Calculation Mode

Final Price (Incl. GST)

₹11,800

Total GST

₹1,800

Base Amount

₹10,000

CGST / SGST Split

CGST (9%)₹900
SGST (9%)₹900
Total GST: 18%
Personal Loan Interest Rates 2025
Lender CategoryInterest Rate (p.a.)Processing Fee
PSU Banks (Salary Account)10.50% — 13.00%1% - 2%
Private Banks10.99% — 16.00%1.5% - 3%
NBFCs & Fintech Apps14.00% — 24.00%2% - 4%
Note: Rates mentioned above are indicative market ranges for borrowers with a Credit Score > 750. Actual rates may vary based on your profile.

Understanding GST (Goods and Services Tax)

GST (Goods and Services Tax) is a destination-based indirect tax levied on the supply of goods and services in India. It replaced multiple cascading taxes like VAT, Service Tax, and Excise Duty, creating a "One Nation, One Tax" system.

Businesses need to calculate GST accurately to file returns and generate e-invoices. Consumers use it to cross-check bills for big-ticket purchases like cars or appliances.

Current GST Rate Slabs (2025)

RateItems Covered
0% (Exempt)Fresh food (milk, eggs, vegetables), Books, Newspapers
3%Gold, Silver, Platinum, Diamonds
5%Packaged food, Medicines, Economy Air Travel
12%Mobiles, Processed Food, Business Class Air Travel
18%Electronics, IT Services, Restaurants, Banking
28%Luxury Cars, Cement, ACs, Tobacco (+ Cess)
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Components of GST

  • CGST (Central GST): Collected by the Central Government on intra-state sales (within the same state).
  • SGST (State GST): Collected by the State Government on intra-state sales.
  • IGST (Integrated GST): Collected by the Central Government on inter-state sales (between two states) and imports.

Reverse GST Calculation Formula

Often, you know the final MRP (Maximum Retail Price) and need to find the actual base price before tax. This is called a Reverse GST Calculation. It is essential for traders to determine their profit margins.

Base Price=Total MRP1+(GST Rate/100)\text{Base Price} = \frac{\text{Total MRP}}{1 + (\text{GST Rate} / 100)}

Example: If a phone costs ₹11,800 (inclusive of 18% GST):
Base Price = 11,800 / 1.18 = ₹10,000
GST Amount = ₹1,800

Benefits of GST System

  • Eliminates Cascading Effect: Input Tax Credit avoids tax on tax.
  • Higher Threshold: Businesses up to ₹40L turnover are exempt.
  • Composition Scheme: Simplified compliance for turnover up to ₹1.5 Cr.
Frequently Asked Questions

Businesses with an annual turnover exceeding ₹40 Lakhs (₹20 Lakhs for services) must register. E-commerce sellers and inter-state suppliers must register mandatorily.

Fincado Research Team

Fact Checked

Our analysis is built on deep-dive research into RBI Benchmarks and lender-specific disclosures. We verify every interest rate and fee structure against real-world borrower approvals to ensure the highest level of accuracy for Indian home buyers.

Verified: Jan 2026
Methodology: Data-Driven
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