Saturday, 8 February 2014

Asok Nadhani-Accountancy-Partnership Accounts-Retirement of Partner

Retirement of Partner
By Asok Nadhani
23.1 Retirement of Partner
i)    A partner may retire from the partnership firm (because of old age, illness, or any other reason) etc.
ii)   The partnership firm may not come to an end when one of the partners retires, as other partners may continue to run the business of the firm. In such case, readjustment takes place as in case of admission of a partner.
iii)  On retirement, Assets and Liabilities are revalued, value of goodwill is raised and surrender value of joint life policy, if any, is taken into account. Also Revaluation Profit and Reserves are transferred to Capital Account and Current Accounts of Partners’ Accounts.
23.2 Calculation of Continuing Partners’ Gaining Ratio
On retirement of a partner, the continuing partners will gain in terms of Profit Sharing Ratio (PSR).
Gaining ratio is the difference between New Profit Sharing Ratio and Old Profit Sharing Ratio.
Example:
If X, Y and Z were sharing Profits and Losses in the Ratio of 5:3:2 and Y retires, X and Z now have to decide at which ratio they will share Profits and Losses in future.
If the new ratio is 3:2, then
X gains 1/10th i.e. (3/5th – 5/10th) and
Z gains 2/10th i.e. (2/5th – 2/10th).
So, the Gaining Ratio between X and Z is (1/10) : (2/10), i.e. 1:2.
Gaining Ratio = New Profit Sharing Ratio – Old Profit Sharing Ratio
Or New Profit Sharing Ratio = Old Profit Sharing Ratio + Gaining Ratio
Sometimes, the Old Profit Sharing Ratio acts as a Gaining Ratio between the existing partners if nothing is mentioned about New Profit Sharing Ratio.

Example:
P, Q and R are in partnership sharing profits and losses at the ratio of 3:2:1. Now P wants to retire and Q and R want to continue sharing profits and losses at the ratio of 2:1. Then find the Gaining Ratio.
Solution:
In this case, Q and R decide to continue sharing profits and losses at the ratio of 2:1 i.e. the existing profit sharing ratio between them then,  
Q would gain (2/3rd – 2/6th) = 2/6th share. 
R would gain (1/3rd – 1/6th) = 1/6th share.
Gaining ratio of Q and R would be 2:1.  It reveals that the Old Profit Sharing Ratio acts as a Gaining Ratio between the existing partners.

23.3 Partnership Goodwill
1. a) Goodwill Raised (When goodwill is not shown in the books of the firm and is raised in full value)
Goodwill A/c
Dr.

To Partners’ Capital A/c

(in the Old PSR)
b) Goodwill written off
Partners’ Capital A/c
Dr.
(excluding the retiring or deceased partner)
To Goodwill A/c

(in the New PSR)
2. a) Goodwill for Retiring Partner raised (When only the share of the retiring partners is brought or raised into books and written off)
Goodwill A/c
Dr.

To Retiring Partners’ Capital A/c

(in the Old PSR)
b) Goodwill written off
Continuing Partners’ Capital A/c
Dr.

To Goodwill A/c

(in the Gaining Ratio)
Example:
R, S and T are partners sharing profit and losses in the ratio of 4:3:2. S retires and goodwill is valued Rs. 27,000. No goodwill is shown in the books of the firm. Assuming that R and T will share profit in future in the ratio of 5:3 pass the journal entries
(a) When goodwill account is raised but written off and
(b) When only S’ s goodwill account is raised and written off.
Solution:
Working Notes:
Calculation of Gaining Ratio
Old Ratio between R, S and T is 4:3:2
New ratio for R and T is 5:3
Gaining ratio = New ratio – Old ratio
Gaining ratio of R = (5/8 – 4/9) = 13/72
Gaining ratio of T = (3/8 – 2/9) = 11/72
Gaining ratio of R : T is (13/72) : (11/72) = 13:11
Journal Entries in the Books of R, S and T
Situation (a)

Dr.
Cr.
Particulars

Rs.
Rs.
Goodwill A/c
Dr.
27,000

To R’s Capital  A/c [Rs.27,000 x (4/9)]


12,000
To S’s Capital  A/c [Rs.27,000 x (3/9)]


9,000
To T’s Capital  A/c [Rs.27,000 x (2/9)]


6,000
(Goodwill raised and credited in the old profit sharing ratio of 4:3:2)



R’s Capital  A/c [Rs.27,000 x (5/8)]
Dr.
16,875

T’s Capital  A/c [Rs.27,000 x (3/8)]
Dr.
10,125

To Goodwill A/c


27,000
(Goodwill written off in the new ratio of 5:3).



Situation (b)



Goodwill A/c
Dr.
9,000

To S’s Capital A/c


9,000
(S’s share of goodwill raised Rs.27,000 x 3/9)



R’s Capital  A/c [Rs.9,000 x (13/24]
Dr.
4,875

T’s Capital  A/c [Rs.9,000 x (11/24]
Dr.
4,125

To Goodwill A/c


9,000
(S’s share of goodwill written off by debiting the remaining partners in the gaining ratio 13:11)



23.4 Revaluation of Assets and Liabilities on Retirement
i)    On retirement of a partner revalued assets and liabilities are to be recorded just as in the case of admission of a partner. Profit or loss resulting from revaluation should be distributed among the partners, including the retiring partner at the old profit sharing ratio.
ii)   The following journal entry for distribution of profit or loss on revaluation, will appear:
Date
Particulars

Amount
(Rs.)
Amount
(Rs.)

Revaluation A/c
Dr.



To Partners’ Capital A/c.




(Distribution or Loss on Revaluation to all Partners’ Capital A/c.)




Or




Partners’ Capital A/c
Dr.



To Revaluation A/c.




(Distribution of Profit on Revaluation to all partners’ Capital A/c.)




Example: (When revaluation Account does not appear in Balance Sheet)
If A, B and C share profits and losses equally and there is a revaluation profit of Rs.60,000 calculated on A’s retirement, So, Rs.(60,000/3) = Rs.20,000 becomes due to A which is to be borne by B and C equally. The journal entry would be
Solution:


Dr.
Cr.
Date
Particulars

Amount
(Rs.)
Amount
(Rs.)

B’s Capital A/c
Dr.
10,000


C’s Capital A/c
Dr.
10,000


To A’s Capital A/c.


20,000

Example: (Revaluation of Assets & Liabilities)
A, B and C are partner’s equally sharing Profit or Loss. A retires, on revaluation, there is an increase in sundry fixed assets of Rs.15,000 and Rs.3,000 decreases in sundry creditors: Pass the journal entries.
Solution:
At first the partners’ capital account will be credited in the in the existing profit sharing ratio. Again the existing partners’ capital account will be debited in respect to the assets and liabilities for such gain in the new profit sharing ratio.


Dr.
Cr.
Date
Particulars

Amount
(Rs.)
Amount
(Rs.)

Sundry Fixed Assets A/c
Dr.
15,000


Sundry Creditors A/c
Dr.
3,000


To A’s Capital A/c.


6,000

To B’s Capital A/c.


6,000

To C’s Capital A/c.


6,000

(Distribution of Revaluation Profit amongst partners at the old profit sharing ratio.)



B’s Capital A/c
Dr.
9,000


C’s Capital A/c
Dr.
9,000


To Sundry Fixed Assets A/c.


15,000

To Sundry Creditors A/c.


3,000

(Distribution of Revaluation Profit amongst partners at the old profit sharing ratio.)


In the case of the following journal entry, it is not necessary to open a separate Revaluation Account.
      
23.5 Reserve or Undistributed Profit & Loss
On retirement of a partner, any undistributed profit or reserve standing at the Balance Sheet is to be credited to the Partners’ Capital Accounts in the old profit sharing ratio. Alternatively, only the retiring partner’s share may be transferred to his Capital account, if the other partner’s continue at the same profit sharing ratio.
Example:
X, Y and Z were in partnership sharing profits and losses at the ratio 3:2:1. X retired and Y and Z agreed to share profits and losses at the ratio of 2:1. Reserve balance was Rs.12,000. Show the journal entries-
Solution:


Dr.
Cr.
Date
Particulars

Amount
(Rs.)
Amount
(Rs.)

Reserve A/c
Dr.
12,000


To X’s Capital A/c.


6,000

To Y’s Capital A/c.


4,000

To Z’s Capital A/c.


2,000

(Transfer of reserve to Partner’s Capital A/c at 3:2:1 on A’s retirement.)



Reserve A/c
Dr.
6,000


To X’s Capital A/c


6,000

(Transfer of A’s share of Reserve to the Capital account on his retirement.)


Note: in this case, Y and Z continued at the same ratio 3:2 as they did before A’s retirement.

Example:
X, Y and Z were equal partners. Z decided to retire. X and Y decided to continue at the ratio of 3:2. Reserve standing at the date of retirement of Z was Rs.18,000.
Solution:
Calculation of Gaining Ratio
X’s gain = 3/5th – 1/3rd = 4/15th
Y’s gain = 2/5th – 1/3rd = 1/15th
Gaining Ratio = X: Y = (4/15) : (1/15) = 4 : 1.
So the following journal entry should be passed:-


Dr.
Cr.
Date
Particulars

Amount
(Rs.)
Amount
(Rs.)

Reserve A/c
Dr.
18,000


To X’s Capital A/c. [Rs.18,000 x (1/3)]


6,000

To Y’s Capital A/c. [Rs.18,000 x (1/3)]


6,000

To Z’s Capital A/c. [Rs.18,000 x (1/3)]


6,000

(Transfer to reserve on Z’s retirement in the old PSR 3:2:1)



If the continuing partners want to show reserve in the Balance Sheet, then the following journal entry should be passed.

X’s Capital A/c. [Rs.6,000 x (4/5)]
Dr.
4,800


Y’s Capital A/c. [Rs.6,000 x (1/5)]

1,200


To Z’s Capital A/c


6,000

(Adjustment entry for Z’s share of reserve in the gaining ratio 4 :1)



Note: In this case, adjustment of Z’s share was not sufficient since the relationship between X and Y was also changed.   
23.6 Final Payment to Retiring Partner
The following adjustments are necessary in the Capital A/cs:
(i)     Transfer of Reserve.
(ii)    Transfer of Goodwill.
(iii)   Transfer of profit/loss on revaluation.
After adjustment of the above mentioned items, the Capital Account balance standing to the credit of the retiring partner represents amount to be paid to him:
(a)   Continuing partner discharges whole claim to retiring partner: The continuing partnership may discharge the whole claim at the time of retirement. Then the journal entry will appear as follows:
Retiring Partner’s Capital A/c
Dr.
To Bank A/c

(b)   Retiring partner retains a portion of claim: Sometimes the retiring partner agrees to retain some portion of his claim in the partnership as loan. The journal entry will be as follows:
Retiring Partner’s Capital A/c
Dr.
To Retiring Partners’ Loan A/c

 To Bank A/c






       
Example:
A and B are partners in a business, sharing profit and losses as A - 3/5th and B - 2/5th. Their Balance Sheet as on 1st January, 2010 is given below:
Liabilities

Amount
(Rs.)
Assets

Amount
(Rs.)
Capital Accounts


Plant and Machinery

25,000
A -
25,000

Stock

11,000
B -
15,000
40,000
Debtors

14,000
Reserve Account

15,000
Balance at Bank

6,000
Sundry Creditors

2,500
Cash in hand

1,500


57,500


57,500
 B retires from the business and A takes it over. The following revaluation was made.
(i)     The goodwill of the firm is valued at Rs.25,000
(ii)    Depreciate Plant and Machinery by 10% and Stock by 15%
(iii)   Bad debts provision is raised against debtors at 5% and a discount reserve against creditors at 2%
Journalize the adjustments and close the Partners’ Accounts as on 1st January 2009. Give also the opening Balance Sheet of A.
Solution:
Journal Entries (goodwill raised in the books)


Dr.
Cr.
Date
Particulars

(Rs.)
(Rs.)
2009




Jan 1
Goodwill A/c
Dr.
25,000


To A’s Capital A/c [Rs.25,000 x (3/5)]


15,000

To B’s Capital A/c [Rs.25,000 x (2/5)]


10,000

(The goodwill raised in full value and credited in the profit sharing ratio of 3:2 on B’s retirement.)




Reserve A/c
Dr.
15,000


To A’s Capital A/c [Rs.15,000 x (3/5)]


9,000

To B’s Capital A/c [Rs.15,000 x (2/5)]


6,000

(Transfer of reserve to A’s Capital account and B’s Capital Account in the profit sharing ratio 3 : 2)




Profit and Loss Adjustment A/c
Dr.
4,850


To Plant and Machinery A/c


2,500

To Stock A/c (15% of Rs.11,000)


1,650

To Provision for Bad Debts A/c (5% of Rs.14,000)


700

(Reduction in the values of assets and creation of provision for doubtful debts as per agreement with B)




Reserve for Discount on Creditors A/c
Dr.
50


To Profit and Loss Adjustment A/c


50

(Creation of reserve for discount on creditors at 2% of Rs.2,500)




A’s Capital A/c [4,800 x 3/5]
Dr.
2,880


B’s Capital A/c [4,800 x 2/5]
Dr.
1,920


To Profit and Loss Adjustment A/c


4,800

(Transfer of loss on revaluation of assets and liabilities Rs.4,800 (Rs.4,850 – Rs.50) to Capital Accounts of A and B in the profit sharing ratio of 3 : 2)




B’s Capital A/c
Dr.
29,080


To B’s Loan A/c


29,080

(Transfer of B’s Capital Account to his Loan A/c [Rs.(10,000+6,000+15,000)-1,920]



Partners’ Capital Account
Dr.




Cr.
Particulars
A
(Rs.)
B
(Rs.)
Particulars
A
(Rs.)
B
(Rs.)
To P& L Adjustment A/c
2,880
1,920
By Balance b/d
25,000
15,000
To B’s Loan A/c
-
29,080
By Goodwill A/c
15,000
10,000
To A’s Capital A/c
46,120
-
By Reserve A/c
9,000
6,000

49,000
31,000

49,000
31,000
Balance Sheet of A
As on 1st January, 2009
Liabilities

Amount
(Rs.)
Assets

Amount
(Rs.)
A’s Capital Accounts
Rs.[(25.000+9,000+15,000)-2880]

46,120
Goodwill
Plant and Machinery

25,000
25,000

B’s Loan Account

29,080
Less: Depreciation
2,500
22,500
Sundry Creditors
2,500

Stock (Rs.11,000 – Rs.1,650)

9,350
Less: Reserve for Discount
50
2,450
Debtors
14,000




Less: Provision for Bad Debts
700
13,300



Balance at Bank

6,000



Cash in Hand

1,500


77,650


77,650
Note: As the Business has been sold to A, the goodwill has been raised and it will appear in the Balance Sheet of A.     
23.7 Paying a Partner’s Loan in Installment
Sometimes a partner’s loan is to be paid off in certain equal installments and that the balance is to carry interest. The interest for the period should be calculated and the payment should consist of loan installment plus interest for the period.
Example:
A partner’s loan stands at Rs.60,000 and that it has to be paid in three annual equal installments carrying interest at 6% p. a. For the first year, the first interest is Rs.3,600(i.e. 6% on Rs.60,000). In the first year the amount to be paid will be Rs.23,600 (20,000 + 3,600). Balance of Rs.40,000 will now be left. Next year the interest will be Rs.2,400 (i.e. 6% on 40,000). The amount to be paid therefore will be Rs.20,000 plus interest Rs.2,400 i.e. Rs.22,400. The loan account will appear in the books as under.
Solution:
Retiring Partner’s Loan A/c
Dr.




Cr.
Date
Particulars
Amount
(Rs.)
Date
Particulars
Amount
(Rs.)
1 year
To Cash A/c
23,600
1 year
By Capital A/c
60,000

Rs.(20,000 + 3,600)


By Interest A/c.
3,600

To Balance c/d
40,000

Rs.60,000 x (6/100)



63,600


63,600
2 year
To Cash A/c.
22,400
2 year
By Balance b/d
40,000

Rs.(20,000 + 2,400)


By Interest A/c.
2,400

To Balance c/d
20,000

Rs.40,000 x (6/100)



42,400


42,400
3 year
To Cash A/c
21,200
3 year
By Balance b/d
20,000




By interest A/c.
1,200




Rs.20,000 x (6/100)



21,200


21,200
Example:
X, Y and Z are partners sharing profits and losses in the ratio of 5:3:2. On 1st January, 2009, Z retires. On that date, the Capital Account of the partners showed credit balance of X Rs.15,000, Y Rs.12,000 and Z Rs.10,000. Goodwill of the firm to be calculated at 2 year’s purchase of the average profits of the last 3 years. It was agreed that the payment of the Capital and share of Goodwill to the retiring partner shall be made by annual installment of Rs.6,000 each, together with interest for the first years and the balance in the balance in the last year, Interest being calculated at 6% on the unpaid balances.
The Profit for the years 2006, 2007 and 2008 were Rs.6,000, Rs.4,000 and Rs.2,000 respectively.
The first installment was paid on 31st December, 2009
Show Z’s Loan Account until the payment of the whole amount due to him was made:

Solution:
Computation of Goodwill
Profits for the 3 years were: (2006 to 2008) = Rs.(6,000 + 4,000 + 2,000) = Rs.12,000.
Average profit = Rs.12,000/3 = Rs.4,000, Value of Goodwill = Rs.4,000 x 2 = Rs.8,000, Z’s Share of Goodwill
= Rs.8,000 x 2/10th = Rs.1,600.
Z’s Capital Account
Dr.




Cr.
Date
Particulars
Amount
(Rs.)
Date
Particulars
Amount
(Rs.)
2009


2009


Jan, 1
To Transfer to Z’s Loan A/c.
11,600
Jan, 1
By Balance b/d
10,000




By Goodwill A/c.
1,600


11,600


11,600
2009


2009


Dec
To Cash or Bank A/c
6,000
Jan, 1
By Transfer from Z’s Capital A/c
11,600

To Balance c/d
6,296
Dec
By Interest A/c
696




Rs.11,600 x (6/100)



12,296


12,296
2010


2010


Dec
To Cash or Bank A/c
6,674
Jan, 1
By Balance b/d
6,296



Dec
By Interest A/c
378




Rs.6,296 x (6/100)



6,674


6,674
Comprehensive Illustration
Example (Goodwill calculation, Revaluation, Proportionate capital)

The Balance Sheet of A, B, and C who sharing profit and losses of their capitals i.e. 4:3:2 stood as follows as on 31st December, 2009.
Liabilities

(Rs.)
Assets

(Rs.)
Sundry Creditors

13,800
Land and Building

50,000
Capitals:


Plant & Machinery

17,000
A -
40,000

Stock

16,000
B -
30,000

Sundry Debtors
10,000

C -
20,000
90,000
Less: Provision for bad debt
200
9,800



Cash at Bank

11,000


1,03,800


1,03,800
On 31.12.2009, B retires and the following assets and liabilities are revalued to ascertain the amount payable to B by the firm.
1.     The stock to be written off by 6%.
2.     The provision for bad debts brought up to 5% on sundry debtors.
3.     Land and building be appreciated by 20%.
4.     A provision for Rs.1,540 to be made in respect of outstanding legal charges.
5.     The goodwill of the firm is fixed at Rs.21,600 and B’s share of the same be adjusted in the accounts of A and C. The future profit sharing ratio between A and C is fixed as 5:3.
6.     The entire capital of the newly constituted firm is fixed as Rs.56,000 between A and C in the proportion of 5:3 after passing entries in the accounts for goodwill.
Pass journal entries to give the effect to the above arrangement and prepare Balance sheet of the newly constituted firm transferring B’s share of capital and goodwill to a separate Loan Account on his name on 1st January.
[Adapted- C.A Entrance]
Solution:
Working notes
1.     Calculation of Gaining ratio between A & C
In the problem, it is mentioned that B’s share (the retiring partner) of goodwill will be adjusted in the account of A & C. So only B’s share in goodwill will be raised and the same written off in the account of A & C in the gaining ratio.
Old Ratio among A, B and C is 4:3:2
New ratio for A and C is 5:3
Gaining ratio = New ratio – Old ratio
Gaining ratio of A = (5/8 – 4/9) = 13/72
Gaining ratio of C = (3/8 – 2/9) = 11/72
Therefore, Gaining ratio of A : C is (13/72) : (11/72) = 13:11

2.     Calculation of Adjusted capital of A & C
After retirement of B, Capital of the firm is fixed as Rs.56,000, which will be shared between A & C in the new ratio after passing entries in goodwill.
A’s capital will be = Rs.56,000 x 5/8 = Rs.35,000
C’s capital will be = Rs.56,000 x 3/8 = Rs.21,000
In this case, Partners’ Capital A/cs will be adjusted against their new capital balances after passing the entries for goodwill (as mentioned). If there is any excess capital, it will be withdrawn and if there is any deficiency in capital it will be brought by partners in cash, as the case may be.
Journal Entries


Dr.
Cr.
Date
Particulars

(Rs.)
(Rs.)
2009




Dec.31
 Land and Building A/c
Dr.
10,000


To Profit & Loss Adjustment A/c


10,000

(Appreciation of land and building by 20% on B’s retirement.)




Profit & Loss Adjustment A/c
Dr.
2,800


To Stock A/c (6% on Rs.16,000)


960

To Provision for bad debts A/c [(5% on Rs.10,000) – Rs.200]


300

To Provision for legal charges A/c


1,540

(Adjustment of decrease in value of stock, increase in provision on debtors and legal charges.)



Profit & Loss Adjustment A/c (Rs.10,000 – Rs.2,800)
Dr.
7,200


To A’s Capital A/c (Rs.7,200 x 4/9)


3,200

To B’s Capital A/c (Rs.7,200 x 3/9)


2,400

To C’s Capital A/c (Rs.7,200 x 2/9)


1,600

(Profit on revaluation transferred to Partners’ Capital in the profit sharing ratio of 4:3:2.)



Goodwill A/c
Dr.
7,200


To B’s Capital A/c


7,200

(B’s share of goodwill raised [Rs.21,600 x 3/9].)




A’s Capital  A/c (Rs.7,200 x 13/24)
Dr.
3,900


C’s Capital  A/c (Rs.7,200 x 11/24)
Dr.
3,300


To Goodwill A/c


7,200

(B’s share of goodwill written off by debiting the remaining partners in the gaining ratio 13:11)



B’s Capital A/c
Dr.
39,600


To B’s Loan A/c


39,600

(Balance of B’s Capital transferred to B’s Loan Account.)




Bank A/c
Dr.
2,700


To C’s Capital A/c


2,700

(Cash brought by C to adjust his Capital balance to 3/8th share)




A’s Capital  A/c
Dr.
4,300


To Bank A/c


4,300

(Cash withdrawn by A to adjust his Capital balance to 5/8th share)



Partners’ Capital Account
Dr.





Cr.
Particulars
A
(Rs.)
B
(Rs.)
C
(Rs.)
Particulars
A
(Rs.)
B
(Rs.)
C
(Rs.)
To Goodwill A/c [wn.1]
3,900
-
3,300
By Balance b/d
40,000
30,000
20,000
To Bank A/c (bal. fig.)
4,300
-
-
By P& L Adjustment A/c
3,200
2,400
1,600
To Balance c/d [wn.2]
35,000
-
21,000
By Goodwill A/c [wn.1]
-
7,200
-
To B’s Loan A/c (trnsfd.)
-
39,600
-
By Bank A/c (bal. fig.)


2,700

43,200
39,600
24,300

43,200
39,600
24,300
Balance Sheet
As on 1st January, 2010
Liabilities

Amount
(Rs.)
Assets

Amount
(Rs.)
Capital Accounts [Wn.2]


Land and Building
50,000

A -
35,000

Add: appreciation
10,000
60,000
C -
21,000
56,000
Plant & Machinery

17,000
Sundry Creditors

13,800
Stock
16,000

Provision for legal charges

1,540
Less: written off
960
15,040
B’s Loan Account

39,600
Sundry Debtors
10,000




Less: Provision for Bad Debts





Rs.(200 +300)
500
9,500



Cash at Bank [Wn.3]

9,400


1,10,940


1,10,940
Working notes:
3.                                                                             Cash at Bank A/c
Dr.


Cr.

Rs.

Rs.
To balance b/d
11,000
By A’s capital A/c
4,300
To C’s Capital A/c
2,700
By Balance c/d
9,400

13,700

13,700

23.8 Joint Life Policy
i)    A partnership firm may decide to take a Joint Insurance policy on the lives of all partners. The firm pays the premium and the amount of policy is payable to the firm on the death of any partner or on the maturity of policy, whichever is earlier.
ii)   If premium is as expense, Premium paid is debited to profit and loss account each year. Amount received from Insurance Company will be treated as firm’s profit and will be credited to capital accounts of all partners. 


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