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Tax

GST Calculator — Chennai (Tamil Nadu SGST) FY 2025-26

For businesses and consumers in Chennai, Tamil Nadu: intra-state GST splits equally between CGST and Tamil Nadu SGST (each at half the applicable rate), while inter-state supplies attract IGST at the full rate. At 18% GST on a Rs 1L invoice within Tamil Nadu: CGST = Rs 9,000 + Tamil Nadu SGST = Rs 9,000 = total Rs 18,000 GST. GST registration is mandatory above Rs 20L/year for services and Rs 40L/year for goods in Tamil Nadu.

Verified Formula|Source: Income Tax Department, Government of India|Last verified: April 2026Methodology

GST Details

Calculate GST on top of the base amount

Inter-State Supply (IGST)

CGST + SGST applies for intra-state transactions

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Net Price

₹1,00,000

GST Amount

₹18,000

Total Price

₹1,18,000

GST Breakdown

Base Amount₹1,00,000
CGST @ 9%₹9,000
SGST @ 9%₹9,000
Total GST₹18,000
Net Price (Excl. GST)₹1,00,000
Total Price (Incl. GST)₹1,18,000

Price Composition

Common GST Rates — Quick Reference

Item / CategoryGST Rate
Essential food items (rice, wheat, milk)0%
Packaged food, butter, ghee5%
Processed food, mobile phones12%
Electronics, shampoo, AC restaurants18%
Luxury cars, aerated drinks, tobacco28%
Gold, silver, platinum3%
Rough diamonds0.25%

Input Tax Credit (ITC)

Businesses registered under GST can claim Input Tax Credit on GST paid on purchases, effectively reducing the GST liability on their sales. Ensure timely GSTR-2B reconciliation to maximize your ITC claims.

GST in Chennai: CGST, Tamil Nadu SGST, and IGST — FY 2025-26 Guide

Goods and Services Tax (GST) in Chennai, Tamil Nadu operates under a dual structure administered jointly by the Government of India and Tamil Nadu state government. Whether you are a business owner in the OMR IT Corridor / T. Nagar area, a consumer buying services inChennai, or a freelancer invoicing clients across India, the applicable GST component — CGST + Tamil Nadu SGST or IGST — depends on whether the supply is intra-state or inter-state. Chennai is one of only four cities in India designated as 'metro' for HRA purposes under the Income Tax Act — residents get the 50% basic salary HRA exemption. Tamil Nadu has India's highest stamp duty at 7% (vs 5% in Karnataka), making Chennai one of the most expensive states for property registration. Tamil Nadu residents collectively buy over 40% of India's annual gold demand.

CGST vs Tamil Nadu SGST vs IGST: How It Works in Chennai

The fundamental rule:

  • Intra-state supply (supplier and recipient both in Tamil Nadu): GST = CGST (central government) + Tamil Nadu SGST (Tamil Nadu government), each at half the total GST rate. On a Rs 1,00,000 invoice at 18%: CGST Rs 9,000 (9%) + Tamil Nadu SGST Rs 9,000 (9%).
  • Inter-state supply (supplier in Tamil Nadu, recipient in another state, or vice versa): GST = IGST at the full rate. Same Rs 1,00,000 invoice at 18%: IGST = Rs 18,000 (18%), all to central government (then apportioned to destination state).
  • Import of services: IGST under Reverse Charge Mechanism (RCM) — the recipient in Chennai pays GST to the government. Common for Chennai's businesses using foreign software, cloud services, or overseas consultants.

GST Rates Applicable to Chennai's Economy

The four main GST rate slabs apply uniformly across Chennai:

  • 5% GST: Essential goods and basic services. For Chennai: non-AC restaurant meals (no ITC for restaurant), economy hotel stays (room rate below Rs 7,500/night), packaged foods with certain HSN codes, economy air travel (excluding fuel surcharge), electric vehicles, and textile goods below Rs 1,000.
  • 12% GST: Mid-range goods and services. Relevant for Chennai: hotel stays Rs 7,500–12,000/night, processed food, computers and laptops (with exceptions), smartphones above Rs 20,000 category, business class air travel, construction of affordable housing.
  • 18% GST: Most services and manufactured goods. This is the dominant GST rate for Chennai's IT Services sector — IT services, consulting, financial services, insurance (excl. life insurance), telecom, steel, chemicals, paints, AC restaurants, hotel stays above Rs 12,000/night.
  • 28% GST: Luxury and demerit goods. Chennai: automobiles (plus cess), luxury hotels, tobacco products, gambling and racing activities, luxury cement. Plus additional cess on many 28% items.

IT Services Sector GST in Chennai

Chennai's dominant IT Services sector — represented by employers like TCS, Cognizant, Infosys — operates primarily under 18% GST for domestic B2B service invoices. Key GST considerations for Chennai IT businesses:

  • Software services export (zero-rated): IT exports from Chennaito overseas clients are zero-rated with a Letter of Undertaking (LUT). No GST is charged on the invoice, and businesses can claim refund of Input Tax Credit on inputs used. Filing monthly LUT for exports is critical for Chennai IT exporters.
  • Domestic IT B2B invoices: 18% GST applies. On a Rs 10L monthly invoice to a Tamil Nadu client: CGST Rs 90,000 + Tamil Nadu SGST Rs 90,000 = Rs 1.8L total GST. This is fully recoverable as Input Tax Credit by the recipient if they are GST-registered.
  • SaaS and software products: 18% GST on perpetual licences, 12% on some packaged software. Cloud-based SaaS services are 18% regardless of how subscription is structured.
  • Gold and jewellery: 3% GST on gold (fine gold, ornaments, bars). On Rs 5,00,000 worth of gold: GST = Rs 15,000. Making charges on jewellery attract 5% GST: on Rs 50,000 making charges, GST = Rs 2,500.
  • No ITC on gold: Jewellers cannot claim Input Tax Credit on gold purchased — making accurate job work and valuation critical for Chennai's jewellery trade.
  • Capital goods: 18% GST on machinery, equipment, and industrial inputs — fully claimable as ITC for manufacturing businesses in Chennai's industrial areas. Proper tracking of capital goods ITC over 5 years (reversed if sold before) is critical.
  • Raw material inputs: GST rate varies by HSN code — 5% for textiles, 12% for some chemicals, 18% for metals and engineering goods. ITC chain must be maintained.
  • Professional and consulting services: 18% GST under SAC 9983/9985. Freelancers and consultants in Chennai billing above Rs 20L/year must register for GST and charge 18% CGST + Tamil Nadu SGST on domestic invoices.
  • Commercial property rent: If annual commercial rent in Chennaiexceeds Rs 20L and the landlord is a GST-registered entity, 18% GST applies. At estimated commercial rents of Rs 50,000/month in Chennai, annual commercial rent is Rs 6,00,000. Annual commercial rent is below Rs 20L — GST on rent may not apply if the landlord is under threshold.

Input Tax Credit (ITC) for Chennai Businesses

GST-registered businesses in Chennai can claim Input Tax Credit on GST paid for goods and services used in their business. ITC rules in Tamil Nadu:

  • CGST paid can offset CGST or IGST liability; Tamil Nadu SGST paid can offset Tamil Nadu SGST or IGST; IGST can offset any GST liability (IGST first, then CGST, then SGST).
  • Conditions for ITC: Valid tax invoice, goods/services received, GST filed by supplier (reflected in GSTR-2B), and payment made to supplier within 180 days.
  • ITC blocked items: Motor vehicles (for personal use), employee-related food and beverages, club memberships, health insurance for employees (unless mandatory under law), works contract for immovable property.
  • ITC reconciliation: GSTR-2B (auto-populated) vs your purchase register must be reconciled monthly. Mismatch can lead to ITC disallowance and penalty — a critical compliance task for Chennai's MSMEs and large businesses alike.

GST Registration Threshold and Compliance for Chennai

GST registration is mandatory in Tamil Nadu when aggregate turnover exceeds:

  • Rs 40 lakh/year for goods suppliers (Rs 20L for special category states — not applicable to Tamil Nadu).
  • Rs 20 lakh/year for service providers.
  • Any threshold for inter-state supplies, e-commerce operators, or businesses with taxable supplies despite low turnover.

Chennai freelancers and consultants in the IT Services sector who provide services to clients in other states must register for GST irrespective of turnover — even a single inter-state invoice triggers mandatory registration. Return filing: GSTR-1 (monthly/quarterly for outward supplies) + GSTR-3B (monthly summary + tax payment) + GSTR-9 (annual reconciliation). Businesses in Chennai with turnover above Rs 5 crore must file GSTR-1 monthly. Below Rs 5 crore, quarterly GSTR-1 filing is available under the QRMP scheme.

Composition Scheme: For Small Chennai Businesses

Small Chennai businesses with annual turnover below Rs 1.5 crore (goods) or Rs 50 lakh (services) can opt for the Composition Scheme — pay a fixed percentage of turnover as GST (1% for goods, 6% for services including restaurants) without ITC. Composition dealers cannot raise a tax invoice or collect GST from customers, and cannot supply inter-state. This suits small retailers, restaurants, and service providers inChennai's OMR and Velachery local markets who do primarily local business.

Disclaimer

GST rates and rules are based on notifications effective as of FY 2025-26. Specific HSN/SAC codes may attract different rates. Special economic zone (SEZ) supplies are zero-rated. E-invoicing is mandatory above certain turnover thresholds. Consult a GST practitioner or Chartered Accountant in Chennai for business-specific compliance guidance.

Frequently Asked Questions — GST in Chennai

What is the difference between Tamil Nadu SGST and SGST? Is Tamil Nadu SGST the same as SGST?

Yes — Tamil Nadu SGST is the State GST (SGST) for Tamil Nadu. The term "SGST" in the GST framework is referred to by each state's specific name: Maharashtra's SGST is "Maharashtra SGST", Karnataka's is "Karnataka SGST", etc. For Chennai (Tamil Nadu), all intra-state transactions split GST into CGST (Central GST) and Tamil Nadu SGST (Tamil NaduSGST), each at half the applicable rate. On an 18% intra-state invoice of Rs 1,00,000: CGST = Rs 9,000 andTamil Nadu SGST = Rs 9,000.

Do I need to charge GST on my Chennai freelance income?

You need to register for GST if your annual freelance income exceeds Rs 20 lakh (services threshold for Tamil Nadu) or if you supply services to clients in other states (inter-state supply triggers mandatory registration at any turnover). Once registered, you charge 18% GST (CGST 9% + Tamil Nadu SGST9%) on domestic invoices. If you export services to overseas clients, it's zero-rated with an LUT — no GST charged, but you can claim ITC refunds on inputs. Chennai's thriving IT Services freelance economy means many consultants hit the Rs 20L threshold quickly — plan your GST registration well in advance to avoid retrospective compliance issues.

What GST applies on restaurant bills in Chennai?

GST on restaurants in Chennai depends on the type. Non-AC restaurants (standalone, not in hotels with room tariff above Rs 7,500): 5% GST (CGST 2.5% + Tamil Nadu SGST 2.5%), no Input Tax Credit. AC restaurants or those in 5-star hotels: 18% GST (CGST 9% +Tamil Nadu SGST 9%), no ITC. On a Rs 5,000 dinner: 5% restaurant = Rs 250 GST; 18% restaurant = Rs 900 GST. Restaurant GST cannot be claimed as ITC by the customer — it is a final consumer cost. Zomato/Swiggy delivery orders from restaurants also attract 5% GST (collected by the platform, not the restaurant).

How does GST work for Chennai businesses buying from another state?

When a Chennai (Tamil Nadu) business buys goods or services from a supplier in another state, IGST (Integrated GST) applies at the full rate. For example, buying software services from a Bengaluru vendor (if you are in Chennai, Tamil Nadu): 18% IGST applies. You pay IGST on the invoice, which is deposited with the central government and then apportioned to the consuming state. As a Tamil Nadu registered business, you can claim the IGST paid as Input Tax Credit. ITC utilisation order: first against IGST liability, then CGST, then Tamil Nadu SGST. This seamless cross-state ITC chain is one of GST's major improvements over the pre-GST era when inter-state purchases suffered from cascading VAT and CST costs.

Chennai's GST landscape is dominated by the automobile industry — where Chennai is India's 'Detroit', housing Hyundai, Ford (now closed), Renault-Nissan, Ashok Leyland, Royal Enfield, BMW, and hundreds of Tier 1 and Tier 2 auto component manufacturers in the Oragadam-Sriperumbudur-Kancheepuram corridor. GST on passenger vehicles: 28% + compensation cess (1-22% depending on vehicle type and engine size) — making automobile GST the highest effective rate in India for premium segment cars. Chennai's auto components export cluster (Mahle, Brakes India, TVS Sundram Fasteners, Lucas TVS) creates significant zero-rated export supply volumes with LUT compliance. Beyond auto: Chennai's IT corridor (Old Mahabalipuram Road — OMR) hosts HCL Technologies, Cognizant, Infosys BPO, with standard IT services GST at 18%. The Tamil Nadu textile industry (Tiruppur knitwear nearby, Chennai's cotton warehouses): GST on yarn at 5%, fabric at 5%, garments above Rs 1,000 at 12%. Leather goods and footwear from Poonamallee: GST varies 5-18% based on retail price. Chennai Port trust services: complex GST treatment for port, shipping, customs clearing. Hospital services: largely exempt from GST (health care services by clinical establishments exempt under Notification 12/2017).

Key Insight — Chennai

Chennai's defining GST insight is the automobile compensation cess cascade — where Chennai's auto manufacturers and dealers face a GST structure where the 28% rate is only the base, with compensation cess (levied under the GST (Compensation to States) Act, 2017) adding 1-22% on top, making premium SUVs effectively taxed at 50% (28% + 22% cess). The compensation cess was originally designed to compensate states for revenue loss during GST transition (for 5 years from July 2017) but was extended multiple times — now extended to 2026. For Chennai's Royal Enfield: motorcycles above 350cc: 28% GST + compensation cess applicable. For Hyundai Creta (1500cc, SUV length >4m): 28% + 20% cess = 48% effective tax. This high cess creates a massive ITC opportunity for B2B buyers. However: Section 17(5)(a) — blocked credit: MOTOR VEHICLES used for purposes other than transportation of goods or other taxable persons → ITC is BLOCKED. A Chennai manufacturing company buying 10 cars for employee transport: NO ITC on the 48% GST paid on cars. An automotive dealer purchasing cars for resale: ITC AVAILABLE (stock-in-trade, not used for own transport). A cab aggregator (Ola Chennai office) buying vehicles for cab service: ITC available (vehicles used for transportation of persons as business). This ITC blocking on motor vehicles (28% + cess) is one of India's most commercially significant blocked credit provisions — Chennai companies buying premium SUVs for executives routinely lose Rs 10-20L in irrecoverable input GST per vehicle.

Chennai's Financial Context and GST Calculator

Tamil Nadu SGST: 9% (CGST 9% + TNGST 9% = 18% standard). GST registration: Rs 20L. Automobile GST: Passenger cars — small (engine <1000cc, length <4m): 28% + 1% cess. Mid-size (1000-1500cc): 28% + 15% cess. Large cars (>1500cc): 28% + 20% cess. Electric vehicles: 5% (IGST, no cess). Hybrids: 28% + 15% cess. Commercial vehicles (trucks, buses): 28% (no cess except for large SUVs). Auto components: 18% for most precision components; 12% for certain specified items. Chennai IT/ITES: SAC 998313, 18% GST; export zero-rated. Textile GST: yarn 5%, grey fabric 5%, processed fabric 5%, garments (job work) 5%, garments sold retail >Rs 1,000 per piece: 12%. Leather footwear <Rs 1,000/pair: 5%; >Rs 1,000: 18%. Hospital services: exempt (outpatient diagnosis, surgery, ICU). Medicines: 5% GST on most formulations. Medical devices: 12-18% depending on class. Port services: loading/unloading at Chennai Port exempt if provided to shipping lines for international routes. Food grain: exempt. Sugar: 5%. LPG cylinder (domestic): 5%. Restaurant GST: 5% (no ITC). Commercial rent: 18%. Hotels >Rs 7,500/night: 18%. Chennai Metro Rail: passenger transport exempt from GST.

Chennai Auto Component Exports — IGST Refund and E-Way Bill for Oragadam Cluster

The Oragadam-Sriperumbudur auto belt (40km from Chennai) hosts Hyundai, Renault-Nissan, and hundreds of Tier 1 suppliers (Faurecia, Tenneco, Motherson Sumi, Brakes India) exporting components to Europe, USA, and South Korea. GST compliance for auto component exporters involves: (1) E-way bill generation: All inter-state movements of goods above Rs 50,000 require e-way bill. For export consignments: e-way bill from factory to Chennai Port (inter-state if factory in Oragadam, which is Tamil Nadu → Chennai Port Tamil Nadu → intra-state, but still requires e-way bill above Rs 50,000 within TN). E-way bill validity: up to 200km: 1 day; every additional 200km: 1 day. For Chennai Port: most Oragadam factories are within 60-70km → 1-day validity typically sufficient. (2) Shipping bill + LUT: File LUT for the export period → raise zero-rated export invoice referencing shipping bill number → customs processes → IGST refund or ITC refund. ICEGATE-GSTN integration automatically triggers refund. (3) Deemed exports: supply of goods to EOU (Export Oriented Unit) within India is treated as 'deemed export' — supplier can claim refund of IGST paid or ITC on inputs used. EOU buyer can also claim refund. Chennai's Mahindra EOU at Mahindra World City: purchases from TN component suppliers qualify as deemed exports. (4) ITC on inputs: Precision machined components manufacturers claim ITC on: CNC machine HSN 8457 (18%), cutting tools (12-18%), MRO supplies (12-18%), factory consumables. Full ITC available → net GST is only on value addition.

Tamil Nadu Textile GST — Rate Classification and Job Work Compliance

Chennai's textile warehousing and the surrounding Tiruppur-Coimbatore knitwear belt create significant GST compliance for Chennai's textile traders and commission agents. Textile GST rate complexities: (a) Grey fabric: 5% GST regardless of fiber. (b) Processed fabric (dyeing, printing): 5% GST. (c) Garments: Ready-to-wear garments ≤ Rs 1,000/piece: 5% GST. >Rs 1,000/piece: 12% GST. (d) Yarn: cotton yarn 5%, synthetic yarn 12%. (e) Job work on textile: 5% GST if principal provides material; job worker processes and returns. Job work GST framework: A Tiruppur knitter sends grey fabric to Chennai embroidery unit for job work. The principal (Tiruppur): sends goods under delivery challan (no GST invoice for principal-to-job-worker movement). Job worker: raises GST invoice at 5% on job work charges only (not on the fabric value). Job worked goods must return within 1 year to principal OR be supplied directly to customer. After 1 year without return: treated as supply from principal to job worker → principal must pay GST on deemed supply. ITC for principal: GST paid on job work charges → ITC available. E-way bill for job work: required even though goods are temporarily moving for processing. Principal's GSTIN on the e-way bill. Common Chennai textile compliance error: treating job work as regular sale → incorrect tax rate (charging 12% as garment instead of 5% as job work) → unnecessary GST overpayment, and recipient cannot claim correct ITC. The distinctions between 'sale of service' (job work at 5%) and 'sale of goods' (garment at 12%) must be carefully mapped to the underlying transaction.

More Questions — GST Calculator in Chennai

I'm buying a Hyundai Creta (Rs 16L ex-showroom price, 1500cc petrol, SUV). What's the total GST and cess on my car, and can I claim ITC if I'm a business owner?

Hyundai Creta GST breakdown: Engine: 1500cc petrol. Category: SUV (ground clearance ≥ 170mm, length > 4 metres). GST rate: 28%. Compensation cess: 20% (SUV category). Total tax: 48% on ex-showroom price. Ex-showroom Rs 16L: GST = Rs 16L × 28% = Rs 4.48L. Compensation cess = Rs 16L × 20% = Rs 3.2L. Total tax on vehicle: Rs 7.68L. On-road price includes: ex-showroom Rs 16L + GST Rs 4.48L + Cess Rs 3.2L + Registration (road tax: Tamil Nadu approximately 10% of ex-showroom = Rs 1.6L) + Insurance (Year 1). Approximate on-road: Rs 27-28L. ITC eligibility: As a business owner using this Creta for personal use or general business commute: Section 17(5)(a) BLOCKS ITC. You CANNOT claim the Rs 7.68L GST as ITC. This is a permanent cost. Exceptions where ITC IS available on vehicles: (1) Dealer buying for resale → ITC available on purchase. (2) Company providing vehicle transportation to employees as supply of transportation services → ITC available. (3) Cab aggregator using vehicle for hire (Ola/Uber) → ITC available. (4) Driving school → ITC available. For your business use: if the Creta is genuinely used to transport goods from warehouse to clients AND the principal activity is goods transport → ITC may be possible. But for professional services/IT company buying SUV for director's use: blocked. Budget 2024 update: No change in vehicle GST rates or cess structure. ITC blocking on motor vehicles remains unchanged.

I'm a Chennai auto component supplier (Rs 15Cr revenue: Rs 10Cr domestic B2B at 18%, Rs 5Cr export to Germany under LUT). What's my annual GST liability?

Auto component supplier GST computation: Output GST: Domestic Rs 10Cr × 18% = Rs 1.8Cr output GST. Export Rs 5Cr × 0% (zero-rated, LUT) = zero output GST. Total output liability: Rs 1.8Cr. Input GST (ITC available): Raw material (steel, aluminium): Rs 8Cr purchase × 18% = Rs 1.44Cr ITC. Tooling and machinery (CNC cutters): 18% on Rs 50L = Rs 9L ITC. Logistics (courier, freight): 5-18% on Rs 30L = Rs 3-5L ITC. Professional services (CA, consultants): 18% on Rs 5L = Rs 90K ITC. Total ITC approximately: Rs 1.55Cr. Net GST payable: Rs 1.8Cr - Rs 1.55Cr = Rs 25L cash payment per year. Export ITC: Rs 5Cr export. Input GST attributable to export: Rs 5Cr/Rs 15Cr × Rs 1.55Cr = Rs 51.67L ITC attributable to export. Since you have sufficient domestic output GST (Rs 1.8Cr) to absorb all ITC (Rs 1.55Cr including export ITC): no refund needed — all ITC is utilized. If export was Rs 12Cr (80% export): ITC Rs 1.55Cr, domestic output Rs 54L → accumulated ITC = Rs 1.01Cr → file monthly refund for Rs 1.01Cr. E-way bill: For export consignments from Chennai factory to Chennai Port → e-way bill required. For domestic B2B deliveries > Rs 50,000 within Tamil Nadu → e-way bill. GSTR-1 monthly (or quarterly under QRMP for Rs 5Cr+). GSTR-3B monthly. E-invoicing mandatory (Rs 5Cr+ turnover).

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