With SLM, you spread the loss evenly—so for that machine, (₹4,00,000 minus ₹40,000) over its life, same deduction each year. Written down value takes a fixed percentage of the remaining value, so it bites more at the start, like a hungry caterpillar. I chose SLM for my loom, thinking steady was safe, but oh, those first few years the taxman still came for his full share while my pockets were all thread. Now I see, a bigger early deduction might have left me with more for spectacles when I needed them most.
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