FININ2MIN
Income-tax Bare Act & Rules Series | Chapter VII
Income-tax Act, 2025 | Chapter VII | Sections 108-121

Set Off, or Carry Forward and Set Off of Losses

A statutory and practical repository for current-year set-off, carried losses, reorganisation continuity, shareholding restrictions, search-related bars and return-timing controls.

Full bare textRule 60 + Form 29Old Act map18 case studies28 Q&ALight professional design
Statutory priority

Finin2min explanations, examples, comparison notes and decision tools are for education and professional orientation. The statutory text, applicable Rules, Gazette notifications, binding judicial authority and the facts of the case govern.

Scope

Chapter map

108-109
Current-year set-off

Same-head and inter-head adjustments.

110-115
Carry-forward buckets

House property, capital, business, speculation, specified business and race horses.

116-119
Continuity gates

Reorganisations, successor eligibility, firms and shareholding changes.

120
Undisclosed income

Absolute set-off bar for qualifying search, requisition and survey income.

121
Return timing

Due-date return condition for listed losses.

Rule 60
Production condition

50% installed capacity, five-year maintenance and Form 29.

Finin2min master table

Loss set-off and carry-forward matrix

Loss bucketCurrent-year set-offLater-year set-offCarry periodSection 121 due-date condition
House propertyCurrent-year: same head; other heads up to ₹2 lakh under section 109, subject to special regimeHouse property only8 tax yearsNot listed in section 121
Short-term capital lossCapital gains: STCG or LTCGCapital gains: STCG or LTCG8 tax yearsYes
Long-term capital lossLong-term capital gains onlyLong-term capital gains only8 tax yearsYes
Normal business lossSame head; other heads except salaryBusiness or profession only8 tax yearsYes
Speculation lossSpeculation profit onlySpeculation profit only4 tax yearsYes
Specified-business lossSpecified-business profit onlySpecified-business profit onlyNo express year limit in section 114Yes
Race-horse activity lossSame specified activity onlySame specified activity only4 tax yearsYes
Unabsorbed depreciationControlled by section 33(11) and special regimesBroad statutory treatment under section 33(11)Subject to section 33(11)Not listed in section 121
Special regime overlay

This matrix is the Chapter VII starting point. Sections 199-204 and other special-rate or special-computation provisions may deny a loss or treat it as fully absorbed.

Decision sequence

Order of computation

Compute each source correctly.

Apply source-specific restrictions, valuation rules, exemptions and special provisions.

Apply current-year same-head set-off.

Use section 108 and preserve the capital-loss character.

Apply current-year inter-head set-off.

Use section 109, including the salary bar, ₹2 lakh house-property ceiling and capital-loss prohibition.

Use eligible brought-forward losses.

Apply sections 110-115 within category, period and return conditions.

Apply carried allowances in statutory priority.

Section 112(3) gives carried business loss priority over allowances under sections 33(11) and 45(7).

Check continuity and special bars.

Sections 116-120 and special regime sections can override the normal sequence.

Update the loss register.

Record origin year, utilisation, expiry, assessment status and supporting return evidence.

Section 108

Set off of losses under same head of income

1961 Act: Section 70

Statutory text

108.	 	 (1) Unless provided otherwise in this Act, for any tax year, if net result of

	 	 	 	 	 computation from any source under any head of income (other than
“Capital gains”) is a loss, then assessee shall be entitled to set off such loss against
his income from any other source under the same head for that tax year.
(2) Where the net result of computation of income made for any tax year under
sections 72 to 90 in respect of—

(a)	 any short-term capital asset is a loss, such loss shall be set off against
the income, computed in respect of any other capital asset for that year;

(b)	 any long-term capital asset is a loss, such loss shall be set off against the
income computed in respect of any other long-term capital asset for that
year.
In simple language

Current-year losses are first tested inside the same head. For non-capital heads, a loss from one source can generally absorb income from another source under that same head, unless another provision blocks it. Capital gains use a separate matrix: short-term capital loss can absorb short-term or long-term capital gains, while long-term capital loss can absorb only long-term capital gains.

Practical example

A taxpayer has short-term capital loss of ₹4 lakh, long-term capital gain of ₹3 lakh and short-term capital gain of ₹1.5 lakh. The short-term loss can be used against both categories, leaving net capital gain of ₹50,000. If the ₹4 lakh loss were long-term, it could be used only against the ₹3 lakh long-term gain; ₹1 lakh would remain to carry forward and the short-term gain would remain taxable.

Exception / professional alert

Start with source-wise computation. A restriction attached to a particular source or special regime can override the general same-head rule.

Section 109

Set off of losses under any other head of income

1961 Act: Section 71

Statutory text

109. (1) Subject to the provisions of this Chapter, for any tax year, if income computed under any head of income (other than “Capital gains”) is a loss,
such loss shall be set off against income of the assessee under any other head,
including “Capital gains”, if any, assessable for that tax year, subject to the following
conditions:—

(a)	 loss under the head “Profits and gains of business or profession” shall
not be set off against income assessable under the head “Salaries”; and

(b)	 loss under the head “Income from house property” shall be set off to the
extent of ₹ 200000 against income under any other head.
(2) For any tax year, the loss under the head “Capital gains” shall not be set off
against income under any other head.
In simple language

After same-head adjustment, most current-year non-capital losses may be considered against another head, including capital gains. Two major barriers apply: business loss cannot be set off against salary, and current-year house-property loss can be set off against other heads only up to ₹2 lakh. Capital loss never moves outside the capital-gains head.

Practical example

An individual under the regular regime has salary of ₹12 lakh, house-property loss of ₹3.20 lakh and bank interest of ₹40,000. At most ₹2 lakh of the house-property loss may reduce income under other heads. The remaining ₹1.20 lakh moves to section 110. Under section 202's default regime, house-property loss cannot be set off against another head and the special deemed-effect rule must also be checked.

Exception / professional alert

The ₹2 lakh is a ceiling on inter-head adjustment, not on the computation of the house-property loss itself.

Section 110

Carry forward and set off of loss from house property

1961 Act: Section 71B

Statutory text

110.	 (1) Where for any tax year, loss computed under the head “Income from

	 	 house property” cannot be wholly set off against the income under any other
head as per section 109, so much of the loss not so set off or the whole loss, as the
case may be, shall be carried forward to the following tax year and—

(a)	 be set off only against the income from house property, if any, assessable
for that tax year; and

(b)	 if the loss cannot be wholly so set off, the amount of loss not so set off
shall be carried forward to the following tax year and so on.
(2) No loss shall be carried forward under this section for more than eight tax years
immediately succeeding the tax year for which the loss was first computed.
In simple language

Unabsorbed house-property loss is ring-fenced in later years. It can be carried for up to eight tax years and used only against income from house property. The period runs from the tax year for which the loss was first computed.

Practical example

A tax-year 2026-27 house-property loss of ₹1.20 lakh remains after current-year set-off. In tax year 2027-28 the taxpayer has house-property income of ₹70,000, so ₹70,000 may be absorbed and ₹50,000 may continue within the original eight-year window.

Exception / professional alert

Section 121 does not list section 110. This is a major return-timing distinction from capital and business losses, although filing and procedural compliance should never be delayed.

Section 111

Carry forward and set off of loss from Capital gains

1961 Act: Section 74

Statutory text

111. 	(1)(a) Where for any tax year, loss computed under the head “Capital gains”

	 	 cannot be wholly set off against the income under the head “Capital gains”
as per section 108, so much of the loss not so set off or the whole loss, as the case
may be, shall be carried forward to the following tax year and shall be set off in the
following manner—

(i)	 if such loss relates to a short-term capital asset, it shall be set off only
against the income under the head “Capital gains”, if any, assessable for
that tax year in respect of any other capital asset;

(ii)	 if such loss relates to a long-term capital asset, it shall be set off only
against the income under the head “Capital gains”, if any, assessable for
that tax year in respect of any other long-term capital asset; and
(b) if the loss cannot be wholly so set off under clause (a), the amount of loss not so
set off shall be carried forward to the following tax year and so on.
(2) No loss shall be carried forward under this section for more than eight tax years
immediately succeeding the tax year for which the loss was first computed.
In simple language

Capital loss that remains after current-year capital-gains adjustment may be carried for eight tax years. Brought-forward short-term capital loss can absorb any capital gain; brought-forward long-term capital loss can absorb only long-term capital gain.

Practical example

A long-term capital loss of ₹6 lakh is carried from tax year 2026-27. In the next year the taxpayer has short-term capital gain of ₹8 lakh and long-term capital gain of ₹2 lakh. Only ₹2 lakh of the carried long-term loss can be used; ₹4 lakh continues and the short-term gain remains outside that set-off.

Exception / professional alert

A return satisfying section 263(1) is required for carry-forward under section 121. Maintain separate year-wise ledgers for short-term and long-term loss.

Section 112

Carry forward and set off of business loss

1961 Act: Section 72

Statutory text

112.	 (1) Where for any tax year, loss computed under the head “Profits and gains

	 	 	 of business or profession” (not being a loss sustained in a speculation business)
cannot be wholly set off against the income under any other head as per section
109, so much of the loss not so set off or the whole loss, as the case may be, shall
be carried forward to the following tax year and—

(i)	 be set off against the profits and gains, if any, of any business or profession carried on by him for that tax year; and

(ii)	 if the loss cannot be wholly so set off, the amount of loss not so set off
shall be carried forward to the following tax year and so on.
(2) No loss shall be carried forward under this section for more than eight tax years
immediately succeeding the tax year for which the loss was first computed.
(3) Where any allowance of part thereof under section 33(11) or 45(7) is to be carried
forward, effect shall first be given to the provision of this section.
In simple language

Ordinary business loss that cannot be fully absorbed may be carried for eight tax years. In later years it can be set off only against profits and gains of business or profession. Section 112(3) expressly gives carried-forward business loss priority over carried-forward allowances under section 33(11) or 45(7).

Practical example

A company has brought-forward business loss of ₹30 lakh and unabsorbed depreciation of ₹20 lakh. Current business profit is ₹35 lakh. Subject to the relevant computations, the brought-forward business loss is applied first, leaving ₹5 lakh business profit against which the unabsorbed allowance can then be considered.

Exception / professional alert

Current-year business loss and brought-forward business loss have different inter-head flexibility. A brought-forward business loss cannot be used against capital gains, house property or other sources.

Section 113

Set off and carry forward of losses computed in respect of speculation business

1961 Act: Section 73

Statutory text

113.	 	 (1) Any loss, computed in respect of a speculation business carried on by

	 	 	 	 the assessee shall be set off only against profits and gains of another speculation business.
(2) Where for any tax year, loss computed in respect of a speculation business cannot
be wholly set off under sub-section (1), so much of the loss not so set off or the whole
loss, as the case may be, shall be carried forward to the following tax year and—

(i)	 be set off against the profits and gains, if any, of any speculation business
carried on by him for such tax year; and

(ii)	 if the loss cannot be wholly so set off, the amount of loss not so set off
shall be carried forward to the following tax year and so on.
(3) No loss shall be carried forward under this section for more than four tax years
immediately succeeding the tax year for which the loss was first computed.
(4) Where any allowance of part thereof under section 33(11) or 45(7) related to
the speculation business is to be carried forward, effect shall first be given to the
provision of this section.
(5) In this section, where any part of the business of the assessee (being a company) consists of purchase and sale of shares of other companies, then the assessee
shall be deemed to be carrying on a speculation business, to the extent to which its
business consists of purchase and sale of such shares.
(6) The provisions of sub-section (5) shall not apply to an assessee, being a company,
if—

(a)	 its gross total income consists mainly of income which is chargeable
under the heads “Income from house property”, “Capital gains” or
“Income from other sources”; or

(b)	 its principal business is of trading in shares or banking or the granting
of loans and advances.
In simple language

A speculation-business loss is a separate four-year bucket. It can be used only against profit of another speculation business. The provision also contains a company deeming rule for share transactions. Section 113(6) switches that deeming rule off in either of two cases: (a) the company’s gross total income consists mainly of income under “Income from house property”, “Capital gains” or “Income from other sources”; or (b) its principal business is any one of three independent alternatives—trading in shares, banking, or granting loans and advances.

Practical example

A company incurs ₹9 lakh speculation loss in tax year 2026-27 and earns ₹4 lakh speculation profit in 2028-29. The company can use ₹4 lakh and continue ₹5 lakh, provided the four-year period and return condition are satisfied.

Exception / professional alert

Classify the activity before applying the loss rule. Delivery, derivatives, hedging and company-share deeming issues may be governed by other definitions and provisions.

Section 114

Set off and carry forward of losses computed in respect of specified business

1961 Act: Section 73A

Statutory text

114.	 (1) Any loss, computed in respect of a specified business, referred to in section

	 	 46, shall be set off only against profits and gains of another specified business.
(2) Where for any tax year, loss computed in respect of a specified business cannot
be wholly set off under sub-section (1), so much of the loss not so set off or the whole
loss, as the case may be, shall be carried forward to the following tax year and—

(i)	 be set off against the profits and gains, if any, of any specified business
carried on by him for such tax year; and

(ii)	 if the loss cannot be wholly so set off, the amount of loss not so set off
shall be carried forward to the following tax year and so on.
In simple language

Loss from a specified business referred to in section 46 is ring-fenced to profits from any specified business. The text permits the unabsorbed amount to continue to following tax years and does not impose the eight-year or four-year limit used in nearby sections.

Practical example

A taxpayer has ₹25 lakh loss from one eligible specified business and ₹12 lakh profit from another specified business in the next year. Subject to section 46 and the applicable regime, ₹12 lakh may be absorbed and ₹13 lakh may continue.

Exception / professional alert

Do not merge specified-business loss with ordinary business loss. Separate project-level computation and evidence are essential.

Section 115

Set off and carry forward of losses from specified activity

1961 Act: Section 74A

Statutory text

115.	 (1) Any loss incurred by the assessee in specified activity in any tax year shall

	 	 	 be set off only against income from specified activity.
(2) Where for any tax year, loss computed in respect of a specified activity cannot be
wholly set off under sub-section (1), so much of the loss not so set off or the whole
loss, as the case may be, shall be carried forward to the following tax year and—

(i)	 be set off against the income, if any, of the specified activity carried on
by him for such tax year; and

(ii)	 if the loss cannot be wholly so set off, the amount of loss not so set off
shall be carried forward to the following tax year and so on.
(3) No loss shall be carried forward under this section for more than four tax years
immediately succeeding the tax year for which the loss was first computed.

(4) For the purposes of this section—

(a)	 “horse race” means a horse race upon which wagering or betting may
be lawfully made;

(b)	 “income by way of stake money” means the gross amount of prize money
received on a race horse or race horses by the owner thereof on account
of the horse or horses or any one or more of the horses winning a particular position in horse race;

(c)	 “loss incurred by the assessee in specified activity” means the amount
by which the income by way of stake money, if any, falls short of the
expenditure, not being capital expenditure, incurred wholly and exclusively for maintaining race horses;

(d)	 “race horses” means horses owned and maintained by assessee for running in a horse race;

(e)	 “specified activity” means the activity of owning and maintaining race
horses.
In simple language

This section governs the activity of owning and maintaining race horses. The loss is restricted to income from the same specified activity and can be carried for four tax years. The provision defines horse race, stake money, loss, race horses and the specified activity.

Practical example

An owner incurs eligible loss of ₹5 lakh from maintaining race horses and earns ₹2 lakh stake-money income from that activity two years later. ₹2 lakh may be set off and ₹3 lakh may continue if still within the four-year period.

Exception / professional alert

Betting winnings of a person who does not own and maintain race horses are not automatically this section's specified activity.

Section 116

Treatment of accumulated losses and unabsorbed depreciation in amalgamation or demerger, etc.

1961 Act: Section 72A

Statutory text

116.	 (1) Where there has been an amalgamation of,—

(a)	 a company owning an industrial undertaking or a ship or a hotel with
another company; or

(b)	 a banking company referred to in section 5(c) of the Banking Regulation
Act, 1949 (10 of 1949) with a specified bank; or

(c)	 one or more public sector company with one or more other public sector
company; or

(d)	 an erstwhile public sector company with one or more company or companies, if the share purchase agreement entered into under strategic
disinvestment restricted immediate amalgamation of the said public
sector company and the amalgamation is carried out within five years
from the end of the tax year in which the restriction on amalgamation
in the share purchase agreement ends,
then, irrespective of anything contained in any other provision of this Act, the accumulated loss and unabsorbed depreciation of the amalgamating company shall be
deemed to be the loss or, allowance for unabsorbed depreciation of the amalgamated company for the tax year in which the amalgamation was effected, and other
provisions of this Act relating to set off and carry forward of loss and allowance for
depreciation shall apply accordingly.
(2) The accumulated loss and the unabsorbed depreciation of the amalgamating
company, in case of an amalgamation referred to in sub-section (1)(d), which is
deemed to be the loss or, as the case may be, the unabsorbed depreciation of the
amalgamated company, shall not exceed the accumulated loss and unabsorbed
depreciation of the public sector company as on the date on which it ceases to be
a public sector company due to such strategic disinvestment.

(3) For the purposes of sub-section (1)(d),—

(a)	 “control” shall have the same meaning as assigned to it in section 2(27)
of the Companies Act, 2013 (18 of 2013);

(b)	 “erstwhile public sector company” means a company which was a public
sector company in earlier tax years and ceases to be so due to strategic
disinvestment by the Government;

(c)
(i)	 “strategic disinvestment” means sale of shareholding by the Central
Government or State Government or a public sector company, in
a public sector company or in a company, which results in—

(A)	 reduction of its shareholding to below 51%; and

(B)	 transfer of control to the buyer;

(ii)	 for clause (c)(i)(A), the reduction of shareholding shall apply
only where shareholding of the Central Government or the State
Government or the public sector company exceeded 51% before
the sale of shareholding;

(iii)	 the transfer of control referred to in clause (c)(i)(B) may be effected
by the Central Government or the State Government or the public
sector company or any two or all of them.
(4) Irrespective of anything contained in sub-sections (1), (2) and (3), the accumulated
loss shall not be set off or carried forward and the unabsorbed depreciation shall
not be allowed in the assessment of the amalgamated company unless,—

(a)	 the amalgamating company—

(i)	 has been engaged in the business, in which the accumulated loss
occurred or depreciation remains unabsorbed, for three or more
years;

(ii)	 has held continuously as on the date of the amalgamation, at least
three-fourths of the book value of fixed assets held by it two years
preceding the date of amalgamation;

(b)	 the amalgamated company—

(i)	 holds continuously for a minimum of five years from the date of
amalgamation at least three-fourths of the book value of fixed assets
of the amalgamating company acquired in a scheme of amalgamation;

(ii)	 continues the business of the amalgamating company for a minimum of five years from the date of amalgamation;

(iii)	 fulfils such other conditions as may be prescribed to ensure the
revival of the business of the amalgamating company or to ensure
that the amalgamation is for genuine business purpose.
(5) If any of the conditions laid down in sub-section (4) are not complied with, the
set off of loss or allowance of depreciation made in any tax year in the hands of

the amalgamated company shall be deemed to be the income of the amalgamated
company chargeable to tax for the year in which the non-compliance occurs.
(6) Irrespective of anything contained in any other provisions of this Act, in the case
of a demerger, the accumulated loss and the allowance for unabsorbed depreciation
of the demerged company shall,—

(a)	 if directly relatable to the undertakings transferred to the resulting company, be allowed to be carried forward and set off in the hands of the
resulting company;

(b)	 if not directly relatable to the undertakings transferred to the resulting
company, be apportioned between the demerged company and the
resulting company in the same proportion in which the assets of the
undertakings have been retained by the demerged company and transferred to the resulting company, and shall be allowed to be carried forward and set off in the hands of the demerged company or the resulting
company, as applicable.
(7) The Central Government may, by notification, specify such conditions to ensure
that the demerger is for genuine business purposes.
(8) If there has been reorganisation of business where, a firm is succeeded by a
company fulfilling the conditions laid down in section 70(1)(zd) or a proprietary
concern is succeeded by a company fulfilling the conditions laid down in section
70(1)(zf), then, irrespective of anything contained in any other provision of this Act,
the accumulated loss and the unabsorbed depreciation of the predecessor firm or
the proprietary concern, shall be deemed to be the loss or allowance for depreciation of the successor company for the tax year in which business reorganisation
was effected and other provisions of this Act relating to set off and carry forward
of loss and allowance for depreciation shall apply accordingly, subject to provisions
of sub-section (9).
(9) If any of the conditions laid down in section 70(1)(zd) or (zf), as the case may be,
are not complied with, the set off of loss or allowance of depreciation made in any
tax year in the hands of the successor company, shall be deemed to be the income
of the company chargeable to tax in the year in which the non-compliance occurs.
(10) If there has been reorganisation of business whereby a private company or
unlisted public company is succeeded by a limited liability partnership fulfilling the
conditions laid down in section 70(1)(ze), then, irrespective of anything contained
in any other provision of this Act, the accumulated loss and the unabsorbed depreciation of the predecessor company, shall be deemed to be the loss or allowance for
depreciation of the successor limited liability partnership for the tax year in which
business reorganisation was effected and other provisions of this Act relating to set
off and carry forward of loss and allowance for depreciation shall apply accordingly,
subject to provisions of sub-section (11).
(11) If any of the conditions laid down in section 70(1)(ze)are not complied with,
the set off of loss or allowance of depreciation made in any tax year in the hands of
the successor limited liability partnership, shall be deemed to be the income of the

limited liability partnership chargeable to tax in the year in which the non-compliance occurs.
(12) For any amalgamation referred to in sub-section (1) or reorganisation of business
referred to in sub-section (8) or (10) effected on or after the 1st April, 2025, any loss
forming part of the accumulated loss of the predecessor entity, being—

(i)	 the amalgamating company; or

(ii)	 the firm or proprietary concern; or

(iii)	 the private company or unlisted public company,
as the case may be, which is deemed to be the loss of the successor entity, being—

(a)	 the amalgamated company; or

(b)	 the successor company; or

(c)	 the successor limited liability partnership,
as the case may be, shall be carried forward for not more than eight tax years
immediately succeeding the tax year for which such loss was first computed for the
original predecessor entity.
(13) For the purposes of this section,—

(a)	 “accumulated loss” means so much of the loss of the predecessor firm
or the proprietary concern or the private company or unlisted public
company before conversion into limited liability partnership or the amalgamating company or the demerged company, under the head “Profits
and gains of business or profession” (excluding loss in a speculation
business) which would have been eligible for carry forward and set off
to such predecessor entity under section 112, had the reorganisation of
business or conversion or amalgamation or demerger not occurred;

(b)	 “industrial undertaking” means any undertaking which is engaged in—

(i)	 the manufacture or processing of goods; or

(ii)	 the manufacture of computer software; or

(iii)	 the business of generation or distribution of electricity or any other
form of power; or

(iv)	 the business of providing telecommunication services, whether
basic or cellular, including radio paging, domestic satellite service,
network of trunking, broadband network and internet services; or

(v)	 mining; or

(vi)	 the construction of ships, aircrafts or rail systems;

(c)	 “original predecessor entity” means predecessor entity in respect of the
first amalgamation for sub-section (1) or first reorganisation of business
for sub-sections (8) and (10), as the case may be;

(d)	 “specified bank” means the State Bank of India constituted under the
State Bank of India Act, 1955 (23 of 1955) or a corresponding new bank
constituted under section 3 of the Banking Companies (Acquisition and
Transfer of Undertakings) Act, 1970 (5 of 1970) or under section 3 of the

Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980
(40 of 1980);

(e)	 “unabsorbed depreciation” means so much of the allowance for depreciation of the predecessor firm or the proprietary concern or the private
company or unlisted public company before conversion into limited
liability partnership or the amalgamating company or the demerged
company, which remains to be allowed and which would have been
allowed to such predecessor entity under this Act, had the reorganisation
of business or conversion or amalgamation or demerger not occurred.
In simple language

Section 116 is the principal reorganisation gateway for inherited accumulated business loss and unabsorbed depreciation. It covers specified amalgamations, demergers, conversion of a firm or proprietary concern into a company, and conversion of a private or unlisted public company into an LLP. Each route has detailed continuity, ownership, asset-holding and business-continuance conditions. Failure can reverse prior benefits as income of the successor.

Rule 60 and Form 29 connection

For an amalgamated company owning an industrial undertaking, section 116(4)(b)(iii) imports the prescribed conditions in Rule 60. The undertaking must ordinarily reach at least 50% of installed capacity before the end of four years from amalgamation and maintain that level until the end of five years. Form 29 is furnished with the return for the year in which the prescribed production level is achieved and for the subsequent relevant tax years within that five-year period, subject to any lawful relaxation.

Practical example

An industrial undertaking is amalgamated on 1 July 2026. The predecessor has carried business loss and unabsorbed depreciation. The successor must test the business-history, asset-holding, continuity and Rule 60 conditions and furnish Form 29 for the relevant years. If this is part of a chain of qualifying amalgamations or reorganisations, the remaining carry-forward period is not measured from the immediate transaction: section 116(12) traces the eight-year limit to the tax year in which the loss was first computed for the original predecessor entity, meaning the predecessor in the first relevant amalgamation or reorganisation.

Exception / professional alert

For qualifying reorganisations occurring on or after 1 April 2025, section 116(12) measures the balance carry-forward period from the tax year in which the predecessor first computed the loss. Reorganisation does not restart the eight-year clock.

Professional map

Amalgamation gateway

Specified industrial undertaking, ship, hotel, banking and public-sector combinations are covered by subsection (1), subject to route-specific conditions.

Predecessor conditions

The amalgamating entity generally needs the prescribed business history and three-fourths book-value asset retention before amalgamation.

Successor conditions

The amalgamated company generally must retain three-fourths of acquired assets for five years, continue the business for five years and meet Rule 60 production conditions where relevant.

Demerger

Directly relatable loss and depreciation move to the resulting company; common amounts are apportioned using the statutory asset ratio.

Firm/proprietary conversion

All assets and liabilities must move, ownership and consideration conditions apply, and former owners must retain the prescribed voting power for five years.

Company-to-LLP conversion

The statutory conversion conditions and section 70 reference must be satisfied.

Recapture

If prescribed conditions fail, earlier set-off or allowance becomes income of the successor for the year of failure.

Original clock

For specified reorganisations on or after 1 April 2025, the unused carry-forward period is counted from the predecessor's original loss year.

Section 117

Treatment of accumulated losses and unabsorbed depreciation in scheme of amalgamation in certain cases

1961 Act: Section 72AA

Statutory text

117.	 	(1) Irrespective of anything contained in section 2(6)(a) to (c) or section 116,
	 	 	 	 	where there has been an amalgamation of,—

(a)	 one or more banking company with—

(i)	 any other banking institution under a scheme sanctioned and
brought into force by the Central Government under section 45(7)
of the Banking Regulation Act, 1949 (10 of 1949); or

(ii)	 any other banking institution or a company following a strategic
disinvestment, wherein the amalgamation occurs within five years
from the end of the tax year during which such disinvestment is
carried out; or

(b)	 one or more corresponding new bank or banks with any other corresponding new bank under a scheme brought into force by the Central
Government under section 9 of the Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970 (5 of 1970) or under section 9
of the Banking Companies (Acquisition and Transfer of Undertakings)
Act, 1980 (40 of 1980), or both; or

(c)	 one or more Government company or companies with any other Government company under a scheme sanctioned and brought into force
by the Central Government under section 16 of the General Insurance
Business (Nationalisation) Act, 1972 (57 of 1972),
the accumulated loss and unabsorbed depreciation of such banking company or
companies or amalgamating corresponding new bank or banks or amalgamating
Government company or companies, shall be deemed to be the loss or, allowance
for depreciation of the banking institution or company or amalgamated corresponding new bank or amalgamated Government company for the tax year in which
the scheme of amalgamation was brought into force and other provisions of this
Act relating to set off and carry forward of loss and allowance for depreciation shall
apply accordingly.
(2) Where any scheme of amalgamation as referred to in sub-section (1) is brought
into force on or after the 1st April, 2025, any loss forming part of the accumulated
loss of the predecessor entity, being—

(i)	 the banking company or companies;

(ii)	 the amalgamating corresponding new bank or banks; or

(iii)	 the amalgamating Government company or companies,
as the case may be, which is deemed to be the loss of the successor entity, being—

(a)	 the banking institution or company; or

(b)	 the amalgamated corresponding new bank or banks; or

(c)	 the amalgamated Government company or companies,
as the case may be, shall be carried forward in the hands of the successor entity for
not more than eight tax years immediately succeeding the tax year for which such
loss was first computed for original predecessor entity.
(3) For the purposes of this section,—

(a)	 “accumulated loss” means so much of the loss of the amalgamating
banking company or companies or amalgamating corresponding new
bank or banks or amalgamating Government company or companies
under the head “Profits and gains of business or profession” (excluding
losses of a speculation business) which such predecessor entity would
have been entitled to carry forward and set off under section 112 had
the amalgamation not occurred;

(b)	 “banking company” shall have the same meaning as assigned to it in
section 5(c) of the Banking Regulation Act, 1949 (10 of 1949);

(c)	 “banking institution” shall have the same meaning as assigned to it in
section 45(15) of the Banking Regulation Act, 1949 (10 of 1949);

(d)	 “corresponding new bank” shall have the same meaning as assigned to
it in section 2(d) of the Banking Companies (Acquisition and Transfer
of Undertakings) Act, 1970 (5 of 1970), or section 2(b) of the Banking
Companies (Acquisition and Transfer of Undertakings) Act, 1980 (40 of
1980);

(e)	 “general insurance business” shall have the same meaning as assigned
to it in section 3(g) of the General Insurance Business (Nationalisation)
Act, 1972 (57 of 1972);

(f)	 “Government company” means a Government company as defined in
section 2(45) of the Companies Act, 2013 (18 of 2013), engaged in the
general insurance business and established under section 4 or 5 or 16 of
the General Insurance Business (Nationalisation) Act, 1972 (57 of 1972);

(g)	 “original predecessor entity” means predecessor entity in respect of the
first amalgamation;

(h)	 “strategic disinvestment” shall have the meaning assigned to it in section
116(3)(c)(i);

(i)	 “unabsorbed depreciation” means the allowance for depreciation of the
amalgamating banking company or companies or amalgamating corresponding new bank or banks or amalgamating Government company
or companies which remains to be allowed and which would have been
allowed to such predecessor entity, had the amalgamation not occurred.
In simple language

This special provision deals with accumulated loss and unabsorbed depreciation in specified amalgamation schemes involving banking companies, corresponding new banks and certain Government companies. The successor steps into the predecessor's position subject to the section's scheme and definitions.

Practical example

Two banking entities amalgamate under a qualifying Central Government scheme. Before claiming predecessor losses, the amalgamated bank should map each amount to the statutory category, original tax year and the conditions of the approved scheme.

Exception / professional alert

For amalgamations on or after 1 April 2025, the section preserves the original predecessor-year clock for carried loss.

Section 118

Carry forward and set off of losses and unabsorbed depreciation in business reorganization of co-operative banks

1961 Act: Section 72AB

Statutory text

118.	 	(1) The assessee, being a successor co-operative bank, shall, in a case where the
	 	 	 	 	amalgamation has taken place during the tax year, be allowed to set off the
accumulated loss and the unabsorbed depreciation, if any, of the predecessor
co-operative bank as if the amalgamation had not taken place, and all the other
provisions of this Act relating to set off and carry forward of loss and allowance for
depreciation shall apply accordingly.
(2) In case of a co-operative bank where demerger takes place during the tax year,
and where the accumulated loss or unabsorbed depreciation of the demerged
co-operative bank—

(a)	 is directly relatable to the undertaking transferred, the whole of such
accumulated loss or unabsorbed depreciation shall be allowed to be carried forward and set off against the income of the resulting co-operative
bank; and

(b)	 is not directly relatable to the undertaking transferred, then such accumulated loss or unabsorbed depreciation shall first be apportioned between
the demerged co-operative bank and the resulting co-operative bank in
the same proportion in which assets of the undertaking are distributed
between the demerged co-operative bank and the resulting co-operative
bank, and be allowed to be carried forward and set off against their
respective incomes.
(3) The provisions of this section shall apply, if—

(a)	 the predecessor co-operative bank—

(i)	 has been engaged in the business of banking for three or more
years; and

(ii)	 has held at least three-fourths of the book value of fixed assets as
on the date of the business reorganisation, continuously for two
years before the date of business reorganisation;

(b)	 the successor co-operative bank,—

(i)	 holds at least three-fourths of the book value of fixed assets of the
predecessor co-operative bank acquired through business reorganisation, continuously for a minimum five years immediately
succeeding the date of business reorganisation;

(ii)	 continues the business of the predecessor co-operative bank for a
minimum five years from the date of business reorganisation; and

(iii)	 fulfils such other conditions, as may be prescribed, to ensure the
revival of the business of the predecessor co-operative bank or to
ensure that the business reorganisation is for genuine business
purpose.
(4) The Central Government may, by notification, specify such other conditions as
it may consider necessary, other than the condition referred to in sub-section (3)
(b)(iii), for the purposes of ensuring that the business reorganisation is for genuine
business purposes.

(5) In a case where any of the conditions referred to in sub-section (3) or notified
under sub-section (4) are not complied with, the set off of accumulated business
loss or unabsorbed depreciation made in any tax year in the hands of the successor
co-operative bank shall be deemed to be the income of the successor co-operative
bank chargeable to tax for the year in which such conditions are not complied with.
(6) The period commencing from the beginning of the tax year and ending on the
date immediately preceding the date of business reorganisation, and the period
commencing from the date of such business reorganisation and ending with the
tax year, shall be deemed to be two different tax years for the purposes of set off
and carry forward of loss and allowance for depreciation.
(7) For the purposes of this section,—

(a)	 “accumulated loss” means so much of the loss of amalgamating co-operative bank or demerged co-operative bank as referred to in section 112
in the hands of predecessor co-operative bank, which such predecessor
co-operative bank would have been entitled to carry forward and set off
under the said section, as if the business reorganisation had not taken
place;

(b)	 “amalgamated co-operative bank”, “amalgamating co-operative bank”,
“amalgamation”, “business reorganisation”, “demerged co-operative
bank”, “demerger”, “predecessor co-operative bank”, “successor co-operative bank” and “resulting co-operative bank” shall have the meanings
respectively assigned to them in section 65;

(c)	 “unabsorbed depreciation” means so much of the allowance for depreciation in the hands of amalgamating co-operative bank or demerged
co-operative bank, which remains to be allowed and which would have
been allowed to such banks, if the business reorganisation had not taken
place.
In simple language

Section 118 addresses business reorganisation of co-operative banks, including amalgamation and demerger. It allocates accumulated loss and unabsorbed depreciation to the successor or resulting bank, prescribes conditions, and contains a recapture mechanism if those conditions fail.

Practical example

A co-operative bank demerges one undertaking. Directly relatable losses move with that undertaking; common amounts require the statutory allocation method. The resulting bank must maintain a reconciliation between the scheme, assets, liabilities and loss registers.

Exception / professional alert

The provision can split a tax year around the reorganisation event. Accounting cut-off and return schedules should match the statutory allocation.

Section 119

Carry forward and set off of losses not permissible in certain cases

1961 Act: Sections 78 and 79

Statutory text

119.	 	(1) In case of change in constitution of a firm during a tax year, nothing in
	 	 	 	 	this Chapter shall entitle the firm to have carried forward and set off so much
of the loss proportionate to the share of a retired or deceased partner as exceeds
his share of profits, if any, in the firm in respect of the tax year.
(2) If any person carrying on any business or profession has been succeeded in such
capacity by another person, otherwise than by inheritance, nothing in this Chapter
shall entitle any person other than the person incurring the loss to have it carried
forward and set off against his income.
(3) Irrespective of anything contained in this Chapter, in case of a change in shareholding during the tax year of a company (not being a company in which the public
are substantially interested),—

(a)	 no loss incurred in any year prior to the tax year shall be carried forward
and set off against the income of the tax year unless on the last day of
the tax year, the shares of the company carrying not less than 51% of the
voting power were beneficially held by the persons who beneficially held
shares of the company carrying not less than 51% of the voting power
on the last day of the year or years in which the loss was incurred; and

(b)	 regardless of the change in percentage of shareholding, where the company is an eligible start up referred to in section 140, the loss incurred
in any year prior to the tax year shall be allowed to be carried forward
and set off against the income of the tax year, if—

(i)	 all the shareholders of such company who held shares carrying
voting power on the last day of the year or years in which the loss
was incurred, continue to hold those shares on the last day of such
tax year; and

(ii)	 such loss has been incurred during the period of ten years beginning
from the year in which such company is incorporated.
(4) The provisions of sub-section (3) shall not apply—

(a)	 where a change in the voting power and shareholding takes place in the
tax year referred to in that sub-section due to death of shareholder or
transfer of shares by way of gift to any relative of the shareholder; or

(b)	 where change in shareholding of Indian company, being a subsidiary of
foreign company, takes place due to amalgamation or demerger of the
foreign company and 51% of the shareholders of amalgamating or demerged foreign company are shareholders of amalgamated or resulting
foreign company; or

(c)	 where change in shareholding takes place in a tax year consequent to a
resolution plan approved under the Insolvency and Bankruptcy Code,
2016 (31 of 2016) and a reasonable opportunity of being heard was
afforded to the jurisdictional Principal Commissioner or Commissioner;
or

(d)	 to a company, its subsidiary and subsidiary of such subsidiary, if—

(i)	 the Board of Directors of such company were suspended by the
Tribunal on an application moved by the Central Government
under section 241 of the Companies Act, 2013 (18 of 2013) and new
directors were appointed by the Central Government under section
242 of the said Act; and

(ii)	 the change in shareholding of such company and its subsidiary,
and subsidiary of such subsidiary has taken place consequent to a
resolution plan approved by the Tribunal under section 242 of the
Companies Act, 2013 (18 of 2013) and a reasonable opportunity of
being heard was afforded to the jurisdictional Principal Commissioner or Commissioner; or

(e)	 to a company to the extent that a change in the shareholding has taken
place during the tax year on account of relocation referred to in section
70(2) (Table: Sl. No. 5.C); or

(f)	 to an erstwhile public sector company where ultimate holding company
of such company, immediately after the completion of strategic disinvestment, continues to hold, directly or through its subsidiary or subsidiaries,
at least 51% of the voting power of such company in aggregate.

(5) Irrespective of anything contained in sub-section (4), if the conditions specified
in sub-section (4)(f) is not complied with in any tax year after the completion of
strategic disinvestment, the provisions of sub-section (3) shall apply for such tax
year and subsequent tax years.
(6) For the purposes of this section,—

(a)	 a company shall be a subsidiary of another company, if such other company holds more than half in nominal value of the equity share capital
of the company;

(b)	 the expression “erstwhile public sector company” shall have the meaning
assigned to it in section 116(3)(b);

(c)	 “strategic disinvestment” shall have the meaning assigned to it in section
116(3)(c)(i);

(d)	 “Tribunal” shall have the same meaning as assigned to it in section
2(90) of the Companies Act, 2013 (18 of 2013).
In simple language

Section 119 prevents trafficking or automatic transfer of losses in specified ownership changes. It covers partner exit or death, business succession otherwise than inheritance, and 51% voting-power continuity for closely held companies. It then provides narrowly drafted exceptions, including an eligible-start-up shareholder test and specified reorganisations, insolvency plans, Tribunal-approved plans, fund relocation and strategic disinvestment.

Practical example

A closely held company has ₹60 lakh carried loss. Only 49% of voting power remains beneficially held by the persons who held voting power when the loss arose. Unless an exception applies, the continuity test is not met. An eligible start-up may instead use the original-shareholder continuity route within the statutory ten-year window.

Exception / professional alert

Test beneficial voting power, not only the registered shareholder list. Build a year-by-year cap-table bridge for each loss vintage.

Professional map

Firm changes

Loss attributable to a retired or deceased partner can be restricted by reference to that partner's profit share.

Succession

The successor ordinarily cannot use another person's loss unless the succession is by inheritance or another specific provision applies.

Closely held company

At least 51% beneficial voting continuity is the general test.

Eligible start-up

All persons who held shares in the loss year must continue to hold shares in the set-off year, and the loss must be within the prescribed ten-year incorporation period.

Exceptions

Death, gift to relative, qualifying foreign parent reorganisation, IBC resolution plan, Tribunal-approved scheme, fund relocation and strategic disinvestment are fact-specific exceptions.

Section 120

No set off of losses against undisclosed income consequent to search, requisition and survey

1961 Act: Section 79A

Statutory text

120.	 	(1) Irrespective of anything contained in any other provision of this Act,
	 	 	 	 	any loss, whether brought forward or otherwise or unabsorbed depreciation,
shall not be allowed to be set off against any undisclosed income which is included
in the total income of any tax year, consequent to a search conducted under section
247 or a requisition under section 248 or a survey conducted under section 253, not
being a survey under section 253(4).
(2) For the purposes of this section, the expression “undisclosed income” for any
tax year shall have the meaning as referred to in section 301.
In simple language

No loss - current, brought forward or otherwise - and no unabsorbed depreciation may be set off against undisclosed income included in total income because of a qualifying search, requisition or survey. A survey under section 253(4) is excluded from this specific bar.

Practical example

An assessment following a search includes ₹40 lakh of undisclosed income and the assessee has ₹25 lakh of brought-forward business loss. Section 120 prevents using that loss against the undisclosed income.

Exception / professional alert

The bar is outcome-specific. The meaning of undisclosed income is tied to section 301, so classification of the addition matters.

Section 121

Submission of return for losses

1961 Act: Section 80

Statutory text

121.	 	Irrespective of anything contained in this Chapter, no loss which has not been
	 	 	 	 	 	determined in pursuance of a return filed under section 263(1), shall be
carried forward and set off under section 111(1) or 112(1) or 113(2) or 114(2) or
115(2).
In simple language

Capital loss, ordinary business loss, speculation loss, specified-business loss and race-horse loss cannot be carried forward unless determined pursuant to a return filed under section 263(1). Section 263(1) requires the return on or before the due date. Section 121 does not list house-property loss under section 110 or unabsorbed depreciation under section 33(11).

Practical example

A taxpayer files after the section 263(1) due date and reports ₹7 lakh capital loss and ₹2 lakh house-property loss. Section 121 blocks carry-forward of the capital loss. The house-property loss is not one of the listed sections, though all filing, assessment and evidentiary requirements still apply.

Exception / professional alert

Do not equate a return that computes a loss with an automatic right to carry it. The loss must be determined in pursuance of the qualifying return.

Income-tax Rules, 2026

Rule 60 and Form No. 29

60. Conditions for carrying forward or set-off of accumulated loss and unabsorbed depreciation allowance in case of amalgamation.-
(1) The conditions referred to in section 116(4)(b)(iii) shall be the following:-
(a) the amalgamated company, owning an industrial undertaking of the amalgamating company by way of amalgamation, shall-
(i) achieve the level of production of at least 50% of the installed capacity of the said undertaking before the end of four years from the date of amalgamation; and
(ii) continue to maintain the said minimum level of production till the end of five years from the date of amalgamation; and
(b) the amalgamated company shall furnish to the Assessing Officer a certificate in Form No. 29, duly verified by an accountant as defined in section 515(3)(b), with reference to the books of account and other documents showing particulars of production, along with the return of income for the relevant tax year during which the prescribed level of production is achieved and for subsequent relevant tax years falling within five years from the date of amalgamation.

(2) For the purposes of sub-rule (1)(a), the Central Government, on an application made by the amalgamated company, may relax the condition of achieving the level of production or the period during which the same is to be achieved, or both, in suitable cases having regard to the genuine efforts made by the amalgamated company to attain the prescribed level of production and the circumstances preventing such efforts from achieving the same.

(3) For the purposes of this rule, "installed capacity" means the capacity of production existing on the date of amalgamation.
Production threshold

At least 50% of installed capacity before the end of four years from amalgamation.

Maintenance period

Maintain the threshold until the end of five years from amalgamation.

Installed capacity

Capacity of production existing on the date of amalgamation.

Relaxation

The Central Government may relax the level, time period or both based on genuine efforts and preventing circumstances.

Form No. 29 - operative fields

FORM NO. 29
[See rule 60]
Certificate from the principal officer of the amalgamated company and duly verified by an accountant regarding achievement of the prescribed level of production and continuance of such level of production in subsequent years

Particulars of the amalgamated company
1. Name
2. Address
3. Permanent Account Number
4. Nature of business
5. Email id
6. Contact number

Particulars of the amalgamating company(ies)
7. Name
8. Address
9. Permanent Account Number
10. Nature of business
11. Email id
12. Installed capacity of production as on the date of amalgamation
13. Repeat rows 7 to 12, if required

Particulars of amalgamation and production capacity
14. Date of amalgamation
15. Whether the amalgamated company achieved at least 50% of installed capacity for each amalgamating company
16. Date on which the prescribed production level was achieved
17. Whether the prescribed level was maintained in subsequent years up to the end of five years from the date of amalgamation

Declaration by the principal officer
Verification by the accountant, including examination of books and production records, member registration number, PAN, UDIN (if any), firm details and signature.

The notified form includes detailed declarations, verification clauses and notes. The prescribed form in the Rules governs filing.
Filing discipline

The form is year-specific: it accompanies the return for the achievement year and relevant subsequent years within five years from amalgamation. Production records, capacity evidence, accountant working papers and UDIN data should be retained.

Connected provisions

Regime and computation overlays

Section 33(11)

Controls unabsorbed depreciation. Section 112(3) determines priority when carried business loss also exists.

Section 202

The default individual/HUF regime denies inter-head use of house-property loss and treats specified denied loss or depreciation as fully given effect.

Sections 199-204

Concessional company, co-operative and other regimes can deny carried losses attributable to disallowed deductions.

Section 263(1)

Requires the due-date return. Section 121 links listed carried losses to determination pursuant to that return.

Section 301

Supplies the undisclosed-income concept used by section 120.

Section 536

Transition and savings must be checked for losses originating under the 1961 Act and used after 1 April 2026.

Finance Act, 2026 map

Chapter VII text

No direct textual change was identified in sections 108-121 in the consolidated Act footnotes. Connected changes elsewhere, including section 202 and return/form architecture, remain relevant and are separately flagged.

1961 Act comparison

Old Act to 2025 Act map

2025 Act1961 ActPractical comparison
10870Same-head rule retained; capital-loss matrix expressed directly.
10971Inter-head rule retained, including business-to-salary bar and ₹2 lakh house-property ceiling.
11071BHouse-property loss remains an eight-year, house-property-only carried bucket.
11174Capital-loss categories and eight-year period retained.
11272Business-loss carry-forward and priority over carried allowances retained.
11373Speculation-loss ring-fence and four-year period retained.
11473ASpecified-business loss remains ring-fenced, without an express time cap in the section.
11574ARace-horse activity loss remains a four-year restricted bucket.
11672AReorganisation framework consolidated, with original-loss-year clock for specified post-1 April 2025 events.
11772AASpecified banking/Government amalgamation scheme provision retained.
11872ABCo-operative-bank reorganisation provision retained.
11978 and 79Firm/succession and closely-held-company continuity rules consolidated into one section.
12079ASearch/requisition/survey undisclosed-income set-off bar retained.
12180Qualifying timely return remains essential for listed loss categories.

Legacy judicial principles

CIT v. Harprasad & Co. (P.) Ltd. [1975] 99 ITR 118 (SC)

Loss is negative income within the statutory charging and computation framework. Apply the principle only after checking whether the source and current provision recognise the loss.

CIT v. Manmohan Das (Deceased) [1966] 59 ITR 699 (SC)

The right to set off is examined in the year in which set-off is claimed, while the loss-year determination remains material.

CIT v. Mother India Refrigeration Industries (P.) Ltd. [1985] 155 ITR 711 (SC)

Legacy authority on sequencing current depreciation, carried business loss and unabsorbed depreciation. Current sections 33(11) and 112(3) govern.

CIT v. Virmani Industries (P.) Ltd. [1995] 216 ITR 607 (SC)

Legacy authority concerning the broad carry-forward treatment of unabsorbed depreciation; apply only after matching current section 33(11).

Marshall Sons & Co. (India) Ltd. v. ITO [1997] 223 ITR 809 (SC)

The effective date of a court-sanctioned amalgamation scheme can be critical. The scheme, order and statutory tax conditions must be read together.

Use with care

Legacy decisions remain persuasive only where the relevant language and statutory context continue. The 2025 Act text and 2026 Rules must be applied first.

CA / finance / professional practice

Applied case studies

Case 1: House-property ceiling

A salaried individual has house-property loss of ₹3.50 lakh and interest income of ₹80,000 under the regular regime. Apply ₹2 lakh inter-head ceiling; carry ₹1.50 lakh under section 110.

Case 2: Default regime house-property loss

An individual remains under section 202. Do not apply section 109 in isolation: section 202(2)(b)(ii) blocks inter-head set-off and section 202(3) governs later effect.

Case 3: STCL sequence

STCL ₹6 lakh, STCG ₹2 lakh and LTCG ₹5 lakh. The loss can absorb both; ₹1 lakh net capital gain remains.

Case 4: LTCL restriction

LTCL ₹6 lakh, STCG ₹7 lakh and LTCG ₹1 lakh. Only ₹1 lakh can be absorbed; ₹5 lakh LTCL carries and STCG remains.

Case 5: Current business loss

Business loss ₹8 lakh, salary ₹10 lakh, house-property income ₹2 lakh and interest ₹1 lakh. The business loss cannot reduce salary but may be tested against eligible non-salary heads under section 109.

Case 6: Brought-forward business loss

Carried business loss cannot be set off against next-year capital gain merely because current-year business loss could have wider inter-head operation.

Case 7: Priority rule

Brought-forward business loss and unabsorbed depreciation coexist. Apply section 112(3) and section 33(11) in the statutory order.

Case 8: Speculation expiry

A speculation loss from tax year 2026-27 remains unused after four succeeding tax years. It expires even if ordinary business profit exists.

Case 9: Specified-business continuity

A specified-business loss remains unabsorbed for several years. The section contains no express four- or eight-year period, but it stays ring-fenced.

Case 10: Late loss return

A return filed after the section 263(1) due date reports capital loss and house-property loss. Section 121 blocks the capital-loss carry-forward but does not list section 110.

Case 11: Amalgamation production

An amalgamated industrial undertaking reaches 50% installed capacity in year 3 and maintains it through year 5. File Form 29 for the achievement year and subsequent relevant years within the five-year period.

Case 12: Amalgamation shortfall

Production reaches only 45% by the end of year 4. Consider a Central Government relaxation application supported by genuine-effort evidence; do not assume automatic eligibility.

Case 13: Demerger allocation

Loss directly linked to the transferred undertaking follows it; common loss is apportioned under the statutory asset ratio.

Case 14: Conversion to company

A firm transfers only operating assets but leaves liabilities behind. The section 116 conversion gateway may fail because all assets and liabilities must transfer.

Case 15: Closely held share change

Only 49% beneficial voting continuity remains. Loss set-off is barred unless a statutory exception applies.

Case 16: Eligible start-up

All original shareholders remain but a new investor joins. The alternative start-up test can still operate if every original loss-year shareholder continues and the ten-year condition is met.

Case 17: IBC exception

A shareholding change occurs under an approved resolution plan. Test the exact section 119 exception and preserve the order and ownership bridge.

Case 18: Search addition

Undisclosed income of ₹30 lakh arises from a qualifying search. Neither current nor brought-forward loss nor unabsorbed depreciation may reduce it under section 120.

Q&A

Frequently asked questions

1. What is the first step when a source produces a loss?

Compute each source under the correct head and apply section 108 same-head set-off before considering section 109 inter-head set-off.

108

2. Can short-term capital loss be set off against long-term capital gain?

Yes. Section 108(2)(a) and section 111 permit short-term capital loss against gain from any capital asset.

108, 111

3. Can long-term capital loss be set off against short-term capital gain?

No. Long-term capital loss is restricted to long-term capital gain.

108, 111

4. Can business loss be set off against salary?

No. Section 109(1)(a) expressly prohibits it.

109

5. How much current-year house-property loss can reduce other heads?

Up to ₹2 lakh under section 109, subject to special regime provisions such as section 202.

109, 202

6. How long can house-property loss be carried forward?

For up to eight tax years, and later only against house-property income.

110

7. How long can capital loss be carried forward?

For up to eight tax years, subject to its short-term or long-term character.

111

8. Can brought-forward business loss be used against capital gains?

No. In later years section 112 restricts it to business or professional income.

112

9. Which comes first: carried business loss or unabsorbed depreciation?

Section 112(3) gives carried-forward business loss priority over allowances carried under section 33(11) or 45(7).

112

10. How long can speculation loss be carried?

Four tax years, and only against speculation profit.

113

11. Does specified-business loss expire after eight years?

Section 114 does not state a four- or eight-year cap, but the loss remains ring-fenced to specified-business profit and subject to other applicable provisions.

114

12. How long can race-horse activity loss be carried?

Four tax years, and only against income from the same specified activity.

115

13. Does an amalgamation automatically transfer every tax loss?

No. Section 116 applies only to covered reorganisations and detailed predecessor, successor, continuity and filing conditions.

116

14. What production level does Rule 60 prescribe?

At least 50% of installed capacity before the end of four years from amalgamation, maintained until the end of five years.

Rule 60

15. What is installed capacity for Rule 60?

The production capacity existing on the date of amalgamation.

Rule 60

16. When is Form 29 furnished?

With the return for the year in which the prescribed production level is achieved and for subsequent relevant years falling within five years from amalgamation.

Rule 60, Form 29

17. Can the Rule 60 production condition be relaxed?

The Central Government may relax the level, period or both in suitable cases based on genuine efforts and preventing circumstances.

Rule 60

18. Does a demerger restart the loss carry-forward period?

No. The applicable original-loss-year rules and section 116(12) must be followed; a reorganisation is not a fresh eight-year clock.

116

19. Can a buyer of a business use the seller’s losses?

Ordinarily no under section 119(2), unless succession is by inheritance or another specific statutory route applies.

119

20. What is the general shareholding test for a closely held company?

At least 51% of voting power must remain beneficially held by the prescribed continuity group, subject to exceptions.

119

21. What is the eligible start-up alternative?

Every person who held shares in the loss year must continue to hold shares in the set-off year, and the loss must fall within the ten-year incorporation window.

119

22. Can losses reduce undisclosed income found in a search?

No. Section 120 blocks any loss and unabsorbed depreciation against qualifying undisclosed income.

120

23. Which losses need a section 263(1) return for carry-forward?

Capital, normal business, speculation, specified-business and race-horse activity losses listed in section 121.

121

24. Is house-property loss listed in section 121?

No. Section 121 does not refer to section 110.

110, 121

25. Is unabsorbed depreciation listed in section 121?

No. It is governed principally by section 33(11) and connected provisions.

33(11), 121

26. Does a revised or belated return always preserve listed losses?

The statutory test is that the loss is determined pursuant to a return under section 263(1), which is the due-date return provision. Facts and return history must be checked carefully.

121, 263

27. What records should be kept for every carried loss?

Keep tax-year origin, head and subcategory, assessment status, utilisation history, expiry year, return filing evidence and regime-specific restrictions.

108-121

28. Are old judicial decisions automatically conclusive under the 2025 Act?

No. They remain interpretive aids only where the wording and context continue. Always compare the current section and Rules.

108-121
Control framework

Loss register and evidence checklists

Year-wise loss register
  • Tax year of origin and return acknowledgement
  • Head, sub-category and source
  • Assessment or intimation status
  • Opening balance, current use and closing balance
  • Last eligible year
  • Regime-specific restriction
  • Appeal or rectification status
Reorganisation file
  • Scheme, order and effective date
  • Loss and depreciation vintage
  • Business history and asset tests
  • Ownership and voting-power bridge
  • Five-year retention and continuation evidence
  • Production-capacity records
  • Form 29 and accountant work papers
Return close checklist
  • Complete intra-head matrix
  • Complete inter-head matrix
  • Section 202 or special regime overlay
  • Timely return under section 263(1)
  • Reconcile schedules with prior-year order
  • Tag expiring losses
  • Document non-use of restricted buckets
Audit challenge questions
  • Is loss character preserved?
  • Is same business required by the section?
  • Has beneficial ownership changed?
  • Does a reorganisation exception truly apply?
  • Was loss first computed in the claimed year?
  • Is any search-related addition undisclosed income?
  • Are carry-forward periods counted from the right year?
Primary authority

Source register

Income-tax Act, 2025 as amended by Finance Act, 2026
Open official consolidated Act

Income-tax Rules, 2026, G.S.R. 198(E)
Open notified Income-tax Rules, 2026

Official provision navigator
Open official provision navigator

Finance Act, 2026 Notes on Clauses
Open Finance Act, 2026 Notes on Clauses

Interplay and transition FAQs
Open official transition FAQs

Form No. 29 FAQs
Open official Form No. 29 FAQs

Finin2min.com | Chapter VII - Set Off and Carry Forward of Losses | Statutory text governs