18/04/2026
He was paying ₹20+ lakh in GST every year.
After one review, he shifted to Alliance Tax Experts.
Met a client today.
Retail trader. GST registered. Turnover around ₹1.30 crore. Selling goods at 18% GST.
But there was one serious issue.
He was not getting any real Input Tax Credit. His entire supply chain was not passing ITC properly. So every rupee of GST collected from customers was being deposited in full. No set-off. No benefit. No relief.
He had been doing this for years.
For him, this had become normal.
“GST is high, so payment will be high.”
Then I asked him one simple question:
“Are all your customers individuals? No business buyers?”
His answer changed everything.
Yes. 100% B2C.
That opened the door to a completely different possibility:
Composition Scheme.
Instead of paying regular GST with high outflow and heavy compliance, he may have been eligible to pay tax at 1% of turnover, subject to conditions.
On ₹1.30 crore turnover, that is roughly ₹1.30 lakh per year.
Compare that with the ₹20+ lakh he had been paying.
This was not a loophole.
Not risky planning.
Not manipulation.
It was a legal option already available under GST for eligible small retail traders.
That one discussion changed his understanding completely.
And yes, after seeing the gap between routine filing and real advisory, “After understanding the difference between simple filing and real advisory, he moved his GST work to Alliance Tax Experts.”
This is what tax advisory actually means.
Not just filing returns on time.
Not just uploading numbers.
But asking the one question that changes the economics of the business.
If you are a retail trader under ₹1.5 crore turnover, mainly serving B2C customers, and not getting real ITC benefit, check whether you are on the right GST scheme.
Sometimes the biggest savings come from one correct decision.
Santosh Patil
Director, Alliance Tax Experts
Vashi, Navi Mumbai
📞 9769201316
🌐 www.alltaxfin.com