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Microlesson · 5-min read

Tax Relief on Arrears of Salary — Section 89

## Section 89 — Relief for Arrears of Salary

When salary arrears received in the current year push the assessee into a higher tax bracket (due to bunching), Section 89 provides relief to mitigate the increased tax burden.

### 7-Step Computation

StepComputation
1Tax liability of current year ON total income INCLUDING arrears
2Tax liability of current year ON total income EXCLUDING arrears
3Step 1 − Step 2 (extra tax in current year due to arrears)
4Tax liability of year to which arrears relate, recomputed INCLUDING arrears in that year's income
5Tax liability of year to which arrears relate, on original income (EXCLUDING arrears)
6Step 4 − Step 5 (what extra tax would have been in that earlier year)
7Relief = Step 3 − Step 6

### Final Tax Payable

> Final Tax Payable (current year) = Total Tax Liability (Step 1) − Relief (Step 7)

### Filing Requirement

Assessee must file Form 10E electronically before filing the return for the year claiming the relief.

### Logic

If Step 3 > Step 6, it means current-year bunching has caused excess tax → relief equals the excess. If Step 3 ≤ Step 6, no relief is admissible (arrears would have been taxed equally or more in the earlier year).

Worked example

### Example 1

Skeletal Example: Mr. F receives in PY 2025-26 a salary of ₹ 8,00,000 plus ₹ 3,00,000 arrears relating to PY 2019-20 (when his income was ₹ 4,00,000).

Step 1: Tax on 11,00,000 (current year, with arrears) = T1

Step 2: Tax on 8,00,000 (current year, without arrears) = T2

Step 3: T1 − T2 = extra current-year tax on arrears

Step 4: Tax on 7,00,000 (= 4,00,000 + 3,00,000 in PY 2019-20)

Step 5: Tax on 4,00,000 (original PY 2019-20 income)

Step 6: Step 4 − Step 5

Step 7: Relief = Step 3 − Step 6

Final Tax = T1 − Relief

⚠️ Common exam mistakes

  • Forgetting to file Form 10E — relief is forfeited if Form 10E not filed before ITR.
  • Using current-year tax slabs for the arrears year (Step 4/5) — must use slabs of the relevant earlier year.
  • Computing relief on bonus/leave encashment without checking whether such items qualify under Section 89 — only specified items qualify.
  • Treating negative Step 7 as a positive relief — if Step 3 < Step 6, relief is NIL, not negative.
Reference:
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