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GST utility

GST Input Tax Credit Eligibility and Blocked-Credit Checker

Reviewed by Finin2min Editorial Desk · Last reviewed 11 August 2026

Screen invoice-level ITC conditions, section 17(5) blocked-credit categories, payment timing and return cut-off.

Screen an inward supply

This is an invoice-level screen; proportionate reversals and common-credit rules need return-level computation.
ITC indicated
Immediate reversal/payment warning

How This Is Calculated

Claiming Input Tax Credit under Section 16 requires satisfying all conditions together: the goods/services are used for business, a valid tax invoice is held, the goods/services are actually received, the credit appears in GSTR-2B, the recipient's return is filed, the supplier has actually paid the tax, and the claim is within the statutory time limit. Even when these are met, Section 17(5) specifically blocks credit on certain categories (like most motor vehicles, food and beverages, and club memberships) unless a listed exception applies.

Frequently Asked Questions

What are the basic conditions to claim ITC under Section 16?
All of these must be satisfied together: possession of a valid tax invoice, actual receipt of goods/services, the supplier having paid the tax to the government, filing of the recipient's own return, the credit reflecting in GSTR-2B, and claiming within the statutory time limit — missing any one condition blocks the credit.
What are examples of Section 17(5) blocked credits?
Common blocked categories include motor vehicles for personal transport (with specific exceptions for further supply, transport services, or driving training), food and beverages, outdoor catering, health and life insurance (unless mandatory or for further supply), club memberships, and goods/services used for personal consumption.
Why does GSTR-2B matter for claiming ITC?
GSTR-2B is the auto-generated statement showing ITC that has actually been reported by your suppliers. A recipient generally cannot claim ITC that doesn't reflect in GSTR-2B, regardless of holding a valid invoice — this is a key check against invoices from non-compliant suppliers.

Source and review trail

Use the current official instrument, portal or regulator publication before acting. This panel separates the category authority from page-specific references.

Official starting point
www.gstcouncil.gov.in

Methodology, assumptions and sources

Scope: Checks Input Tax Credit (ITC) eligibility for a specific purchase/expense, applying the blocked-credit list under Section 17(5) of the CGST Act and the conditions under Section 16.

Calculation logic

  1. Check the general conditions for ITC eligibility under Section 16: possession of a valid tax invoice, receipt of goods/services, tax actually paid by the supplier to the government (reflected in the recipient's GSTR-2B), and the recipient's own return filed.
  2. Check the expense category entered against the Section 17(5) blocked-credit list (e.g., motor vehicles for personal use with limited exceptions, food and beverages, club memberships, works contract services for immovable property construction with limited exceptions, goods/services used for personal consumption) — if it matches a blocked category, ITC is disallowed regardless of the general conditions being met.
  3. Where the expense is used for both taxable and exempt/personal purposes, apply the proportionate ITC reversal principle under Rule 42/43, flagging that only the taxable-business-use proportion is eligible.

Inputs and assumptions

Exclusions and edge cases

Sources

Review status: reviewed and approved by CA Nikhil Gupta on 6 July 2026.

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