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BRILLIANT’S Investment Accounting 271
Cum-Interest:
Payment to Quotation
Seller Price
Cost Interest Accrued
Ex-Interest:
Payment to Quotation Accrued
+
Seller Price Interest
Cost
Note: ZmoQ>…
In case of government security, the price JdZ©‘|Q> {g³¶mo[aQ>r H$s pñW{V ‘| H$moQ> {H$¶m J¶m
quoted is ex-interest unless otherwise ‘yë¶ E³g-B§Q>aoñQ> h¡ O~ VH$ {H$ AݶWm Z ~Vm¶m
stated. Om¶o&
In case of non-government security, the Zm°Z-JdZ©‘|Q> {g³¶mo[aQ>r H$s pñW{V ‘| H$moQ> {H$¶m
price quoted is cum-interest unless other- J¶m ‘yë¶ H$‘-B§Q>aoñQ> h¡ O~ VH$ {H$ AݶWm Z
wise stated.
~Vm¶m Om¶o&
(i) Cum-Interest/Dividend Purchases (i) H$‘-B§Q>aoñQ>/{S>{dS>|S> nM}gog
When securities are purchased 'Cum-in- O~ {g³¶mo[aQ>rO IarXr OmVr h¢ Vmo nM}g H$s E§Q´>r
terest' care must be taken at the time of pass- H$aVo g‘¶ 'H$‘-B§Q>aoñQ>' H$s gmdYmZr aIZm Amdí¶H$
ing entry for purchase. In this case quotation hmoVm h¡& Bg pñW{V ‘| H$moQ>oeZ ‘yë¶ ‘| bmJV Ho$ gmW bJm
price consists of cost plus accrued interest. In-
vestment account will be debited with the cost ã¶mO ^r gpå‘{bV hmoVm h¡& B§doñQ>‘|Q> AH$mC§Q> H$mo Ho$db
only and interest account will be debited with bmJV Ho$ gmW S>o{~Q> {H$¶m Om¶oJm VWm B§Q>aoñQ> AH$mC§Q>
accrued interest upto the date of purchase from ^wJVmZ {H$¶o J¶o A§{V‘ ã¶mO H$s {XZm§H$ go H«$¶ H$s
the date of last interest paid. Bank account will {XZm§H$ VH$ bJo ã¶mO go S>o{~Q> {H$¶m Om¶oJm& ~¢H$ AH$mC§Q>
be credited with the quotation price. On receipt
of first amount of interest on due date, the In- H$mo H$moQ>oeZ ‘yë¶ go H«o${S>Q> {H$¶m Om¶oJm& {ZpíMV {XZm§H$
terest Account will be credited with the whole na ã¶mO H$s nhbr am{e H$s àm[ßV na B§Q>aoñQ> AH$mC§Q>
amount of that period. H$mo Cg nr[a¶S> H$s g§nyU© am{e go H«o${S>Q> {H$¶m Om¶oJm&
For calculating cost and accrued interest, bmJV VWm K{Q>V ã¶mO H$s JUZm H$aZo Ho$ {bE
the following steps should be followed: {ZåZ{b{IV MaUm| H$m nmbZ H$aZm Mm{hE…
Step 1: Calculate the period between the date MaU 1… ^wJVmZ {H$¶o J¶o A§{V‘ ã¶mO H$s {XZm§H$ VWm
of last interest paid and the date of {g³¶mo[aQ>rO Ho$ H«$¶ H$s {XZm§H$ Ho$ ~rM H$s
purchase of securities. Ad{Y H$s JUZm H$aZm&

