Mashreque Bank vs Dy. Director of Income Tax


Income Tax Appellate Tribunal - Mumbai


Mashreque Bank vs Dy. Director Of IncomeTax on 23 August, 2007

1. This is an appeal filed by the assessee and is directed against the order dated 15-1-2001 by the Commissioner (Appeals) in the matter of assessment under Section 143(3) of the Income Tax Act, 1961, for the assessment year 1997-98.

2. Ground Nos. 1, as raised in the grounds of appeal before us, was stated to be not pressed. As such the same is dismissed for want of prosecution.

3. In ground Nos. 2 and 3, the only grievance pressed before us is that in view of the provisions of Article 7(3) of India-UAE tax treaty, artificial disallowances such as in respect of entertainment expenses and in respect of payments in violation of Rule 6D cannot be made.

4. This issue also came up in assessee's own case for the assessment year 1996-97 which was heard along with this appeal. Learned representatives have fairly agreed that whatever is decided in the assessment year 1996-97 will follow in this year as well.

5. While dealing with the assessment year 1996-97, and vide our order dated 13-4-2007, we have observed as follows:

5. We find that all the three orders passed by the co-ordinate Benches, which have been cited at the bar by the learned Counsel, dealt with the issue as to whether or not artificial disallowances under the Indian Income Tax Act can be made while computing the profits attributable to a PE under the old India-France tax treaty [(1970) 76 ITR (St.) 1]. In thefirst order in the case of Degremont International(supra), which has beensubsequently followed in other orders cited at the bar, the co-ordinate Bench was dealing with the question whether restriction on deduction ofhead office expenses under Section 44C is to be viewed as contrary to the provisions of the India-France tax treaty. A note was taken of Article 111(3) of the treaty which provided that, as summarised in the said order,"whatever is reasonably allocable out of the expenditure incurred in boththe countries, should be allocated and allowed as deduction". In theimmediately following sentences and in the same breath, the co-ordinate Bench concluded that "We consider it a very specific provision incomputing the income of a non-resident having activities in India and France. Therefore, the provisions of Section 44C will not be applicable". In the present case, we are not concerned with Section 44C. In any event, having carefully gone through this decision, we find that the attention of the Tribunal was apparen tly not invited to the provisions of Article XIX(1) of the same treaty which specifically provided that "the laws in force in either of the Contracting State will continue to govern the taxation of income in the respective Contracting State except where specific provisions to the contrary is made in the present agreement". The provisions of Article 111(3) of India-France treaty obviously cannot be read in isolation with other relevant provisions of the treaty. However, since attention of the Tribunal was never invited to article XIX(1), nor did the Tribunal have any occasion to deal with the same, the conclusion arrived at by the Tribunal did not take into account provisions of the treaty as a whole. In a later decision by another co-ordinate Bench of this Tribunal, ie., in the case of DCIT v. Mitsubishi Heavy Industries Ltd. 61 TTJ 656, took note of similar provision in Indo-Japan tax treaty, and, in view thereof, rejected the contentions of the assessee by observing as follows:

Ground No. 5 relates to the findings given by the Commissioner (Appeals) holding that in view of Article 111(3) of DTA with Japan, no disallowance can be made under Rule 6D, Section 40A(3), Section 40A(12), Section 37(2A) and Section 43B of the Income Tax Act, 1961.

Article 111(3) in the relevant DTA relating to the year under consideration only provides that in determining the industrial or commercial profits of a permanent establishment, there shall be allowed as deduction all expenses, wherever incurred, reasonably allocable to such permanent establishment. It does not expressly provide that the provisions of domestic income-tax law governing the allowability of various expenses will be subject to limitations and conditions prescribed in the relevant provisions contained in the Income Tax Act, 1961. We. however, find in article XI(1), it has been clearly provided as under:

Article XI : The laws in force in either of the Contracting State will continue to govern the taxation of income in respective Contracting State except where provisions to the contrary are made in the present agreement.

In view of the aforesaid clause, the provisions of the Income Tax Act, 1961, relating to computation of taxable income will apply in the case of the assessee except where the provisions contained in the DTA are contrary to the conditions specifically mentioned in the Income Tax Act. Therefore, the Commissioner (Appeals) was not justified in deleting the aforesaid disallowances on the ground that all the provisions will not be applicable in the case of the assessee....

6. In this view of the matter, Tribunal's decision in the case of Degremont International (supra) was not applied in subsequent decisions in the context of the tax treaties where specific provisions are made to the effect that the laws in force in either of the Contracting State will continue to govern the taxation of income in respective Contracting State except where express provisions to the contrary are made in the such agreement. The decision in Mitsubishi's case (supra) is a later decision, is arrived at after taking into account all the relevant provisions and not only Article 111(3) in isolation, and is specifically in the context of artificial disallowances under Section 40A(3), Section 40A(12), Section 37(2A) and Section 43B, etc. We have to accept the fact, as clearly discernible from unequivocal stand taken by another co-ordinate Bench in Mitsubishi's case (supra), that Degremon International (supra) was rendered by oversight and oblivious of the provisions of article XIX(1) of old India-France tax treaty. In any event, it does not have precedence value in the context of India-UAE tax treaty, particularly as we take note of the provisions of Article 25(1) of the tax treaty read with observations made by another co-ordinate Bench in Mitsubishi's case (supra). The provisions in India-UAE tax treaty are specific and admit no ambiguity on question of applicability of domestic tax laws in the absence of specific provisions to the contrary under the tax treaty.

7. When this was pointed out to the learned Counsel, our attention was drawn to the decision of Kolkata Special Bench in the case of ABN Amro Bank v. ADIT 97 ITD SB 89 (Kol) wherein, on materially identical provision, the Special Bench has held that provisions of Section 40(a)(i) are not applicable in the case of interest paid by the banks. In our considered view, however, the ABN Amro Special Bench decision (supra) is certainly not an authority for the proposition that disallowance under Section 40(a)(z) are impermissible under the provisions of India-Japan tax treaty. As a matter of fact, in the said decision, the Special Bench held that the provisions of Section 195 do not come into the play in the case of Branch head office transactions because these are transactions from self to self.

The Special Bench, inter alia, observed as follows:

30. The assessee in this case is the corporate body and its branches are paying interest to its head office and other offshore Branches, i.e., the payment is by one wing of the assessee to its other wing or so to say by one hand to another. The tax is to be deductible under Chapter XVII-B of the Act and in case of a payment to non-resident it is Section 195 of the Income Tax Act. This section provide that "Any person responsible for paying to a non-resident, not being a company, or to a foreign company, any interest or any other sum chargeable under the provisions of this Act not being income chargeable under the head 'Salaries' shall, at the time of credit of such income to the account of the payee or at the time of payment thereof in cash or by the issue of a cheque or draft or by any other mode, whichever is earlier, deduct income-tax thereon at the rates in force." The Branch/PE of the assessee in India is not a person in legal terminology. The person is the Corporate Body-ABN Amro bank NV and not its Branch or the PE. This is also evident from the fact that assessment in this case is made on the Corporate Body-ABN Amro bank NV and not on its Branch or PE. We, therefore, find force in the assessee's contention that the provisions dealing with deduction of tax at source under Section 195 pre-supposes the existence of two distinct and separate entities which is absent in the present case. On both the grounds therefore Section 40(a)(i) does not come into play.

Disallowance of interest on this by invoking the provisions of this section would not be justified.

8. As regards the question of impermissibility of artificial disallowances by the virtue of the provisions of Article 7(3), there is no specific finding by the Special Bench. We reproduce below the entire paragraph, on which learned Counsel has placed the reliance, for ready reference:

50. On a close reading of these provisions, we find that Clauses 1, 2, 5, 6 and 7 of Article 7 of the Japanese Double Taxation Avoidance Agreement are similarly worded as Clauses 1, 2, 4, 5 and 6 of Netherlands Double Taxation Avoidance Agreement. Clause 3 of the Japanese Double Taxation Avoidance Agreement merely incorporates the first part of Clause 3(a) of Netherlands Double Taxation Avoidance Agreement and the proviso placing a restriction by the law of the State in which PE is situate are not incorporated. Again, Clause 3(b) of Netherlands Double Taxation Avoidance Agreement which prohibits allowance of certain expenditure is also missing in Japanese Double Taxation Avoidance Agreement. There is no other material difference between the two treaties. As pointed out by the learned Counsel of the assessee; there are no restrictive covenants in Article 7 for allowance of expenses incurred for the purposes of PE either by the prefix of the words "in accordance with the provisions of the law of that State" or by the suffix words "and subject to limitations of taxation laws of that State". This may be one of the other alternate reasons for not invoking the provisions of Section 40(a)(i) of the Income Tax Act for disallowing the payment of interest in computing the income of the assessee through the PE. However, here also, the deeming fiction of treating the PE as a different and separate entity dealing wholly independently with the enterprise in Clause 2 of the Article 7 of Japanese Double Taxation Avoidance Agreement or for the specific purpose of computing the income attributable to the PE and not for any other purposes.

Therefore, for the reasons stated above while dealing with the Netherlands Double Taxation Avoidance Agreement, we hold that no tax was required to be deducted under Section 195 of the Act from the payment of interest by the PE to its head office or other offshore branches of the assessee-enterprise, Bank of Tokyo. We, therefore, uphold the order of the Commissioner (Appeals) in vacating the order under Section 201 of the Act by holding that the assessee was not in default in deducting the tax at source. (Emphasis herein italicised print in supplied)

9. A plain reading of the above paragraph indicates that while the Special Bench has indeed taken note of the argument that in terms of the provisions of Article 7(3), the provisions of Section 40(a)(i) do not apply, the decision of the Special Bench rests on the principle, as laid down while dealing with Netherlands treaty, that payments from self to self cannot saddle the assessee with tax withholding liability. We are in respectful agreement with the principle so laid down by the Special Bench. We have noted that the Tribunal has not given any finding direct or even indirect-approving the argument that artificial disallowances are not permissible under the provisions of the India-Japan tax treaty. The Special Bench has merely speculated about the reasons of the assessing officer's stand about non-deduction of tax at source, and has not adjudicated upon the same. The Special Bench did not see, and very appropriately so, any need to adjudicate on this ground, because irrespective of whether or not provisions of Section 40(a)(z) laying down disallowance of expenditure in respect of which tax withholding liability is not discharged by the assessee, apply to the assessee, there was no tax withholding requirement on payments from branch office to head office, or vice versa. The question about applicability of Section 40(a)(i), therefore, was entirely academic in this context. Merely because the Special Bench has noted an argument, even though it has not adjudicated upon the same, it cannot be inferred that the Special Bench has approved the said argument. We reject the plea of the learned Counsel. The next line of defence by the learned Counsel is his reliance on the Tribunal's decision in the case of Siemens AG v. ITO 22 ITD SB 87. It is submitted that in this decision, the Tribunal has held that definition of 'royalty' under the Income Tax Act will not have any bearing in deciding the scope of expression 'royalty' for the purposes of the tax treaty. We are in respectful agreement with the views so stated by the Tribunal, but we are unable to comprehend as to how this proposition can enable us to ignore the specific provisions of the India-UAE tax treaty. Article 25( 1) of the applicable India-UAE tax treaty [(1994) 205 ITR (St.) 49] specifically provides that "the laws in force in either of the Contracting State will continue to govern the taxation of income in respective Contracting State except where express provisions to the contrary are made in the present agreement". We are, therefore, not persuaded by the submissions of the learned Counsel to the effect that provisions of the Income Tax Act have no application in the matter. In view of this specific provision being a part of the India-UAE tax treaty, it cannot be said that by the virtue of Article 7(3) of the treaty which provides that "in determining the profits of a permanent establishment, there shall be allowed as deductions expenses which are incurred for the purposes of the business of the permanent establishment, including executive and general administrative expenses so incurred, whether in the State in which the permanent establishment is situated or elsewhere", the provisions of Indian Income Tax Act will not apply with regard to deducibility of expenses. In this view of the matter, and respectfully following the Mitsubishi decision (supra), we hold that the provisions of domestic tax laws in India as also in UAE will continue to apply except to the extent specific contrary provisions are set out in the India-UAE tax treaty. The assessee thus derives no advantage from the provisions of Article 7(3) so far as freedom from artificial disallowances under Section 40A(3), Section 40A(12), Section 37(2A) and Section 43B is concerned. As there is no specific contrary provision in the treaty, these and similar other restrictions on deductibility of expenses under the Indian Income Tax Act continue to be applicable, in computation of profits attributable to Indian PEs of UAE tax residents. The plea of the assessee is thus devoid of legally sustainable merits.

10. The Canadian Federal court had an occasion to deal with the question whether a tax treaty, when providing that 'in determining the profits of a PE, there shall be allowed as deduction, expenses which are incurred for the purposes of the PE, including executive and general administrative expenses so incurred, whether in the State in which PE is situated or elsewhere' enable the deduction of items not permitted by domestic law, so that non-residents are better off than residents. Even without the aid of a provision similar to one which exists in Article 25(1) of the India-UAE tax treaty, the court answered this question in negative and decided the issue against the taxpayer. In the case of Utah Mines v. The Queen 92 DTC 6194 : (1992) 1 CTC 306, and while dealing with the issue whether in view of the provisions of Article 7(3) of Canadian-US tax treaty, royalties paid by PE of US company to the provincial government, which were not tax deductible under the Canadian domestic tax law, could be allowed as deduction, the court observed:

The interpretation proposed by the appellant, on the other hand, would have the effect of giving; a US taxpayer with a permanent establishment in Canada a more favourable tax treatment than its Canadian competitor engaged in the same business in this country. Such a result would not be in accordance with the policy expressed in the preamble to the Convention and indeed would be contrary to it. It would take much clearer language than a simple reference to 'all expenses' to bring it about.

11. In a situation, therefore, in which a specific provision like the one in Article 25(1) in India-UAE tax treaty exists, there cannot be any occasion to ignore the limitations on deduction of expenses under the domestic tax legislation. That would be a case of, what can be termed as, reverse discrimination. Just as much a discrimination against a non-resident assessee is undesirable, a discrimination against the resident assessee is also not desirable. As is the underlying philosophy of the tax treaties, there should be a level paying ground for everyone, which must include domestic enterprises as well. When we put this to the learned Counsel, it was submitted that it is not clear as to what was the language in the relevant Double Taxation Avoidance Agreement and whether the government of Canada has used different terminology in different tax treaties. Learned Counsel also submitted that this 'reverse discrimination', as we term it, is not only permissible under the tax treaties, it is also permissible under the Income Tax Act. Our attention was then invited to the provisions of Section 10(15) which provides for certain exemptions only to non-residents, as also the provisions of Section 115A which provides for lower rates of taxes for certain category of incomes of the non-residents. Learned Counsel has also invited our attention to different phraseology employed in different treaties, and contended that a uniform meaning given to all these different expressions will make differentiation in expression meaningless. It is also contented that once a tax treaty is legally entered into by a Contracting State, it is duty of the Contracting State to apply the same in letter and in spirit. Our attention is invited to the CBDT Circular No. 333 which is also referred to by some of the Tribunal decisions cited by the learned Counsel. Learned Counsel submits that it cannot be open to a Contracting State to shy away from implementing a tax treaty on the ground that the consequences of its implementation could be contrary to the intentions of the treaty. We are thus urged to interpret the provisions of Section 7(3) to mean that all the expenses, irrespective of the limitations under the domestic tax laws, incurred by the PE are to be allowed as deduction in computing the taxable profits of the PE.

12. We are not impressed with this line of reasoning either. As far as learned Counsel's reference to exemptions available to non-resident taxpayers, under the Indian Income Tax Act, is concerned, it is important to bear in mind that an exemption for aliens essentially seeks to restrict host country's jurisdiction to tax, and it is well-settled that, as has also been observed by Prof. Kees Van Raad,
'while nationality is virtually unconditionally employed as a ground of non-discrimination...it is not related to the use of nationality as jurisdictional basis for Income-taxes....' [Non-discrimination in Income Tax Law - Prof. Kees Van Raad, at page 15]. Therefore, non-taxability of any of an aliens income source in the host country cannot be viewed as discrimination in his favour. It is, therefore, too far-fetched to suggest that availability of certain tax exemptions to aliens shows that reverse discrimination is generally permissible under the scheme of Indian Income Tax Act. We reject this proposition. As far as learned Counsel's reference to Section 115A is concerned, this is also fallacious inasmuch as it does not take into the fact that the related incomes are taxed on gross basis in the hands of the nonresidents taxpayers and net basis in the hands of the resident taxpayers. Dealing with this aspect of the matter, a co-ordinate Bench of this Tribunal, in the case of DCIT v. Boston Consulting Group (P) Ltd. 94 ITD 31 has observed as follows:

19. Section 44D was brought on the statute, with effect from 1 -4-1976, by the Finance Act, 1976. By the same Finance Act, Section 115A was also introduced. Section 44D, as we have already seen, provides for taxation of royalties and fees for technical services on gross basis and without allowing any deduction for expenses incurred in earning the said income. Section 115A, on the other hand, provides for a special rate of tax on certain incomes including the income from royalties and fees for technical services. The provisions of these two Sections are required to be read together inasmuch as while one section lays down that no deductions are permissible in computation of income from, inter alia, royalties and fees for technical services, the other section provides for a lower rate of tax from the said income. These are complementary provisions in that sense. These two Sections are to be read in conjunction and not in isolation. Explaining the scope and nature of these sections, Board Circular No. 202, dated 5-7-1976 105 ITR Statute 17 stated that:

Special provision for computing income by way of royalties and technical service fees in the case of foreign companies - New Section 44D.

26.1 Hitherto, income by way of royalties received under agreements made after 31-3-1961, and approved by the Central Government wastaxed in the hands of foreign companies at the rate of 52.5 per cent [income-tax 50 per cent plus surcharge 2.5 per cent]. Income by way of technical service fees received under agreements made after 29-2-1964, and approved by the Central Government was also taxed at the same rate. In either case, the taxable income was determined on net basis, ie., after allowing deduction in respect of costs and expenses incurred for earning the income.

26.2 The Finance Act has inserted a new Section 44D in the Income Tax Act, 1961, which lays down special provisions for computing income byway of royalties and fees for technical services received by foreign companies from Indian concerns....

26.3 As regards royalties and technical service fees received under agreements made on or after 1-4-1976 [other than agreements which though made on or after that date or regarded as having been made before that date as explained in paragraph 26.2] no deduction will be allowed in computing the income from the aforesaid sources, regardless of whether the agreement has been....

36.1 ...income by way of royalty or fees for technical services received by them from Indian concerns in pursuance of approved agreements made on or after 1-4-1976, will now be charged to tax at flat rates applicable on the gross amount of such income. The rates of income-tax to be applied in respect of such income have been specified in new Section 115A of the Income Tax Act and are as follows:

 (iii) Income by way of fees for technical services received by a foreign company from an Indian concern in pursuance of an approved agreement made on or after 1-4-1976, will be charged to tax at the rate of 40 per cent on the gross amount of such fees.

The periodic changes in Section 441 have been accompanied by the corresponding changes in Section 115A. It is thus clear that non-deduction of expenses under Section 44D, which means that the taxability is on gross basis, is coupled with a special rate of tax for such income on gross basis under Section 115A....

13. In this view of the matter, the comparison of lower tax rates under Section 115A, for the non-resident tax payers, with higher tax rates under the Finance Act, for resident tax payers, is irrelevant. In the case of nonresidents, there were restrictions for deduction of expenses incurred for earning dividend, interest and royalty incomes. It is also interesting to note that when the restrictions under Section 44D ceased to be effective from 1-4-2003, the corresponding income, ie., income from royalties and fees for technical services, was also taken out of the ambit of lower tax rate under Section 115A. Therefore, taxability of incomes at a lower rate under Section 115A cannot be viewed in isolation. The relevant incomes are taxed on net basis in the formal case, while taxability is on the net basis in the latter. When tax base is not the same, the comparison of tax rates is meaningless.

14. Let us also not forget the fact that principles governing a tax treaty arequite different vis-à-vis principles governing a tax legislation. Hon'ble Supreme Court, in the case of Union of India v. Azadi Bachao Andolan (2003) 263 ITR 706 (SC) had an occasion to deal with the principles governing the interpretation of tax treaties. In this regard, Hon'ble Supreme Court held that the principles adopted in the interpretation of treaties are not the same as those adopted in the interpretation of statutory legislation. Their Lordships quoted, with approval, following passage from the judgment of the Federal court of Canada in the case of M. Gladden v. Her Majesty the Queen 85 DTC 5188, at page 5190 wherein the emphasis is on the 'true intentions' rather than 'literal meaning of the words employed':

Contrary to an ordinary taxing statute, a tax treaty or convention must be given a liberal interpretation with a view to implementing the true intentions of the parties. A literal or legalistic interpretation must be avoided when the basic object of the treaty might be defeated or frustrated insofar as the particular items under consideration are concerned.

In the said judgment, as noted by their Lordships at page 743, the Federal Court of Canada recognized that "we cannot expect to find the samenicety or strict definition as in modern documents, such as deeds, or Acts of Parliament, it has never been habit of those engaged in diplomacy to use legal accuracy but rather to adopt more liberal terms."

15. It is thus clear that one of the basic principles governing the interpretation of tax treaties is that a tax treaty must be interpreted ingood faith. Article 31(1) of the Vienna Convention governing the interpretation of tax treaties also lays down that, "a treaty shall be interpreted in good faith, in accordance with the ordinary meaning to be given to the terms of the treaty in their context and in the light of its objects and purpose". It is, therefore, important that undue emphasis should not, in any event, be given to a legalistic and literal approach in interpreting a tax treaty; the effort should always be made to harmonise the interpretation of the words of the treaty with its object and purpose. Viewed in this perspective, in our considered view, it is not possible to proceed on the basis that a discrimination in favour of the non-resident tax payer by the host country, without any specific provision to that effect, can be inferred. It is only elementary that a tax treaty is required to be read as a whole and, when the India-UAE tax treaty is read as a whole, the scheme of non-discrimination is clearly discernible from the scheme of things. It would, therefore, be quite inappropriate to read the provisions of the treaty in such a manner so as to result in discrimination against residents of one of the Contracting States; there cannot be any justification for exception to this underlying object of the treaty by reading the provisions of tax treaty in such a manner as to permit discrimination against residents of PE host country. When a treaty explicitly seeks to ensure that there is no discrimination by the host country against a non-resident, who is resident of the other Contracting State, it is really incongruous to interpret the treaty in such a manner that host country has to discriminate against its own residents vis-a-vis the residents of the other Contracting State. Such an interpretation will not only be contrary to the provisions of the Vienna Convention but also contrary to the law laid down by the Hon'ble Supreme Court of India, which, in turn, has concurred with Canadian Federal court on the principles governing tax treaties. For this reason also, the proposition advanced by learned Counsel does not meet our approval.

16. The next thing that needs our consideration is learned Counsel's suggestion that different phraseology employed in the Indian tax treaties warrant an interpretation in such a manner that a uniform meaning is notgiven to all these different expressions because differentiation in Gexpression will then be rendered meaningless. Unlike a piece of tax legislation, which is creature of a sovereign State, a tax treaty is a result of bilateral negotiations. Therefore, the wordings of a tax treaty are essentially dependent on the priorities of, and acceptability by, the Contracting States parties to such a tax treaty. It is only elementary that these factors vary from one of set of Contracting States to another set of Contracting States. The same purpose, therefore, can indeed be intended even by radically different phraseology employed in tax treaties to which a particular country is one of the parties. In the case of tax legislation, however, things are quite different, because, as we have emphasized earlier, tax legislations are unilateral acts of the law making bodies, and when a law making body makes even slightest departure from the expression it is used earlier, the normal inference is that such deviation, being a unilateral act, has some specific intent and purpose. The tax treaties being product of bilateral negotiations, deviation in language of the tax treaties entered into by a country, does not necessarily indicate a deviation in objectives and purpose that these tax treaties seek to achieve. It is also not common that some of the Contracting States are too conservative in their approach and insist on certain provisions as a measure of abundant caution [ex abudanti coutela]. As regards learned Counsel's contention that once a Contracting State enters into a tax treaty it cannot be open to that Contracting State to shy away from implementing such a tax treaty on the ground that the consequences of its implem entation could be contrary to the intentions of the treaty, we quite agree with the learned Counsel. However, what is needed to be implemented is a clear and unambiguous provision. At best, if there is an ambiguity in the provisions, it needs to be resolved by way of harmonious construction in accordance with the well-settled principles of tax treaties. It cannot be, in any event, open to anyone to embark upon the voyage of discovery in search of hidden meanings or intent of parties, net supported by the specific expressions to articulate the same, and then proceed to give life to these inferences - that too in a manner contrary to the scheme of the tax treaty. We do not find any specific provision in the tax treaty which supports learned Counsel's understanding about the scope of Article 7(3); in fact, we find, as we have elaborated earlier, specific provision in the treaty which is quite to the contrary. We, therefore, reject this contention as well.

17. In United Kingdom, revenue's International Tax Handbook (IH 859) uses exactly the same argument, as was taken by the Federal court of Canada in the case of Utah Mines (supra), and states that:

We take the view that neither the Business Profit article in general nor the specific provision concerning the expenses in particular requires us to allow expenses which are not admissible in United Kingdom domestic law. For example, we could not allow capital expenses or entertaining expenses. We say that each Contracting State is entitled to apply its own general principles and rules in computing the profits it has right to tax. It would be inequitable to permit a non-resident trading in a territory though a permanent establishment to deduct items that a resident competition would not be permitted to deduct.

18. Once again, here also the applicability of domestic law restrictions on deduction of expenses is on an independent reading of Article 7(3) and without recourse to a treaty provision analogous to the provision of Article 25(1) in India-UAE tax treaty. The case before us is much more favourable to the revenue because there is a specific provision for the applicability of the domestic law in the light of the provisions of the Article 25(1) of the India-UAE tax treaty.

19. Well known international tax scholar Prof. Klaus Vogel, in his book 'Klaus Vogel on Double Taxation Conventions' has taken note of some of the tax treaties which contain, in Article 7(3), a specific provision to the effect that allowability of expenses incurred for the purposes of PE has to be "according to the domestic law of the Contracting State in which the permanent establishment is situated" and, in this specific context, observed as follows:

...And the additional phrase that the deductible expenses shall be determined according to the domestic law of the State of the permanent establishment is merely a clarificatory one, since such profits of a permanent establishment as are subject to tax would have to be determined under the domestic law of the State of permanent establishment even if this were not expressly stipulated....

20. In this view of the matter, unless there is a specific provision to the effect that restrictions under domestic tax laws on deduction of expenses are to be ignored, the same will have application in computation of PE profits. The specific provisions in some of the treaties [such as India-Australia tax treaty for example] to the effect that profits are to be computed according to the domestic law of the Contracting State in which a PE is situated, is, according to the learned scholar, no more than clarificatory in nature. A school of thought thus exists that specific mention of the applicability of domestic law limitations in computation of profits of the. permanent establishment is justified as a measure of abundant caution and is made ex abudanti coutela. It is, however, not necessary to go into that aspect of the matter any further at this stage.

21. In view of the above discussions, and particularly bearing in mind the provisions of Article 25(1) of the India-UAE tax treaty, we are of the considered view that the limitations under the domestic tax laws are to be taken into account for the purposes of computing profits of a PE under Article 7(3) of the India-UAE tax treaty. The plea of the assessee is incompatible with overall scheme of the tax treaties, particularly India-UAE tax treaty. Accordingly, the conclusion arrived at by the Commissioner (Appeals) meets our approval. We confirm the same and decline to interfere in the matter.

6. We see no reasons to take any other view of the matter than the view so taken by us for the assessment year 1996-97. Accordingly, for the detailed reasons set out in the said order and which have been reproduced above, we dismiss the grievance of the assessee and decline to interfere in the matter. The disallowances sustained by the Commissioner (Appeals) are approved and confirmed.

7. Ground Nos. 2 and 3 are thus dismissed.

8. In Ground No. 4, the assessee has raised the following grievance:

The Commissioner (Appeals) erred in upholding the Assistant Commissioners action of not allowing the appellant's claim that the tax rate applicable to its business income is 43 per cent [40 per cent tax and 7.5 per cent surcharge] and not 55 per cent being the rate applicable to foreign companies for the year under appeal.

The appellant submits that in view of Article 26 of the tax treaty, i.e. non-discrimination clause, read with Section 90(2) of the Income Tax Act, the business income is chargeable to tax at the rate of 46 per cent as is applicable to domestic companies.

9. This issue has also been considered by us while adjudicating upon assessee's appeal for the assessment year 1996-97, which was heard alongwith this appeal. Learned representatives have fairly agreed that our decision on the appeal for the assessment year 1996-97 will apply on this year as well. In our decision dated 13-4-2007 on the said appeal, we have, inter alia, observed as follows:

28. It is also important to bear in mind that provisions of a tax treaty, override domestic law in India, by the virtue of specific provision to that effect in the Income Tax Act. Therefore, this superior position of the tax treaties vis-a-vis domestic law is subject to the conditions so laid down in the 'enabling provision set out under Section 90 of the Act. Now, this enabling provision itself clarifies that differential tax rate between a domestic company vis-a-vis foreign company shall not be construed as discrimination against the foreign companies. To that extent, therefore, overriding effect of the tax treaty provisions is nullified, and the provisions of Article 26(2) of India-UAE tax treaty have to be construed in the light of this limitation. Article 26(2) of the India-UAE tax treaty provides that, "the taxation of a permanent establishment which an enterprise of a Contracting State has in the other Contracting State shall not be less favourably be levied in that other State than the taxation levied on enterprise of that other carrying on the same activities in same circumstances or under similar conditions". In our view, the basic mandate of Article 26(2) of India-UAE tax treaty is that a permanent establishment, in one State, of a non-resident enterprise must not be taxed any less favourably that the enterprise of that State. To that extent, we agree with the learned Counsel.

However, we do not think that for the purpose of this comparison, it is possible to ignore the form of ownership. A comparison can only be made with comparables. Under Article 3(1)(g), the expression "enterprise of a Contracting State" has been defined "as an enterprise carried on by the resident of that Contracting State". And, on the basis of definition of 'resident' under Article 4(1) and of 'person'  under Article 3(1)(e), the expression 'resident* refers to "any individual, a company, and any other entity which is treated as a taxable unit under the taxation laws in force in the respective Contracting States, who, under the laws of that State, is liable to tax therein by the reason of his domicile, residence, place of management, place of incorporation or any other criterion of similar nature". The form of ownership, therefore, becomes relevant. An enterprise cannot be considered in isolation with the person [i.e. individual, company or co-operative society etc.] which carries it on. It is also important to bear in mind that a PE has no distinct form of ownership; the ownership characteristics of a PE have to be the same as that of the enterprise of which it is a PE. Therefore, in a case PE belongs to a banking company formed in UAE, and taxable units of that banking company is "company", such PE can only be compared with a domestic enterprise in India which is assessed as "company" and carries on the same business. In the present case, the assessee before us is admittedly a company incorporated in the UAE, and, therefore, for the purposes of Article 26(2), PE of the assessee can only be compared with a domestic company carrying on the same activities in the same circumstances or similar conditions. The plea of the assessee, therefore, does not meet our approval.

29. Prof. Kees Van Raad, a very well known international tax scholar, in his book "Non-discrimination in International Tax Law", published by Kluwer Law International (ISBN 90 6544 2669), has, at page 135, has observed that:

...a foreign entrepreneur who resides in State 'B' as individual, his tax position in State 'A' in respect of permanent establishment income mustbe compared with that of a resident individual of State 'A' who operatesa similar enterprise in State 'A'. And if the foreign enterprise is operated by a corporation, its tax position must be compared with that of an 'A' State resident corporate taxpayer.

30. Prof. Raad has made the above observations in the context of Article 24(3) of the OECD Model Convention which provides that "the taxationof a permanent establishment which an enterprise of a Contracting Statehas in the other Contracting State shall not be less favourably be leviedin that other State than the taxation levied on enterprise of that other carrying on the same activities". The observations will, therefore, apply with equal force in the context of Article 24(2) of India-U AE tax treaty. We are in considered agreement with the views so expressed by this eminent international tax scholar.

31. Prof. Vogel, another distinguished international tax scholar, also makes some interesting observations in this regard. In his book Vogel on Double Taxation Conventions' and in the context of Article 24(3) of the OECD Model Convention, he observes, at page 1315, as follows:

...Since tax burdens often depend on the legal form of the enterprise to be taxed, this criterion should be taken into account additionally when determining the enterprise with which to compare the permanent establishment. Since the latter is only a part of the enterprise that has its head office in another State and no independent legal status, the comparison should attach to the legal set up of that enterprise....

32. We agree with the distinguished scholar. It would thus follow that comparison of a PE of one State carrying on business in the other Contracting State, with enterprise in the other Contracting State is not activity specific alone, it must bear in mind the form of ownership as well. The question of comparing tax rates applicable on PE with that of the domestic co-operative societies carrying on the same business can only arise when the enterprise of which it is a PE also the same form of ownership, i.e. co-operative society.

33. We would also like to refer to another interesting observation madeby Prof. Vogel, which is relevant in the context of issue in appeal beforeus. On the same page i.e. 1315, Prof. Vogel has also observed as follows:

Protection against discrimination does not include special tax privileges granted to public bodies of taxing State and non-profit institutions, provided that their activities are performed for the purposes of public benefit exclusively specific to that State. In those cases, a comparison with activities of a permanent establishment aiming to make profits for its own account is impossible. This restriction, which MC Commentary expressly refers to in connection with non-discrimination of nationals applies mutatis mutandis to the rule of non-discrimination for permanent establishment.

34. The views so expressed by Prof. Vogel are quite appropriate; we share his perception. It will indeed be unreasonable to expect parity in taxation of profit making organizations with non-profit making organizations, and taxation of local public welfare bodies in a State with taxation of bodies which are transnational in their operations.

35. In view of the above discussions, and for the detailed reasons set out above, we hold that just because Indian PEs of foreign banking companies are taxed at a rate higher than the rate at which Indian co-operative societies carrying out the same business activity are taxed, the provisions of Article 24(2), dealing with non-discrimination in taxation of PE, cannot be invoked. We, therefore, reject the grievance of the assessee as unsustainable in law.

10. We see no reasons to take any other view of the matter for the year before us. Following our decision for the assessment year 1996-97, we dismiss the grievance of the assessee and decline to interfere in the matter. The order of the Commissioner (Appeals) stands approved and confirmed on this issue as well.

11. Ground No. 4 is also dismissed.

12. In Ground No. 5, the assessee has raised the following grievance:

The Commissioner (Appeals) erred in confirming the action of the ACIT of disallowing Rs. 10,14,045 being the loss on Forward Foreign Exchange Contracts which were unmatured on the last day of the previous year.

The appellants submit that Forward Exchange Contracts are mainly entered into to cover the risk arising due to fluctuation in the exchange rate of currencies. Such contracts are entered into on an on going basis depending upon the currency position in the books of the bank. The forward exchange contracts are in the nature of stock-in-trade and the same are valued at the forward exchange rate notified by the Foreign Exchange Dealers Association of India as required by Reserve Bank of India. The forward contracts are normally for a short period. In view of the above submission any loss on revaluation would be properly allowable as a deduction in arriving at the business income. Moreover, such contracts are entered into the ordinary course of business on a day-to-day basis and the revaluation profit/loss represents the banks business income/loss. The bank has been consistently following this method in the past which does not result in the distortion of income/loss booked during the accounting period, and is also in accordance with the general practice being followed by the banking industry. It is submitted that the arguments put forward by the assessing officer are erroneous. The appellants pray that the assessing officer be directed to allow loss on revaluation of Forward Foreign Exchange Contracts of Rs. 10,14,045.

13. The material facts are like this. In the course of assessment proceedings, the assessing officer noticed that the assessee had booked a loss on forward exchange contracts which were unmatured as on the balance sheet date. The loss to be claimed as a deduction was Rs. 10,14,045. The loss so computed is by this method. The assessee-bank, like many other banking institutions, enters into an forward agreement to buy or sell foreign currencies at a certain price on a specified date. The unmatured contracts as on the balance sheet dates are the contracts in respect of which the date of sale or purchase is a date later than such a balance sheet date. The difference between the prevailing market rate, and the agreed rate, as on the date of balance sheet date is profit/loss on unmatured contract. For example, if the assessee bank agrees to sell US $ 10,000 at the rate of 42 on 10-5-1997 and the market rate of US $ as on 31-3-1997 is Rs. 45 the loss on this unmatured contract as on 31-3-1997 is Rs. 30,000. It is this loss which was claimed as a deduction by the assessee. The deduction was declined by the assessing officer on the ground that it is a contingent loss which depends on how the markets will move on a future date; the actual loss or profit will depend on the prevailing market price as on the date when the contract is to mature, e.g. on 10-5-1997 in this case.

Reliance was also placed upon the Hon'ble High Court judgment in the case of CIT v. Motor Industries Co. Ltd. (1998) 229 ITR 1371 (Karn). The assessing officer concluded that a loss, if any, on such forward contracts will only accrue on the date on which the contract is settled. Referring to Hon'ble Madras High Court's judgment in the case of Indian Overseas Bank v. CIT (1990) 183 ITR 2002 (Mad), the assessing officer noted that profit on unmatured forward contract could not be taxed as income, and that such profits were only notional profits. The assessing officer concluded that similar loss on unmatured contracts is also a contingent loss and not eligible for deduction from business income. Aggrieved, assessee carried the matter in appeal before the Commissioner (Appeals), but without any success. The assessee is not satisfied and is in appeal before us.

14. We have heard the rival contentions, perused the material on record and duly considered the factual matrix of the case as also the applicable legal position.

15. We have taken note of the fact that the assessing officer has primarily contended that when anticipated profits on unmatured contracts are held, to be non-taxable, as in the case of Indian Overseas Bank (supra), there is no good reason as to why anticipated losses on unmatured contracts can be taken into account while computing business income. There is, however, an inherent fallacy in this approach inasmuch as anticipated losses and anticipated profits are not treated in the same manner in the computation of business profits. The accountancy principle of conservatism, which has been duly recognized by the courts, mandates that anticipated losses are to be provided for in the computation of income but it does not permit anticipated profits to be taken into account till the profits actually arise. That is the underlying reason that in the case of unsold stock, when market rate is higher than the purchase price, the market price is ignored in computation of value of stock, and, as a result, anticipated profit on sale of such stock is ignored. However, when the market price of stock is lower than the purchase price, the market price is taken into account, and, accordingly, anticipated loss is taken into account. These dual standards in recognizing anticipated losses and anticipated profits are accepted accounting norms. In the case of Chainrup Sampatram v. CIT , Hon'ble Supreme Court took note of this position and observed that "while anticipated loss is taken into account, anticipated profit...is not brought into account as no prudent trader would care to show increased profit before its actual realisation. This is the theory underlying the rule that the closing stock is to be valued at cost or market price whichever is lower, and it is now generally accepted as an established rule of commercial practice and accountancy". No doubt these observations were made in the context of valuation of stock but what is material is the theory underlying the principle of valuing closing stock at cost or market price whichever is lower and the fact that such a theory has the acceptance of the Hon'ble Supreme Court. Just because anticipated profits are not assessed to tax, it would not follow, as a corollary thereto, that anticipated losses cannot be allowed as deduction in computation of business income. In the light of these discussions, we are of the considered view that the very basis of the action of the assessing officer was vitiated in law and on facts. We, therefore, deem it fit and proper to direct the assessing officer to delete the impugned disallowance. The assessee gets the relief accordingly.

16. Ground No. 5 is thus allowed.

17. In Ground No. 6, the grievance raised by the assessee is as follows:

The ACIT erred in upholding the Assistant Commissioners action and disallowing Rs. 1,43,200 by way of capital expenditure out of the pre-operative expenses.

The appellants submit that it has already considered a sum of Rs. 26,17,500 paid to framework interior as capital expenditure. The sum of Rs. 1,43,200 towards payment of framework interior represents revenue expenditure and is allowable as such.

18. As far as this disallowance is concerned, the material facts are like this. The assessee did some interior decoration work and a sum of Rs. 26,17,500was spent for that purpose. This expense was treated as capital expenditure by the assessee himself. The assessing officer noticed that the assessee has also spent a sum of Rs. 1,43,200 on account of travelling expenses of the interior decoration team. As the travelling expenses was in connection with the capital work of interior decoration, the assessing officer disallowed this travelling expenditure as well. Aggrieved, assessee carried the matter in appeal, inter alia, on the issue that the travelling expenses cannot be held to be capital expenses in nature, but without any success on this aspect of the matter. The assessee is not satisfied and is in further appeal before us.

19. Having heard the rival contentions and having perused the material on record, we are inclined to uphold the plea of the assessee. In the case of CIT v. Bush Boake Allen (India) Ltd. , Hon'ble Madras High Court has held that expenses incurred cannot always be viewed as derivative expenses taking colour from the particular transaction to which they relate. Their Lordships were dealing with legal expenses. As to the suggestion that if the transaction in connection with which legal expenses are incurred is in capital field, the legal expenses will be treated as capital expenditure, Their Lordships observed that "the only merit in this argument is apparent logical simplicity of it, but abstract logic has seldom conditioned the evolution of principle in tax laws, as in other laws." Their Lordships held that as the expenses are of revenue nature in their own right, the same have to be allowed as revenue deduction irrespective of its linkage with a capital expense. In our considered view, the same holds good true for travelling expenses as well. The travelling expenses are revenue expenses in nature and merely because the travel was in connection with doing the interior decoration work, it cannot be held to be capital expenditure in nature. We, therefore, deem it fit and proper to delete the impugned disallowance of Rs 1,43,200. The assessee gets the relief accordingly.

20. Ground No. 6 is thus allowed.

21. In the result, the appeal is partly allowed in the terms indicated above.


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