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Tax

GST Calculator — Kochi (Kerala SGST) FY 2025-26

For businesses and consumers in Kochi, Kerala: intra-state GST splits equally between CGST and Kerala 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 Kerala: CGST = Rs 9,000 + Kerala 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 Kerala.

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 Kochi: CGST, Kerala SGST, and IGST — FY 2025-26 Guide

Goods and Services Tax (GST) in Kochi, Kerala operates under a dual structure administered jointly by the Government of India and Kerala state government. Whether you are a business owner in the Infopark Kakkanad / SmartCity area, a consumer buying services inKochi, or a freelancer invoicing clients across India, the applicable GST component — CGST + Kerala SGST or IGST — depends on whether the supply is intra-state or inter-state. Kerala has India's joint-highest stamp duty at 8% + 2% registration = 10% total (tied with some Kochi zones) — making it the most expensive state for property registration. Kerala also has India's highest NRI remittance dependency: approximately $20 billion annually, primarily from the Gulf, representing nearly 35% of Kerala's GDP. Federal Bank and South Indian Bank headquartered in Kerala offer among India's best NRE FD rates.

CGST vs Kerala SGST vs IGST: How It Works in Kochi

The fundamental rule:

  • Intra-state supply (supplier and recipient both in Kerala): GST = CGST (central government) + Kerala SGST (Kerala government), each at half the total GST rate. On a Rs 1,00,000 invoice at 18%: CGST Rs 9,000 (9%) + Kerala SGST Rs 9,000 (9%).
  • Inter-state supply (supplier in Kerala, 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 Kochi pays GST to the government. Common for Kochi's businesses using foreign software, cloud services, or overseas consultants.

GST Rates Applicable to Kochi's Economy

The four main GST rate slabs apply uniformly across Kochi:

  • 5% GST: Essential goods and basic services. For Kochi: 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 Kochi: 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 Kochi's IT/ITES 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. Kochi: automobiles (plus cess), luxury hotels, tobacco products, gambling and racing activities, luxury cement. Plus additional cess on many 28% items.

IT/ITES Sector GST in Kochi

Kochi's IT/ITES sector has specific GST implications that businesses and professionals here must navigate:

  • 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 Kochi's jewellery trade.
  • Professional and consulting services: 18% GST under SAC 9983/9985. Freelancers and consultants in Kochi billing above Rs 20L/year must register for GST and charge 18% CGST + Kerala SGST on domestic invoices.
  • Commercial property rent: If annual commercial rent in Kochiexceeds Rs 20L and the landlord is a GST-registered entity, 18% GST applies. At estimated commercial rents of Rs 37,500/month in Kochi, annual commercial rent is Rs 4,50,000. Annual commercial rent is below Rs 20L — GST on rent may not apply if the landlord is under threshold.

Input Tax Credit (ITC) for Kochi Businesses

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

  • CGST paid can offset CGST or IGST liability; Kerala SGST paid can offset Kerala 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 Kochi's MSMEs and large businesses alike.

GST Registration Threshold and Compliance for Kochi

GST registration is mandatory in Kerala when aggregate turnover exceeds:

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

Kochi freelancers and consultants in the IT/ITES 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 Kochi 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 Kochi Businesses

Small Kochi 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 inKochi's Kakkanad and Edappally 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 Kochi for business-specific compliance guidance.

Frequently Asked Questions — GST in Kochi

What is the difference between Kerala SGST and SGST? Is Kerala SGST the same as SGST?

Yes — Kerala SGST is the State GST (SGST) for Kerala. 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 Kochi (Kerala), all intra-state transactions split GST into CGST (Central GST) and Kerala SGST (KeralaSGST), each at half the applicable rate. On an 18% intra-state invoice of Rs 1,00,000: CGST = Rs 9,000 andKerala SGST = Rs 9,000.

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

You need to register for GST if your annual freelance income exceeds Rs 20 lakh (services threshold for Kerala) 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% + Kerala 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. Kochi's thriving IT/ITES 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 Kochi?

GST on restaurants in Kochi depends on the type. Non-AC restaurants (standalone, not in hotels with room tariff above Rs 7,500): 5% GST (CGST 2.5% + Kerala SGST 2.5%), no Input Tax Credit. AC restaurants or those in 5-star hotels: 18% GST (CGST 9% +Kerala 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 Kochi businesses buying from another state?

When a Kochi (Kerala) 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 Kochi, Kerala): 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 Kerala registered business, you can claim the IGST paid as Input Tax Credit. ITC utilisation order: first against IGST liability, then CGST, then Kerala 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.

Kochi's GST landscape is defined by Kerala's unique economic character: a large seafood processing and export industry (zero-rated under LUT with significant ITC accumulation), the Thrissur-Kochi gold corridor operating under the 3% jewelry GST framework, KSFE chit fund operations where the promoter's commission and management fees attract 18% GST while subscribers' gains do not, Infopark and SmartCity IT/ITES companies exporting software services (zero-rated), CSEZ (Cochin Special Economic Zone) providing a deemed-export framework for DTA suppliers, and Kerala's distinctive ayurvedic medicine industry where GST classification between Ayurvedic (12%) and allopathic (5-12%) medicines creates planning opportunities. Kochi's financial services sector (Federal Bank, South Indian Bank, CSB Bank, Dhanlaxmi Bank) navigates the partial exemption framework — interest income on loans is exempt from GST, but processing fees, prepayment charges, and advisory fees attract 18% GST, creating ITC reversal obligations under Rule 42. Kochi Metro Rail Limited passenger transport is exempt from GST. Kerala's dominant agricultural sectors: rubber (raw natural rubber exempt, rubber products 5-18%), coconut oil (5% in packs ≤1L, 18% in bulk packs >1L), and spices (5-18% depending on processing level). Kerala's tourism: Kovalam, Munnar, Alleppey houseboats at varying GST rates.

Key Insight — Kochi

Kochi's defining GST insight is the coconut oil GST rate trap — one of India's most frequently litigated GST classification disputes where the same product (coconut oil) attracts radically different rates depending purely on packaging size. The rule: coconut oil sold in retail packs ≤ 1 litre = 5% GST (classified as edible vegetable oil). Coconut oil sold in bulk containers > 1 litre = 18% GST (classified as hair oil/cosmetic). This classification has been the subject of multiple AAR (Advance Authority Rulings) and appellate orders across Kerala. The practical trap for Kochi's coconut oil traders and processors: A wholesale trader selling 15-litre tins of coconut oil to hotels and restaurants → 18% GST. Same trader selling 900ml bottles to retailers → 5% GST. The SAME physical product, SAME manufacturing process, DIFFERENT GST rate based only on the container size at the time of supply. This creates: (1) Invoicing discipline: every invoice must correctly identify container size and apply the right rate. (2) ITC chain complications: a hotel buying 15L tins pays 18% IGST/CGST+KGST → claims ITC (if registered, buying for business). But a household buying 900ml pays 5%. (3) Anti-profiteering risk: if a processor switches from bulk to retail packaging to benefit from 5% rate but doesn't pass the benefit to consumers, NAA (National Anti-Profiteering Authority) scrutiny applies. (4) E-commerce platform classification: online grocery platforms selling coconut oil must correctly auto-classify by quantity listed. Kerala's coconut oil industry has sought clarification from CBIC multiple times — the current position as litigated: >1L = 18% regardless of end use. Kochi processors supplying both retail and institutional markets MUST maintain separate SKU-wise GST rate records.

Kochi's Financial Context and GST Calculator

Kerala SGST: 9% (CGST 9% + KGST 9% = 18% standard). Seafood/fish export: fresh/chilled fish exempt; processed/frozen seafood 5% GST; export under LUT → zero-rated. Gold jewelry: 3% GST. Chit fund operator commission: 18% GST on management fee/commission; chit gains for subscribers: not a supply → no GST. Rubber: natural rubber (unprocessed): 5% GST (specific entry); rubber products (tyres, tubes, industrial rubber): 18% GST. Coconut oil: ≤1L retail packs: 5% GST; >1L bulk containers: 18% GST. Ayurvedic medicines (manufactured under Ayurvedic/Unani/Siddha license): 12% GST (specific rate, NOT the 5% pharma rate for allopathic). Allopathic medicines (listed Schedule I drugs): 5% GST; other formulations: 12%. Spices (processed): 5% GST. Kochi Metro Rail: passenger transport exempt. CSEZ: DTA supplier to CSEZ unit = deemed export (zero-rated). IT/ITES exports from Infopark/SmartCity: zero-rated under LUT. Kerala Tourism houseboats (Alleppey): rental income from houseboat = 18% GST (accommodation service, not fishing activity). Hotels: >Rs 7,500/night: 18%; ≤Rs 7,500: 12% if any tariff (removed in 2022 council — check current). Restaurant GST: 5% (no ITC). E-way bill: intra-Kerala Rs 1L threshold; Kerala to other states Rs 50K. Cashew processing: cashew kernels 5% GST.

Kerala Seafood Export GST — ITC Accumulation and Refund Mechanics at Kochi Port

Kochi Port handles a significant share of India's seafood exports — frozen shrimp, cephalopods, and fish fillets exported to the EU, US, and Japan. The GST chain for Kochi seafood exporters creates substantial ITC accumulation requiring monthly refund management. The supply chain: Kerala fishing communities harvest fish → sell to processing units at Kalamassery, Thrippunithura (primary supply: fresh/chilled fish is EXEMPT from GST, so no ITC at this stage). Processing unit buys fresh fish (zero GST input) → freezes, processes → processed/frozen seafood: 5% GST on domestic sale. Processing unit EXPORTS frozen shrimp: zero-rated under LUT → zero output GST. The ITC accumulation: Processing unit's inputs: ammonia/refrigerants for cold storage: 12% GST. Packaging material (master cartons, inner packs): 12-18% GST. Electricity: no GST (supply by KSEB through distribution network). Processing machinery repairs: 18% GST. Freight forwarder services: 18% GST. Cold chain logistics: 18% GST. Cargo handling charges at Kochi Port: 18% GST. Export custom house agent fees: 18% GST. Total input ITC for a Rs 50Cr annual seafood exporter: typically Rs 80L-1.2Cr per year in ITC on non-fish inputs. Output GST from exports: zero. ITC refund: file monthly RFD-01 for accumulated ITC attributable to zero-rated export supplies. The refund eligibility formula: ITC refund = (Total ITC × Export Turnover / Total Turnover). For 100% exporter: full ITC refundable. Refund processed within 60 days; CGST refund by Central GST officer, KGST refund by Kerala GST officer (separate applications in some cases). The fresh fish exemption creates an unusual ITC vacuum at the primary production stage — the fishing community sells exempt goods, so no credit flows from that point. All ITC is generated only at the processing stage (packaging, cold storage, logistics). MPEDA (Marine Products Export Development Authority) registration doesn't affect GST compliance but is required for export quality certification.

KSFE Chit Fund GST and Kerala Financial Services — 18% on Fees, Subscribers Untouched

Kerala State Financial Enterprises (KSFE) is India's largest chit fund company, running thousands of chit groups across Kerala with a presence strongly centred in Kochi, Thrissur, and Thiruvananthapuram. The GST treatment of chit funds is one of Kerala's most practically relevant GST topics given KSFE's massive subscriber base. GST on chit funds — what is taxable: The FOREMAN (organizer/promoter = KSFE) charges: (a) Foreman commission: under the Chit Funds Act 1982, the foreman is entitled to 5% of the chit amount as commission. This commission is subject to 18% GST. KSFE charges 12% to subscribers (since it's a government entity and uses a concessional rate under specific notification — verify current notification). For private chit fund companies: 18% GST on foreman commission. What is NOT GST taxable: The prize money (chit gain) received by prized subscribers: NOT a supply → NOT subject to GST. The monthly subscription paid by chit members: NOT consideration for a supply → NOT GST. The discount foregone by a subscriber who takes the prize early (to get the fund sooner): NOT taxable as GST. Kochi business scenario: A Kochi merchant participating in KSFE's Rs 5L monthly chit (12 members, 1 year). Monthly installment: Rs 41,667. KSFE commission: 5% of Rs 5L = Rs 25,000. Merchant pays: Rs 41,667 + KSFE GST on commission (12% on KSFE portion, or 18% for private chit companies). The merchant pays GST as part of the chit subscription but this is not claimable as ITC (chit subscription is not a business input for most participants). If the merchant is using the chit as a business liquidity mechanism and is registered for GST: they cannot claim ITC on KSFE's commission GST — the chit fund participation is not a 'supply received in the course of business.' Federal Bank, South Indian Bank Kochi: 18% GST on processing fees, foreclosure charges, advisory fees; ITC claimed on inputs (18% GST on software, legal fees, IT maintenance); proportional ITC reversal on exempt interest income activities under Rule 43.

More Questions — GST Calculator in Kochi

I process and export frozen shrimp from my Kochi unit (Rs 30Cr annual exports, zero domestic sales). My inputs: packaging Rs 2Cr (12% GST), cold storage electricity (no GST), freight/logistics Rs 1.5Cr (18% GST), machinery repairs Rs 50L (18% GST), fresh fish purchases from fishermen Rs 18Cr (exempt). What is my GST refund?

Seafood exporter 100% export GST refund: Output GST: zero (100% export under LUT = zero-rated). Input ITC available: Packaging Rs 2Cr × 12% = Rs 24L. Freight/logistics Rs 1.5Cr × 18% = Rs 27L. Machinery repairs Rs 50L × 18% = Rs 9L. Fresh fish purchases Rs 18Cr: EXEMPT supply = zero GST = zero ITC (the exemption at the primary fishing stage means you absorb this input cost without ITC). Electricity from KSEB: not a GST supply → zero ITC. Total ITC available for refund: Rs 24L + Rs 27L + Rs 9L = Rs 60L per year = Rs 5L/month. Refund process: File RFD-01 monthly on GST portal. Since you're 100% exporter: refund = total ITC (no apportionment needed). Upload shipping bills from ICEGATE linked to your GSTIN → GST portal auto-populates export data in GSTR-1 Table 6A. Refund typically processed in 30-60 days for exporters with clean GSTR-2B reconciliation. Common issue: KSEB electricity charges often create confusion — KSEB issues electricity bills but electricity distribution is not a GST supply in this context (generation is subject to GST at 5% only at generation stage, not distribution). Don't create fraudulent ITC on electricity bills. Key compliance: LUT must be filed each financial year (Form RFD-11 before April 1 or before first zero-rated supply). MPEDA Export Certificate doesn't replace GST LUT. File GSTR-1 monthly (mandatory for Rs 30Cr turnover — above QRMP Rs 5Cr limit). Track BRC (Bank Realisation Certificate) for each shipment to support refund.

I sell coconut oil from my Kochi unit — 500ml bottles to retail shops (5% GST) and 15-litre tins to hotels and restaurant chains (18% GST). A hotel is asking me to split one 15-litre tin into 15×1-litre packs to benefit from 5% GST. Can I do this?

Coconut oil packaging GST restructuring — legal and practical analysis: The hotel's request is technically possible but creates several issues. Legal position: The GST rate (5% vs 18%) is determined at the TIME OF SUPPLY, based on the packaging at point of invoice. If you repack into 1-litre bottles and issue a fresh invoice for 1-litre packs: the supply is genuinely 5% GST supply. You are NOT committing fraud if: (a) the repacking is actual and genuine, (b) the 1-litre packs are properly labelled, (c) the invoice correctly reflects 1L units. Practical concerns: (1) Repacking cost: repackaging from bulk to retail involves labour, new bottles, labels, and sealing — the cost savings in GST (18% vs 5% on Rs 5,000 of oil = Rs 650 difference) may not justify the repacking cost. (2) Anti-profiteering: if you previously supplied at 18% and now switch to 1L packs at 5%, the hotel should pay LESS (by the GST saving). If you charge the same total price as before, you technically retain the GST saving → anti-profiteering complaint risk. (3) Practical for hotels: hotels buying in 15L for kitchen use will find 15× 1L bottles operationally inconvenient. (4) Verification risk: if the hotel uses the 1L bottles as hair oil (marketed to staff) and claims it's edible oil at 5% → classification dispute. Recommendation: for genuine bulk kitchen use (hotel cooking), staying on 18% 15L supply is cleaner compliance. If the volume difference (18% vs 5% = 13% GST saving on coconut oil spend) is material for the hotel, they can restructure their purchase orders to buy through a retail distributor who stocks 1L packs. Your obligation: correctly classify and charge the rate applicable to the pack size you're supplying.

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