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Every company has obligations to its employees — salaries, gratuity, provident fund, leave encashment. AS 15 (Revised 2005) tells you how to recognise and measure these obligations in the financial statements. The core question it answers: when an employee works today, what is the true cost to the company, including benefits they will receive years later?

AS 15 classifies employee benefits into four buckets. Short-term benefits (wages, PF, ESI, earned leave expected within 12 months) are straightforward — recognise as expense when the employee renders service, no discounting needed. The exam-heavy bucket is post-employment benefits, split into two types. A Defined Contribution Plan (DCP) is simple: the employer promises a fixed contribution (e.g., 12% of basic to EPFO). Once paid, liability ends — no actuarial risk for the company. A Defined Benefit Plan (DBP) is complex: the employer promises a fixed outcome (e.g., gratuity = 15 days × last salary × years of service). The company bears actuarial and investment risk. Gratuity and pension are classic DBP examples in India.

For a Defined Benefit Plan, you must use the Projected Unit Credit (PUC) Method — the only method AS 15 permits. Under PUC, you project the total benefit the employee will earn at retirement (using future salary assumptions), then attribute the portion earned this year as Current Service Cost. The Net Defined Benefit Liability on the Balance Sheet = Present Value of Defined Benefit Obligation (PV of DBO) minus Fair Value of Plan Assets. The P&L charge has three components: (1) Current Service Cost, (2) Interest Cost (unwinding of discount on opening DBO), and (3) Actuarial Gains/Losses arising from changes in assumptions or experience adjustments. Other long-term benefits (leave encashable after 5 years, long-service awards) follow a simplified DBP approach. Termination benefits are recognised when the company is demonstrably committed to the retrenchment plan.

📊 Worked example

Example 1 — Net Defined Benefit Liability Calculation

Rajesh & Co. Pvt. Ltd. has a gratuity scheme (DBP). At 31 March 2026:

  • Present Value of Defined Benefit Obligation (PV of DBO): ₹45,00,000
  • Fair Value of Plan Assets (LIC policy): ₹32,00,000
  • Actuarial loss arising during the year: ₹1,50,000
  • Current Service Cost for the year: ₹5,00,000
  • Interest Cost (7% × opening DBO of ₹38,00,000): ₹2,66,000

Net DBO Liability on Balance Sheet:

PV of DBO − Fair Value of Plan Assets

= ₹45,00,000 − ₹32,00,000 = ₹13,00,000 ← Report as provision/liability

P&L Charge for FY 2025-26:

Current Service Cost: ₹5,00,000

+ Interest Cost: ₹2,66,000

+ Actuarial Loss: ₹1,50,000

= ₹9,16,000

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Example 2 — Defined Contribution vs. Defined Benefit

Mr. Sharma's employer pays 12% of his basic salary (₹60,000/month) to EPFO.

Monthly DCP contribution = 12% × ₹60,000 = ₹7,200

Journal Entry each month:

Employee Benefit Expense Dr. ₹7,200

To PF Payable/Bank Cr. ₹7,200

Once paid → zero further liability. No actuary required. Compare this to gratuity where the company must get an actuarial valuation every year — that's what makes DBP costlier to account for.

⚠️ Common exam mistakes

  • Students treat gratuity as a Defined Contribution Plan because companies fund it through LIC. Wrong — gratuity is always a DBP because the employer promises a defined outcome. The funding vehicle doesn't change the classification.
  • Forgetting to deduct Fair Value of Plan Assets from PV of DBO when computing the Balance Sheet liability. The net figure is what appears on the B/S, not the gross PV of DBO.
  • Confusing Current Service Cost with Past Service Cost. Past Service Cost arises when a plan is introduced or amended retrospectively — it is recognised immediately in P&L under AS 15 (Revised). Don't spread it over future periods.
  • Ignoring actuarial assumptions in theory questions — students write 'as given' instead of stating that discount rate, salary escalation rate, mortality, and attrition are the key actuarial assumptions. Examiners specifically reward this.
  • Applying AS 15 to sole proprietors or partners — AS 15 applies only to employees. Owner-partners are not employees; their drawings are not employee benefits under this standard.
📖 Reference: AS 15 — Institute of Chartered Accountants of India
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