accounting

Ind AS 20: Borrowing Costs

Ind AS 20 - Borrowing Costs accounting. Capitalization of borrowing costs, treatment of exchange differences.

GetYourCA Team
8 April 2026·Updated 8 April 20261 min read12.5K views

Ind AS 20: Borrowing Costs#

Scope#

Applies to borrowing costs of entities that:

  • Capitalize borrowing costs on qualifying assets
  • Recognize borrowing costs as expense

Definition#

Borrowing costs include:

  • Interest expense on borrowings
  • Finance charges on finance leases
  • Exchange differences on foreign currency loans (extent regarded as adjustment)

Capitalization#

Qualifying Assets#

Assets that take substantial time to prepare for intended use:

  • Construction of buildings
  • Manufacturing plants
  • Investment properties under development
  • Bearer plants

Start of Capitalization#

When:

  • Expenditure incurred
  • Borrowing costs incurred
  • Activities to prepare asset commenced

Suspension#

  • When active development suspended
  • Resume when activities resume

Cessation#

  • When asset substantially ready for intended use
  • No further capitalization

Capitalization Rate#

Capitalization Rate = Weighted Average Interest Rate

Calculation#

  • Exclude specific borrowings used for specific assets
  • Capitalize actual borrowing costs incurred

Recognition#

  • Capitalize borrowing costs on qualifying assets
  • Other borrowing costs expensed as incurred

Disclosure Requirements#

  • Accounting policy for capitalization
  • Capitalization rate used
  • Amount of borrowing costs capitalized
  • Amount expensed as interest

Need Help With Your Tax Filing?

Our expert CAs can help you file your ITR accurately, claim maximum deductions, and ensure compliance. Get started in minutes.

Was this article helpful?

GT

GetYourCA Team

Tax Expert

10+ years experience

Disclaimer

We have taken utmost care to research and write this article for your information. However, tax laws are complex and subject to frequent changes. This article is for general guidance only and should not be considered professional advice. Individual circumstances vary significantly — what works for one person may not apply to another.

Before making any tax-related decisions, we strongly recommend consulting with a qualified Chartered Accountant or tax professional who can assess your specific situation. We do not accept any liability for decisions made based on this information.

Need help with your taxes?

Talk to our expert CAs

Get Started