Disclaimer

MSME Interest & 43B(h) Calculator — B N C A

  • Sincere efforts have been taken to make this tool error-free. However, it is built on certain assumptions and is presented as a basic calculation sheet for ease of use only.
  • This tool does not constitute legal advice or professional advice under any terms and shall not be treated as a substitute for professional judgment on specific facts.
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MSME Interest & 43B(h) Calculator

3-FY Classification • MSMED Interest • Income Tax Section 43B(h)

Download Template
Upload Data Upload & validate file
Configure Rates & settings
Results Preview & computation

How to Use This Tool

Follow these steps to compute MSMED interest and Section 43B(h) disallowance

1

Download Template

Download the Excel template from the top header. It contains all required columns pre-formatted for upload.

2

Fill Your Data

Enter supplier-wise invoice data including acceptance dates, payment status, amounts, and Udyam classification by financial year.

3

Upload & Validate

Upload the completed Excel file here and click Validate to confirm all required columns and data are present.

4

Configure Rates

Review and update RBI Bank Rates and set computation parameters like tax year, as-of date, and classification basis.

5

Compute & Export

Click Compute to calculate interest and disallowances, review results in the Preview/Computation tabs, then export to Excel.

  Required Columns in Your Excel File

The following columns must be present for correct computation:

Upload Invoice Data

Drag & drop your Excel file or click to browse — supports .xlsx format

Drop your Excel file here

MSME Single Sheet Input Template — .xlsx format

Validation Results

RBI Bank Rates Configuration

Edit existing rates or add future rate changes — MSMED rate = 3 × Bank Rate (monthly rest compounding)

Effective From Repo Rate (%) Bank Rate (%) MSMED Annual (%) Note / Source Action

  Bank Rate = Repo Rate + 0.25%  |  MSMED Rate = Bank Rate × 3  |  Highlighted columns are auto-derived from Repo Rate.

Computation Settings

Configure the tax year, as-of date, and classification parameters before computing

Filter Preview Data
Invoice Base Data
Upload and validate a file to see data here.
Total Invoices0
Eligible Micro/Small0
Invoice Amount Reviewed0.00
Net Interest Payable0.00
43B(h) Reviewed0
Final Disallowance0.00
Payment Allowance0.00
Filter Computation Results
Computed Invoice Results
Record IDSupplierInvoice NoCategory Due DateInterest StartEnd DateDelayed Days OutstandingInterest43B(h) Status 43B(h) DisallowanceFlags / Notes
Run computation to see results.