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Inventory

Stock Valuation

The process of assigning a monetary value to inventory on hand, using a method such as FIFO or weighted average.

Stock valuation determines the value of inventory held at a point in time and the cost charged when goods are sold. The chosen method — commonly FIFO or weighted average in Indian SMEs — affects both COGS in the P&L and closing stock on the balance sheet.

Consistent valuation is important for comparable accounts and is expected by auditors and tax authorities.

Valuation starts with defining cost: the purchase price plus non-creditable duties, freight inward and other expenses of bringing goods to their present location and condition, minus trade discounts. GST for which input credit is claimed stays out. Accounting standards then require stock to be carried at the lower of this cost and net realisable value — the estimated selling price less the costs still to be incurred to make the sale.

The write-down rule bites whenever goods deteriorate. Suppose an item cost ₹150 but, being shop-soiled, will now fetch only ₹100 after spending ₹10 on repacking. Its net realisable value is ₹90, so it is carried at ₹90 and ₹60 is charged to the current year's profit rather than left buried in stock. Expired, obsolete and slow-moving items deserve the same scrutiny at every year-end.

Practice slips in predictable ways: valuing stock at selling price, leaving claimable GST inside cost, and rolling forward last year's rates without a fresh physical count. Goods in transit, stock lying with job-workers and goods sent on approval are routinely missed from the count. Since closing stock feeds both the balance sheet and COGS, every one of these errors flows straight into reported profit.

Common questions

What is the difference between stock taking and stock valuation?

Stock taking is the physical count that establishes quantities on hand; valuation is the pricing of those quantities using a costing method and the lower-of-cost-or-net-realisable-value rule. A perfect valuation method cannot rescue a careless count, which is why both steps deserve equal attention at every year-end.

How often should stock be physically verified?

At minimum once a year at the balance-sheet date, since auditors expect it and closing stock drives reported profit. Businesses with many items increasingly prefer cycle counting — verifying a rotating subset weekly or monthly — which catches shortages and recording errors close to when they happen instead of months later.

Why do banks ask for stock statements from borrowers?

Working-capital limits such as cash credit are secured against stock and debtors, so banks require periodic stock statements to compute drawing power — the amount the borrower may actually draw. The figures should reconcile with the books; inflated statements are a serious irregularity that can cost the limit and invite scrutiny.

Does writing off stock affect GST?

Yes. When goods are destroyed, lost, stolen or written off, GST law generally requires reversal of the input tax credit claimed on them, since the goods were never used for taxable supply. The stock loss therefore carries a tax cost on top of the book write-down, making prevention doubly worthwhile.

Put it into practice with LekhaPro

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