

    Q8. The trial balance shows rent expense of ₹12,000. Additional information states that ₹2,000 rent was paid for the next year. The correct treatment is: Statement 1: Rent expense in P&L should be ₹10,000 Statement 2: Prepaid rent of ₹2,000 should appear as a current asset

    • A. Both statements are correct ✓
    • B. Both statements are incorrect
    • C. Only Statement 1 is correct
    • D. Only Statement 2 is correct

    Answer: A — Prepaid rent reduces the current year expense (₹12,000 – ₹2,000 = ₹10,000) and appears as a current asset in the balance sheet, following double entry principle.

    Q9. A provision for doubtful debts is different from bad debts because: Statement 1: Bad debts are confirmed irrecoverable amounts already written off Statement 2: Provision for doubtful debts is an estimated reserve for debtors who might not pay

    • A. Both statements are correct ✓
    • B. Both statements are incorrect
    • C. Only Statement 1 is correct
    • D. Only Statement 2 is correct

    Answer: A — Bad debts are definite losses already identified, while provision is a prudent estimate for potential losses not yet confirmed, both affecting profit but treated differently.

    Q10. Manager's commission is calculated at 5% of profit before commission. If profit before commission is ₹50,000, the commission is ₹2,500. What should be the final net profit after recording this adjustment? Statement 1: Final net profit = ₹50,000 – ₹2,500 = ₹47,500 Statement 2: Commission should be calculated on ₹47,500, making the calculation recursive

    • A. Both statements are correct, but Statement 1 gives the answer in this case ✓
    • B. Only Statement 1 is correct
    • C. Both statements are incorrect
    • D. Only Statement 2 is correct

    Answer: A — When commission is stated as 'on profit before commission,' it is simply deducted (₹47,500); if stated as 'on profit after commission,' a recursive formula applies (₹50,000 ÷ 1.05 = ₹47,619).

    Flashcards

    What is the fundamental reason adjustments are needed in financial statements?

    Because accrual basis accounting requires revenues to be recorded when earned (not received) and expenses when incurred (not paid), necessitating adjustments for timing differences.

    How is closing stock treated in the trading and profit and loss account?

    Closing stock is credited to the trading account (reducing cost of goods sold) and shown as a current asset on the balance sheet.

    What is the journal entry for outstanding salaries of ₹5,000?

    Salaries Expense A/c Dr. 5,000 / To Salaries Payable A/c 5,000 (outstanding expenses increase current liabilities).

    Where does prepaid insurance of ₹300 appear in the financial statements?

    Prepaid insurance is shown as a current asset on the balance sheet and reduces the insurance expense in the profit and loss account.

    What is accrued income and how is it recorded?

    Accrued income is revenue earned but not yet received; it is debited to a current asset account and credited to revenue in the profit and loss account.

    Define 'income received in advance' with an example.

    Income received in advance is cash received before service is delivered (e.g., annual subscription received upfront); it is recorded as a current liability until earned.

    What is the double entry principle for all adjustments?

    Every adjustment affects two accounts—one in the profit and loss account (affecting profit) and one in the balance sheet (affecting financial position).

    What is the key difference between provision for doubtful debts and bad debts?

    Bad debts are debtors confirmed as irrecoverable (expense in P&L), while provision for doubtful debts is an estimated reserve for debtors who might not pay.

    How does manager's commission calculated on profit affect financial statement preparation?

    Manager's commission is deducted from profit before final net profit is calculated, so it must be recorded as an expense in the profit and loss account.

    Why is it incorrect to show closing stock on the debit side of the trading account?

    Closing stock represents unsold goods (an asset and reduction in cost of goods sold), so it must be credited to reduce the cost and increase gross profit.

    Important Board Questions

    Define 'outstanding expenses' and give one example. Where does it appear in the financial statements? [2 marks]

    Outstanding expenses = incurred but unpaid by year-end (e.g., salaries, rent); shown as expense in P&L account and current liability in balance sheet.

    Explain with a journal entry how prepaid insurance of ₹1,500 (paid for 18 months, with 12 months relating to next year) should be adjusted in the financial statements for the current year ended March 31. Show the impact on both P&L and balance sheet. [5 marks]

    Current year expense = (6/18) × ₹1,500 = ₹500; journal entry: Insurance Expense A/c Dr. 500 / Prepaid Insurance A/c Dr. 1,000 / To Cash/Bank A/c 1,500; prepaid is a current asset.

    From the trial balance provided (Ankit's trial balance with closing stock of ₹15,000), prepare the Trading and Profit & Loss Account for the year ended March 31, 2017 and explain how closing stock adjustment demonstrates the double entry principle. Also identify which items are shown in the balance sheet as a result of adjustments. [6 marks]

    Closing stock: credited in trading account (increases gross profit by ₹15,000), debited in balance sheet as current asset; double entry = one in T&L, one in balance sheet; balance sheet shows closing stock as asset, creditors as liability, and capital plus net profit as equity.

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