INSURANCE REPLACEMENT COST

IT Search and Insurance — Two Specific P&M Valuation Contexts

Different statutory and commercial situations require different valuation evidence, methodology and certificate treatment. Two important applications are Section 132 IT search valuation and insurance replacement cost assessment.

01
SECTION 132

Section 132 IT Search — Unaccounted P&M

When the Income Tax Department’s Authorised Officers find unaccounted plant and machinery during a Section 132 search — factory equipment installed and operational but not reflected in the company’s books or not matching the declared asset register — the appointed Government Approved P&M Valuer is called to assess the FMV of the discovered assets.

The certificate must address the equipment’s identification (make, model, serial number where visible); the physical condition (from the on-site inspection); the RCN from current market sources; the physical depreciation from condition assessment; and the FMV (DRC or market comparison, whichever is applicable).

The certificate format conforms to Section 34AB Category IV and is accepted by the Income Tax Department for the assessment of the undisclosed investment.

Asset Identification Condition Assessment RCN FMV DRC
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02
INSURANCE

Insurance Replacement Cost for Factory Equipment

Insurance for factory plant and machinery uses the Replacement Cost New (RCN) standard — the cost of replacing the insured equipment with a new equivalent from the current market.

Unlike insurance for property (where the DRC less depreciation may be the appropriate standard), most industrial equipment insurance policies specify new-for-old replacement — the insurer pays the current new equipment cost, not the depreciated value.

The under-insurance problem for factory equipment is acute: equipment purchased in 2010 at ₹50 lakh has a current RCN of ₹80 lakh (due to inflation in equipment manufacturing costs and in import duties on equipment components); an insurance policy based on the 2010 purchase cost leaves a ₹30 lakh gap in the event of total loss.

The Government Approved P&M Valuer’s current RCN certificate for each piece of equipment is the document that closes this gap.

CURRENT RCN Replace at today’s equivalent cost
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