Income Tax Act 2025: Section 106 for Tax Year 2025-26

Borrowing or repaying via a negotiable instrument, hundi, etc., except an account payee cheque, is treated as income under Section 106 of the Income Tax Act 2025.

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Amount borrowed or repaid through negotiable instrument, hundi, etc.

[As per the Income Tax Act, 2025 (this Act) w.e.f. 1st April, 2026.]

Section 106(1) of Income Tax Act 2025

(1) Where any amount (including interest thereof) is borrowed or repaid through a negotiable instrument or a hundi, other than an account payee cheque, or through any mode as specified by the Board in this behalf, the amount so borrowed or repaid shall be deemed to be the income of the person borrowing or repaying, as the case maybe, for the tax year in which the amount was borrowed or repaid.

Section 106(2) of Income Tax Act 2025

(2) Where the amount borrowed under sub-section (1) has been deemed to be the income of any person, such person shall not be liable to be assessed again in respect of such amount under that sub-section on repayment of such amount.


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