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Tax benefits of buying an electric car

Updated: Jun 4, 2020

In this article we would cover the following

  1. What is an electric car?

  2. Benefits of using an electric car

  3. Interest deduction under income tax

  4. Lower GST rate in comparison to Diesel/Petrol Car

  5. Promotion of the scheme for the electric vehicle

  6. What is the future of electric car in India


1. What is an electric car ?


An electric vehicle is a car that is moved by at least one electric engines, utilizing vitality put away in battery-powered batteries. Electric vehicles were first introduced in 1832 by Robert anderson. Electric vehicles were famous in the late nineteenth century and mid twentieth century, until progresses in inner ignition motors, electric starters specifically, and large scale manufacturing of less expensive petroleum (gas) and diesel vehicles prompted a decrease in the utilization of electric drive vehicles.


However, we should not forget that the using the electric vehicle is having its own benefits over the diesel and petrol cars.


2. Benefits of using an electric car


· Less expensive to run

· Less expensive to keep up

· Better for the earth

· Less contamination

· Sustainable power source

· Eco-accommodating materials

· No Gas Required

· Safe to Drive

· Decreased Noise Pollution

· Low Maintenance


As using the electric vehicle is having its own various advantages and to support the electric vehicle in India the government has introduced the various measures. One of the measure is to provide the relaxation through various taxes on purchase of the electric vehicle.


3. Interest deduction under Income tax


Union Budget 2019 announced an exclusive tax benefit of Rs 1.5 lacs for year in which you purchase the electric vehicle and subsequent years for interest on loans taken to purchase electric vehicles under the section 80EEB of the income tax act, 1961. Good news for those who are planning to purchase electric bike or car in the next few years.

An individual citizen may have an electric vehicle for individual use or for business use. This derivation would encourage people having an electric vehicle for individual use.

If there should arise an occurrence of business use, an individual can likewise guarantee the interest deduction upto Rs 1,50,000 under section 80EEB. Any interest costing above Rs 1,50,000 can be asserted as a cost of doing business.


Do take note of that an individual citizen ought to acquire the interest paid endorsement and keep the important records, for example, charge receipt and credit reports helpful at the hour of documenting of the arrival.


To get the interest benefit under Section 80EEB, you should fulfill the accompanying conditions.

1. The credit for the acquisition of electric vehicle must be endorsed between April 1, 2019 and March 31, 2023.

2. The advance must be taken from a money related organization (i.e. any financial institution).

3. Purchase either electric vehicle or electric bicycles.

If fulfills these conditions, you will be qualified for tax reductions on interest part under section 80EEB.


4. Lower GST rate in comparison to Diesel/Petrol Vehcile


Goods and service Tax (GST) on electric vehicles is 5 percent as in comparison to the diesel/petrol car is having GST rate upto 28% and GST cess upto 15%.


To make India a worldwide assembling center point for electric vehicles, finance minister Sitharaman said the administration had taken a few activities. The legislature has reduced the GST rate in the month of August 2019 from 12 percent to 5 percent, she stated, including that traditions obligation was additionally being absolved on specific pieces of electric vehicles.


The administration has introduced FAME (Faster Adoption and Manufacturing of Hybrid and Electric vehicles) Scheme, under which the Center would spend over Rs 10,000 crore to help the EV reception in India in the following upcoming three years.

This will be finished by offering a forthright motivator on the acquisition of electric vehicles and furthermore by building up the essential charging foundation for electric vehicles.


5. Promotion of the scheme for Electric Vehicle


The association bureau has endorsed Phase-II of FAME conspire for advancement of electric versatility in the nation. The FAME (Faster Adoption and Manufacturing of Electric Vehicles) is an impetus plan of the legislature of India for the advancement of electric and half breed vehicles in the nation.


A definitive goal of the plan is to advance electric versatility and the plan offers money related motivators for the acquisition of electric vehicles and the production of electric transportation and charging framework. Under the plan, the motivators are accessible for 3 Wheelers, 4 Wheelers and electric 2 wheelers.


The Phase-II of the plan has begun from 1 April 2019 and will be finished by 31 March 2022. The Phase-II is an extended adaptation of the main stage. Notoriety India Phase II has an all out cost of Rs 10000 Crores over a time of 3 years from 1 April 2019 to 31 March 2022.

The State Bank of India has stated that according to SBI Green car loan, it will provide low interests on purchase of an electric cars on loan. This is a simple encouragement in the automobile sector and a great step towards promoting electric vehicles.

This is how there can be tax benefits on purchase of an electric car as per Budget of India 2019.


6. What is the future of electric cars in India


The Indian government has set yearning focuses to quicken the selection of electric vehicles (EVs). By 2023, it needs each of the three-wheelers to run on batteries. By 2025, the standard will be pertinent to most bikes. Motivations are likewise being offered to cause carmakers to grow new EV models and assembling segments, for example, lithium-particle batteries and electric engines.

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