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When a company parks its money in shares, debentures, mutual funds, or property — not to run its business, but to earn income or hold for growth — those are investments under AS 13. This standard tells you how to classify, value, and show them in the books.

Classification is the first big idea. AS 13 splits all investments into two buckets: Current Investments (intended to be held for less than one year, or readily realisable and meant to provide liquidity) and Long-term Investments (everything else — shares held strategically, debentures held to maturity, property held for capital appreciation). Think of it this way: if Rajesh & Co. Pvt. Ltd. buys shares of Infosys just to park surplus cash for 3 months, that's current. If they buy a 20% stake in a supplier to cement a business relationship, that's long-term.

Valuation is where students lose marks. Current investments are carried at the lower of cost or fair value (NRV), determined either item by item or by category — but NOT overall portfolio. So if one script is up and another is down, you can't net them off. Long-term investments are carried at cost, BUT if there is a diminution other than temporary in value (e.g., the investee company is going bankrupt), you must write them down. The key phrase is other than temporary — a normal market dip doesn't trigger a write-down for long-term investments. When the investment recovers, the reversal is taken back to the P&L.

Cost of acquisition includes purchase price plus brokerage, stamp duty, and transfer fees — but NOT GST if it's recoverable. For bonus shares, the cost is nil (no cash paid); the original cost now spreads over a larger number of shares, reducing the per-share carrying cost. For rights shares, you pay for them, so cost = amount paid. If rights are renounced (sold), any proceeds reduce the cost of the original holding. Investment properties (land/building held for capital appreciation, not for use) are carried at cost less depreciation — treated like a long-term investment but disclosed separately.

📊 Worked example

Example 1 — Current Investment Valuation

Ms. Iyer's company holds the following current investments at year-end:

| Scrip | Cost | Fair Value |

|---|---|---|

| Tata Steel shares | ₹2,00,000 | ₹2,40,000 |

| Wipro shares | ₹1,50,000 | ₹1,10,000 |

Step 1: Apply lower of cost or fair value — item by item (AS 13 requires this, not portfolio basis)

  • Tata Steel: Lower of ₹2,00,000 and ₹2,40,000 = ₹2,00,000
  • Wipro: Lower of ₹1,50,000 and ₹1,10,000 = ₹1,10,000

Step 2: Total carrying value = ₹2,00,000 + ₹1,10,000 = ₹3,10,000

Step 3: Loss to recognise = (₹2,00,000 + ₹1,50,000) − ₹3,10,000 = ₹40,000 → charged to P&L

Note: The ₹40,000 gain on Tata Steel cannot offset the Wipro loss.

---

Example 2 — Bonus Shares Cost Adjustment

Mr. Sharma holds 1,000 shares of ABC Ltd. purchased at ₹150 per share.

Total cost = ₹1,50,000

ABC Ltd. issues a 1:1 bonus (1 bonus share for every 1 held).

After bonus: Sharma holds 2,000 shares. Cash paid = ₹0.

Revised cost per share = ₹1,50,000 ÷ 2,000 = ₹75 per share

If Sharma later sells 500 shares at ₹120 each:

  • Sale proceeds = 500 × ₹120 = ₹60,000
  • Cost of shares sold = 500 × ₹75 = ₹37,500
  • Profit on sale = ₹22,500

⚠️ Common exam mistakes

  • Applying lower of cost or NRV on a portfolio basis for current investments. Don't net winners against losers — AS 13 requires item-by-item (or at most, category-by-category) comparison. Always calculate the shortfall stock by stock.
  • Writing down long-term investments for every market dip. Students mark down long-term investments whenever the price falls. AS 13 only requires write-down when the decline is other than temporary — a routine market fluctuation doesn't qualify. The burden is on management to assess the nature of the decline.
  • Adding cost of bonus shares as ₹0 but forgetting to reduce per-share cost. The total cost stays the same; it just spreads over more shares. Forgetting this inflates the profit when those shares are later sold.
  • Treating rights renounced as income. If your company renounces rights shares and receives cash, that proceeds reduces the cost of the original holding — it's not profit. Booking it as income is wrong.
  • Ignoring 'Investment Properties' as a separate category. Students classify land/building held for capital appreciation as fixed assets. Under AS 13 these are investment properties and must be disclosed separately, not clubbed with PPE.
📖 Reference: AS 13 — Institute of Chartered Accountants of India
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