Gratuity Trust Fund Consultant
(Corporate
Consulting Firm providing Actuarial, Legal, Insurance and Investment Solutions
for Employee Benefits (i.e. Gratuity, Leave Encashment, Pension, PRMB etc.)
Trusts in compliance of the Payment of Gratuity Act, 1972, The Payment of
Gratuity (Central) Rules, 1972, CCS Pension Rules, 1972, AS 15
(Revised 2005), IndAS 19, IAS 19 (Revised 2011) – IFRS, Part C of Schedule IV
of Income Tax Act, 1961 & Rule 98-111 of Income Tax Rules to Indian and
Multinational Companies)
Registered Office Address - R-11,
First Floor, Vikas Nagar, Uttam Nagar, New Delhi - 110059 (India)
Correspondence Address – Plot Number
16, Fourth Floor, Prem Nagar, Uttam Nagar, New Delhi – 110059 (India)
Mobile Number: 9211637063, Landline Number : 011-45261651
E-mail: tikaramchaudhary@gratuitytrustfund.com, tikaramchaudhary@gmail.com
Website: www.gratuitytrustfund.com
Profile of Our Firm - Gratuity Trust Fund Consultant
Our Firm Gratuity Trust Fund Consultant is an MSME
Registered with Ministry of Micro, Small and Medium Enterprise with
Registration Number UDYAM-DL-11-0013795. Our Consulting Firm is headed by Mr. Tikaram
Chaudhary, he has almost 15 years of experience and specialization in
providing Consultation for Actuarial, Legal, Insurance and Investment matters
related to Old and New Gratuity Trusts as per various provisions of Accounting
Standards (i.e. IndAS19, AS 15 (Revised 2005), IAS 19 (Revised 2011) &
USGAAP ASC 715) Indian Trust Act 1882, The Payment of Gratuity Act, 1972, The
Payment of Gratuity Rules, 1973, Income Tax Act 1961, Income Tax Rules, 1962, Fourth
Schedule of Income Tax Act, 1961 & relevant Acts/Rules.
Generally, Gratuity Trusts are formed by the most reputed
Indian & Multinational Companies as per provisions of in terms of Part
C of Fourth Schedule of Income Tax Act, 1961 in irrevocable System for compliance
of Section 4A of the Payment of Gratuity Act, 1972 and getting
the Tax Benefits available under Section 36 (i) (v) and 10
(25) (iv) of Income Tax Act,1961.
Gratuity Trust Fund Consultant is a Leading Corporate Consulting
Firm served more than 1000 Most Reputed Indian & Multinational Companies
with Actuarial Valuation, Legal, Gratuity Insurance and Gratuity Trust Investment
Solutions for Employee Benefit (i.e.,
Gratuity, Leave Encashment, Pension, PRMB etc.).
GTFC is actively involved in providing End to End Consultation for
effectively implementing Accounting, Actuarial and Legal compliances of the
Payment of Gratuity Act,1972, The Payment of Gratuity Rules, 1973 &
Accounting Standards (AS 15 Revised 2005, IndAS 19 & IAS 19-IFRS)
applicable on Indian & Multinational Establishments. The details of Actuarial,
Legal, Insurance and Investment Compliances related to Gratuity Benefits and other
Defined Benefits are as under: -
1. Gratuity Trust Solutions
The Payment of Gratuity
Act, 1972 is applicable to all establishments (i.e. MNC’s, Schools, Hospitals,
NGO’s, Trust’s and other business entities) having more than 10 employees in
past 12 months before Balance Sheet date. For the purpose of effectively
implementing the Payment of Gratuity Act, 1972, the following compliances and
penal provisions (i.e. Refer Section 9 in the Payment of Gratuity Act, 1972) are
imposed on Establishments by the Competent Authority (i.e., Deputy Labor
Commissioner) regulating the Provisions of the Payment of Gratuity Act, 1972: -
a.
Registration of Establishment (i.e., Submission of Form A –
Notice of Opening in DLC Office)
b.
Maintenance of Records Nominees of Employees in Form F (i.e., For payment of
Death Gratuity)
c.
Maintenance of Records other Forms as prescribed in Rule 3 to
6 of the Payment of Gratuity Rules
d.
Compulsory Gratuity Insurance – Compulsorily applicable to Indian,
US, UK, UAE, Japanese, European, Asian Companies registered with DLC Offices in
jurisdiction of Karnataka, Telangana and Andhra Pradesh.
e.
Establishment of the CIT Approved Gratuity Trust for Compulsory
Gratuity Insurance.
f.
Investment of Gratuity Trust Money into Compulsory Gratuity
Insurance through Group Gratuity Schemes of Insurance companies such as:
a. SBI Life Insurance Company Limited
b.
Life Insurance Corporation of India
c. Pramerica Life Insurance Limited
d. Bajaj Allianz Life Insurance Co. Ltd
e. ICICI Prudential Life Insurance Company Limited
g.
The Process of Establishment of Gratuity Trust for Compulsory
Gratuity Insurance requires Establishment to Involve in following process: -
I. Vetting of Board Resolution for Gratuity Trust Formation,
II. Vetting of Gratuity Trust Deed,
III. Vetting of Gratuity Trust Rules &
IV. Vetting of Application for Approval from CIT in
terms of Rule 109 of Income Tax Rules, 1962 Furthermore, if there is any amendment happened in changes
indicated below then Vetting of Deed of Variations and Applications to CIT are
required by Trustees/Companies for taking Approvals from CIT for retention of
CIT Approval for Gratuity Trust in terms of Part C of Schedule IV of Income Tax
Act, 1961 for getting the tax benefits under Section under Section 36 (i) (v)
and 10 (25) (iv) of Income Tax Act,1961 even after the following changes: -
a)
Change in Name of Trust,
b)
Change in Address of Trust,
c)
Change in Trustees,
d)
Change in Investment Pattern of Gratuity Funds from 1 Insurer to
another
e)
Change in Benefit Formulae for Gratuity Benefits
f)
Change in Retirement Age of Employees
g)
Change in Object of Trust
h)
Change in Trust Rules
i)
For winding up of Trust due to winding up of the Company
j)
For Transfer of Gratuity Fund from one Trust to another in Event
of Merger or De-merger
h.
All matter related to Old Gratuity Trusts and Group Gratuity
Schemes such as Vetting work of Deed of Variations, Application, Board
Resolution and Application to Bank, LIC & CIT in various events such as
Merger, De-merger, Acquisitions etc.
2.
Actuarial Valuation Solutions
As per provisions of
Section 129 of the Companies Act 2013, Indian and Multinational Companies
Operating India needs to prepare the Financial Statement such as Balance Sheet
& Profit/Loss Accounts at the closure of each financial
year in compliance of Accounting Standards as stipulated
in Section 133 of the Companies Act 2013, so that they can give a
true and fair view of state of affairs of the company. Accounting and
Disclosure requirements for Employee Benefits Plans is laid down in the
following 2 Accounting Standards as issued by The Institute
of Chartered Accountants of India (ICAI): -
A.
Indian Accounting Standard for
Accounting of Employees Benefits
INDIAN GAAP- AS-15
(Revised 2005)
IndAS-19
B.
Global Accounting Standard for
Accounting of Employees Benefits
International Accounting
Standard (IAS-19 Revised 2011) of the IFRS
US GAAP – (FAS-87, 88
& 158) etc.
Generally, Actuarial
Valuations for compliance above Accounting Standards are required for following
Employee Benefit Plans under: -
a.
Actuarial Valuation for Gratuity Plans,
b.
Actuarial Valuation for End of Service Benefit Plan,
c.
Actuarial Valuation for Earned Leave Plan,
d.
Actuarial Valuation for Sick Leave Plan,
e.
Actuarial Valuation for Defined Benefit Pension Plans,
f.
Actuarial Valuation for Post-Retirement Medical Benefit Plan,
g.
Actuarial Valuation for Settlement Allowances on Retirement,
h.
Actuarial Valuation for Long Service Award Plans/Incentive Plans,
i.
Actuarial Valuation for Interest Rate Guarantee for Exempted
Provident Funds,
j.
Actuarial Valuation for other Defined Benefit,
Most frequently used terms
used in Actuarial Reports in compliance of the above standards are: -
·
Present Value of obligation.
·
Interest Cost.
·
Current Service Cost.
·
Service Cost
·
Past Service Cost.
·
Curtailment Cost
·
Settlement Cost
·
Service Cost.
·
Benefit Paid.
·
Actuarial Gain/loss
·
Experience adjustment
·
Other Comprehensive Income.
·
Defined Benefit Obligation.
·
Statement of Profit/loss.
·
Interest Rate for Discounting.
·
Salary Escalation Rate.
·
Withdrawal Rate
·
Mortality Rate, etc. etc.
The Actuarial
Valuations are required by the Indian Companies in following events :-
1. For making the Initial & Annual Contribution into Gratuity
Trust Account for Investment in Compulsory Gratuity Insurance.
2. Annually, Half Yearly and Quarterly for making provision of
Gratuity Liability in BS as Accounting Standards (i.e. AS 15 Revised 2005) and
IndAS 19) per Section 133 of the Companies Act, 2013
3. On The Date of Transfer of Employees from One Company to Another
4. On the Date of Acquisition
5. On the Date of De-merger
6. For Submission of Actuarial Reports of last 5 year in SEBI for
Listing on Share Market
7. For assessment of Actuarial Liability for Taking Grant from any
Ministry
Our Team – We have a team of highly skilled personnel equipped with the
expertise-statistical, actuarial and analytical essential to meet the changing
needs of Accounting Standards. Our human resources is our
strength and asset. We have a office with adequate Infrastructure
(Computer Hardware). We also have a team of Legal Consultants, Taxation
Consultants, Actuarial Valuation Consultants & Merchant Bankers Consultants
to attend all critical case related to Employee Benefits Actuarial Valuations
and Trust Formation.
Our Clients: - We have more than 1000 clients spread in all sectors
of the Indian Economy in the Public & Private Sectors
which covers areas of: -
v Manufacturing,
v Software,
v Technology,
v Electricity,
v Electronics,
v Call Centers,
v Banks,
v Schools,
v Universities,
v Educational Institutes,
v IIT’s,
v Hotels,
v Hospitals,
v Hospitality Companies etc. etc.
Contact Person
Tika Ram Chaudhary
Founder
An MSME Registered with Ministry of MSME with Registration Number
- UDYAM-DL-11-0013795
(Corporate Consulting Firm providing Actuarial, Legal, Insurance
and Investment Solutions for Employee Benefits (i.e. Gratuity, Leave
Encashment, Pension, PRMB etc.) Trusts in compliance of the Payment of Gratuity
Act, 1972, The Payment of Gratuity (Central) Rules, 1972, CCS Pension Rules,
1972, AS 15 (Revised 2005), IndAS 19, IAS 19 (Revised 2011) – IFRS, Part C of
Schedule IV of Income Tax Act, 1961 & Rule 98-111 of Income Tax Rules to
Indian and Multinational Companies)
Registered Office Address - R-11, First Floor, Vikas Nagar, Uttam
Nagar, New Delhi - 110059 (India)
Official Communication Address - Plot Number 16, Street Number 9,
Prem Nagar, Uttam Nagar – 110059 (India)
Mobile No. - 9211637063, 9818322186
Landline Number - 011-45261651
E-mail - tikaramchaudhary@gratuitytrustfund.com, tikaramchaudhary@gmail.com
Website - www.gratuitytrustfund.com
LinkedIn Profile - https://www.linkedin.com/in/tika-ram-chaudhary-a5727848/
Ca-club-india Profile - https://www.caclubindia.com/profile.asp?member_id=1446582
Tax Guru Profile - https://taxguru.in/author/tikaramchaudhary@gmail.com/
Website - www.gratuitytrustfund.com
Blog - http://gratuitytrustfundconsultant.blogspot.com
Google Business Listing - https://gratuitytrustfund.business.site/
Our Terms & Conditions:
- All services provided by him are subject to terms &
conditions stated when a job is accepted.
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