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Microlesson · 5-min read

Cash Flow from Financing Activities

## Cash Flow from Financing Activities

Financing activities are those that result in changes in the size and composition of the owner's capital and borrowings of the enterprise.

### Common Items — Financing Activities

ItemDirectionNote
Proceeds from issue of shares (equity / preference)+ InflowGross amount
Proceeds from issue of debentures / bonds+ InflowGross amount
Loans / borrowings raised+ InflowNew borrowing
Repayment of loans / borrowings− OutflowPrincipal only
Redemption of debentures− OutflowPrincipal repaid
Premium paid on redemption− OutflowSeparate from principal
Dividends paid (for companies)− OutflowPaid ≠ declared
Drawings by proprietor / partner− OutflowTreated like dividends
Interest paid on borrowings− OutflowCash actually paid

### Key distinction: Drawings vs. Dividends

For a sole proprietor or partnership, the owner takes drawings instead of dividends. AS 3 treats drawings exactly like dividends paid for a company — both are classified under Financing Activities as an outflow. The rationale: both represent distribution of enterprise resources to the owner.

### Reconstructing debenture / loan accounts

To find proceeds from issue or repayment amount, prepare the liability ledger:

```

Long-term Borrowings (Debentures/Loan) Ledger

Cash repaid (bal fig) ××× | Opening balance ×××

Closing balance ××× | New proceeds ×××

```

### Dividends paid vs. dividends declared

Only dividends actually paid in cash during the year appear in CFS. Use a Dividend Payable ledger:

```

Dividend Payable Ledger

Cash paid (bal fig) ××× | Opening payable ×××

Closing payable ××× | Declared in P&L ×××

```

Worked example

### Example 1

Illustration 2 — Financing Activities

Given: Debentures issued = ₹2,50,000; Interest paid on Deb (from Unpaid Int ledger) = ₹70,000 (approx)

```

C. Cash Flow from Financing Activities

Proceeds from issue of Debentures +2,50,000

Less: Interest paid on Debentures (70,000)

----------

Net Cash from Financing Activities +1,80,000

```

Note: The ₹70,000 interest paid was derived from the Unpaid Interest ledger — not taken directly from P&L.

### Example 2

Illustration — Zen (Sole Proprietor) Financing Activities

From Capital A/c: Net Profit = ₹3,60,000; Drawings = ₹1,36,000

From Loan from Bank: Opening ₹3,20,000; New loan ₹8,00,000; Closing ₹4,00,000 → Repaid = ₹3,20,000 + ₹8,00,000 − ₹4,00,000 = ₹7,20,000...

(from ledger: CIB ₹28,00,000 to repay principal, net repaid after new loan)

From Mrs Zen's Loan: Opening ₹2,00,000; Repaid ₹20,00,000 (CIB); Closing ₹8,80,000 → New loan = ₹20,00,000 + ₹8,80,000 − ₹2,00,000 = ₹26,80,000

```

C. Cash Flow from Financing Activities

Loan taken (Bank) +8,00,000

Loan taken (Mrs Zen) +26,80,000

Less: Loan repaid (Bank) (12,00,000)

Less: Loan repaid (Mrs Zen) (20,00,000)

Less: Drawings by Zen (1,36,000)

----------

Net Cash from Financing Activities +1,44,000 (approx)

```

Drawings ₹1,36,000 treated exactly like 'Dividend Paid' for a company.

⚠️ Common exam mistakes

  • Showing dividends declared (not yet paid) as cash outflow — only paid dividends appear
  • Netting issue proceeds against redemption — AS 3 requires gross disclosure for major classes
  • Treating drawings as an operating expense rather than a financing outflow
  • Omitting premium on debenture redemption from financing outflows
  • Including interest paid in operating activities rather than financing (for non-financial companies under AS 3, interest paid is typically financing)
Bare-Act text Paragraphs 25–26, AS 3 · Accounting Standard 3 — Cash Flow Statements (ICAI) · click to expand
Financing activities are activities that result in changes in the size and composition of the owners' capital (including preference share capital in the case of a company) and borrowings of the enterprise. Examples of cash flows arising from financing activities are: (a) cash proceeds from issuing shares or other similar instruments; (b) cash proceeds from issuing debentures, loans, notes, bonds, and other short or long-term borrowings; (c) cash repayments of amounts borrowed.
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