📢 GST Council 56th Meeting Update: New simplified rate structure effective Sept 2025 — View Updated Rates
India's Largest HSN & SAC Code Directory

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SAC Code & GST Rate
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Search from 5,000+ HSN codes for goods and 1,000+ SAC codes for services. Get accurate GST rates, chapter details, and compliance guidance — free.

Popular: Cotton Fabric Restaurant Mobile Phone Gold Jewellery IT Services Rice
🇮🇳 GST-compliant & updated 2025
✅ 5,000+ HSN codes listed
HSNcode.org — Live Directory Last updated: March 2026
Database Live
5,000+
HSN Codes
1,200+
SAC Codes
99%
Accuracy
Recent Lookups
Code Description Type GST Rate
5208 Woven Cotton Fabrics HSN 5%
9963 Accommodation Services SAC 12%
8517 Telephones & Mobile Phones HSN 18%
7113 Articles of Jewellery HSN 3%
9982 Legal & Accounting Services SAC 18%
Showing 5 of 6,200+ entries Browse All →
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Browse by Category

HSN Code Categories

HSN codes are grouped into 21 sections and 99 chapters covering all goods traded globally. Browse by category to find the right code for your product.

🌾

Agricultural Products

Live animals, meat, fish, dairy, cereals, vegetables, fruits, edible oils.

Chapters 01–24
⚗️

Chemicals & Plastics

Organic/inorganic chemicals, pharmaceuticals, fertilizers, plastics, rubber.

Chapters 28–40
🧵

Textiles & Garments

Cotton, silk, wool, synthetic fibres, woven fabrics, clothing accessories.

Chapters 50–63
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Gems & Jewellery

Natural stones, precious metals, gold, silver, jewellery, imitation jewellery.

Chapters 71
⚙️

Machinery & Electronics

Industrial machinery, computers, telephones, electrical equipment, motors.

Chapters 84–85
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Vehicles & Transport

Cars, motorcycles, trucks, aircraft, ships, bicycles, parts & accessories.

Chapters 86–89
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Medical & Optical

Medical instruments, optical goods, clocks, watches, musical instruments.

Chapters 90–92
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Miscellaneous Goods

Furniture, toys, sports goods, art, antiques, and other miscellaneous items.

Chapters 94–99
All 21 HSN Sections — Quick Jump by Chapter
Ch.01 Animals Ch.05 Minerals Ch.10 Cereals Ch.15 Oils Ch.17 Sugar Ch.18 Cocoa Ch.20 Vegeta.. Ch.22 Beverag Ch.24 Tobacco Ch.25 Mineral Ch.28 Chemical Ch.29 Organic Ch.30 Pharma Ch.32 Dyes Ch.35 Enzymes Ch.39 Plastics Ch.40 Rubber Ch.44 Wood Ch.50 Silk Ch.52 Cotton Ch.54 Synth.. Ch.61 Clothing Ch.64 Footwear Ch.68 Stone Ch.72 Iron Ch.84 Machinery Ch.85 Electro Ch.87 Vehicles Ch.90 Medical Ch.94 Furnitu Ch.96 Misc. Ch.99 Services

GST Rate Structure

India's GST Rate Slabs Explained

Under GST, goods and services are taxed at five standard rates. Knowing the correct slab is essential for invoicing, returns, and compliance.

Nil

0% — Exempt / Nil Rated

Essential goods: fresh vegetables, milk, eggs, contraceptives, healthcare, education services.

5%

5% — Lower Rate

Essential commodities: food grains, edible oils, medicines, agri inputs, branded paneer, economy hotels.

12%

12% — Standard Rate

Processed food, business class air tickets, computers, mobile phones under ₹10k, mid-range hotels.

18%

18% — Standard Rate

Most goods and services fall here: IT services, restaurant (AC), telecom, financial services, insurance.

28%

28% — Luxury / Demerit Rate

Luxury goods, tobacco, aerated drinks, automobiles, cement, 5-star hotels, gambling, lottery.

Sample HSN/SAC Rate Reference

Illustrative — verify on GST Portal
HSN/SAC Description CGST SGST IGST Rate
0101 Live Horses & Asses Nil Nil Nil Nil
1006 Rice (branded) 2.5% 2.5% 5% 5%
2106 Food preparations 6% 6% 12% 12%
3004 Medicaments 2.5% 2.5% 5% 5%
5208 Woven Cotton Fabrics 2.5% 2.5% 5% 5%
7113 Articles of Jewellery 1.5% 1.5% 3% 5%
8517 Mobile Phones 9% 9% 18% 18%
8703 Motor Cars 14% 14% 28% 28%
9963 Accommodation 6% 6% 12% 12%
9982 Legal Services 9% 9% 18% 18%
9984 IT/Telecom Services 9% 9% 18% 18%
9986 Support Agri Services Nil Nil Nil Nil
⚠️ Always verify rates on the official GST Portal before use. Rates may change per GST Council notifications.

Services Classification

SAC Codes — Service Accounting Codes

SAC codes classify all services under GST. All SAC codes begin with 99. The 3rd & 4th digits denote the service category; 5th & 6th specify the service type.

9954

Construction Services

Works contract, construction of buildings, civil engineering, installation of equipment and machinery.

GST Rate: 5% / 12% / 18%
9961

Wholesale & Retail Trade

Services of dealers and traders in goods including commission agents. Applicable to trade support services.

GST Rate: 18%
9963

Accommodation Services

Hotels, guesthouses, inns, clubs, and similar accommodation services. Rate depends on room tariff.

GST Rate: 12% / 18%
9964

Transport Services

Passenger transport by road, rail, air, and sea. GTA services, courier, freight forwarding.

GST Rate: 5% / 12%
9971

Financial & Insurance Services

Banking, insurance, stock broking, money changing, ATM services, leasing.

GST Rate: 18%
9982

Legal & Accounting

Advocates, chartered accountants, auditors, tax consultants, bookkeeping, and actuarial services.

GST Rate: 18%
9983

Scientific & Technical

R&D services, scientific testing, quality inspection, geophysical surveys, technical consultancy.

GST Rate: 18%
9984

Telecom & IT Services

Internet services, telephone, broadcasting, cloud computing, software development, IT-enabled services.

GST Rate: 18%
9988

Manufacturing Services (Job Work)

Textile job work, printing, food processing for others, metal finishing, and other contract manufacturing.

GST Rate: 5% / 12% / 18%

Getting Started

How to Find Your HSN or SAC Code

Follow these 4 simple steps to identify the correct code for your product or service and stay GST-compliant.

01

Identify: Goods or Services?

HSN codes apply to goods you sell or import/export. SAC codes apply to services you provide. Choose the right tab on the search tool.

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02

Search by Name or Code

Enter a keyword (product/service name) or the HSN/SAC code itself. Our directory returns the best matches instantly.

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03

Confirm Chapter & Heading

Verify the 2-digit chapter, 4-digit heading, and 6/8-digit sub-heading matches your goods. Check the technical description carefully.

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04

Note GST Rate & Use in Invoices

Once confirmed, note the applicable GST rate (CGST + SGST or IGST) and include the HSN/SAC code on all tax invoices and GSTR-1 filings.

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Free Tools

GST Calculators & Utilities

Handy tools to help you with GST calculations, compliance checks, and invoice generation.

🧮

GST Calculator

Enter the base price and GST rate to instantly calculate CGST, SGST, IGST, and the total invoice amount including tax.

Use Calculator →
🔍

HSN Code Finder

Search by product description or keyword to find the exact 4, 6, or 8-digit HSN code for your goods with one-click lookup.

Find HSN Code →
🔧

SAC Code Finder

Identify the correct SAC code for your services. Search by service description, industry, or existing SAC code.

Find SAC Code →
📋

GST Rate Checker

Enter an HSN or SAC code and instantly see the applicable CGST, SGST, and IGST rates with compliance notes.

Check Rate →
📄

Invoice HSN Validator

Verify that the HSN codes on your invoices are valid and correctly formatted for GSTR-1 filing.

Validate Now →
📊

Turnover Threshold Guide

Check whether you need 2-digit, 4-digit, or 8-digit HSN codes based on your annual aggregate turnover.

Check Threshold →

Free Financial Calculators

GST, Tax, SIP & Finance Calculators

Handy calculators to help Indian businesses, investors, and salaried professionals with GST, income tax, SIP returns, EMI, HRA, TDS, PPF, and more — free & updated for FY 2025–26.

🧮 GST Calculator

CGST · SGST · IGST · All Slabs
₹

GST Rate Slabs at a Glance

Nil Fresh vegetables, milk, eggs, education, healthcare.
5% Food grains, medicines, economy hotels, agri inputs.
12% Processed food, business air tickets, computers.
18% IT services, telecom, financial services, insurance.
28% Luxury goods, tobacco, aerated drinks, automobiles.
💡 CGST vs IGST For same-state supply: CGST + SGST each at half the rate. For inter-state / imports: IGST at full rate.

📋 Income Tax Calculator

FY 2025–26 · Old & New Regime
₹

New Regime Slabs — FY 2025–26

Up to ₹3,00,000Nil
₹3L – ₹7L5%
₹7L – ₹10L10%
₹10L – ₹12L15%
₹12L – ₹15L20%
Above ₹15L30%
💡 New vs Old? Choose Old Regime if your deductions (80C + HRA + 80D + home loan) exceed ~₹3.75L. Otherwise New Regime is usually better.

📈 SIP Returns Calculator

Monthly SIP · Future Value Projection
₹
12%
10 yrs

Year-wise Projection

Fill in the form and click Calculate to see year-wise growth.
💡 Power of SIP ₹10,000/month for 20 years at 12% can grow to ~₹99 Lakhs — nearly 5× your investment. Start early!

💼 Mutual Fund Returns

Lump-sum · CAGR · LTCG Tax
₹
12%
10 yrs

Historical Returns (10-Year Avg)

Large12–14% CAGR. Lower risk. Nifty 50 / Sensex-linked.
Mid14–18% CAGR. Moderate risk. Companies ₹5K–20K Cr.
Small16–22% CAGR. High risk + high reward. Long horizon.
ELSS12–15% CAGR. 80C deduction. 3-yr lock-in.
Debt7–10% CAGR. Low risk. Bonds & money market.
💡 LTCG Tax 2024 Budget 2024 raised equity LTCG from 10% to 12.5% for gains above ₹1.25L/year.

🏦 EMI Calculator

Home · Car · Personal · Business Loans
₹
8.5%
20 yrs

Typical Bank Rates (2025)

Home8.5–9.5% p.a. Up to 30 yrs. Max 80% LTV.
Car8–12% p.a. Up to 7 yrs. Up to 85% on-road.
Personal11–24% p.a. No collateral. 1–5 yrs.
Edu9–14% p.a. Moratorium during course.
Business12–18% p.a. Secured or unsecured.
💡 Prepayment For a ₹50L home loan at 9%, prepaying ₹5L in year 3 saves over ₹12L in total interest.

🏠 HRA Exemption Calculator

Section 10(13A) · Old Regime
₹
₹
₹

HRA Exemption — 3 Criteria

C1Actual HRA received from employer.
C250% of Basic (Metro) or 40% of Basic (Non-Metro).
C3Rent paid minus 10% of Basic Salary.
Exemption

Minimum of C1, C2, C3

The lowest of the three criteria is the HRA exemption amount.

💡 PAN of Landlord If monthly rent > ₹8,333 you must provide landlord's PAN to employer to claim full HRA.

🔖 TDS Calculator

Salary · Interest · Rent · Professional Fees
₹
%

Common TDS Rates (FY 2025–26)

192Salary — as per individual income tax slab.
194ABank interest / FD — 10%. Threshold ₹40K (₹50K seniors).
194CContractor — 1% (individual), 2% (company).
194HCommission / Brokerage — 5%.
194IRent of land/building — 10%.
194JProfessional / Technical fees — 10%.
No PAN20% or double rate, whichever is higher — Sec 206AA.

📊 Compound Interest Calculator

FD · NSC · Bonds · Savings
₹
%

Popular FD / Savings Rates (2025)

SBI FD1–3 years: ~6.8%. Senior citizens: +0.5%.
HDFC FD1–3 years: ~7.0%.
Post OfficeTerm Deposit (1–5 yr): 6.9%–7.5%.
NSC5-year: 7.7% (compounded annually).
PPF15-year: 7.1% (tax-free maturity).
💡 FD Tax FD interest is fully taxable. TDS @10% if interest exceeds ₹40K/year (₹50K for seniors). Submit Form 15G/15H to avoid TDS.

🏛️ PPF Calculator

EEE — Fully Tax-Free · 80C Deduction
₹
%
15 yrs

PPF Key Facts

Lock-in15 years mandatory. Extensions in 5-yr blocks.
Min / Max₹500 minimum, ₹1,50,000 maximum per year.
TaxEEE — Contribution (80C), Interest & Maturity all exempt.
LoanLoan against PPF available from year 3 to year 6.
WithdrawPartial withdrawal from year 7 (up to 50% of balance).
💡 Deposit Early Deposit before April 5 to earn interest from April 1. Late deposits can cost ₹500–2,000/year in lost interest on ₹1.5L.

🎁 Gratuity Calculator

Payment of Gratuity Act, 1972
₹

Gratuity Formula

Gratuity
(Basic+DA) × 15 × Years ÷ 26
Eligible5+ years continuous service (4 yrs 240 days counts).
ExemptUp to ₹20 Lakhs is fully tax-free under Section 10(10).
TimelineEmployer must pay within 30 days of separation.
DeathPayable to nominee even before 5-year eligibility.

FAQs

Common Questions About HSN & SAC Codes

HSN (Harmonized System of Nomenclature) codes are used to classify goods for GST purposes. SAC (Services Accounting Code) codes classify services. HSN codes are assigned by the World Customs Organization and are 6–8 digits. SAC codes always start with 99 and are 6 digits.
Yes, from 1st April 2021 it is mandatory. Businesses with turnover below ₹1.5 Cr: optional. Between ₹1.5–5 Cr: 4-digit HSN required. Above ₹5 Cr: 6-digit HSN required. For exports/imports: 8-digit HSN is always mandatory.
HSN codes can be 2, 4, 6, or 8 digits. The 2-digit chapter, 4-digit heading, 6-digit sub-heading, and 8-digit tariff item. India uses 8-digit codes, of which the last 2 digits are India-specific.
Using an incorrect HSN code can lead to GST notices, penalties under Section 122 of the CGST Act, incorrect ITC claims, and mismatch in GSTR-2B reconciliation. Always verify codes before use.
The official GST Portal (services.gst.gov.in → User Services → Search HSN Code) is the authoritative source. You can also refer to the Customs Tariff Act, 1975 for goods, and the CBIC notifications for services.
The SAC code structure remains the same. However, GST rates for certain services have been rationalized following the 56th GST Council meeting (Sept 2025). Always check the latest CBIC notifications for updated rates.

📖 Quick Glossary

HSN Harmonized System of Nomenclature. International 6-digit code for classifying goods in trade. India extends it to 8 digits.
SAC Services Accounting Code. 6-digit code starting with 99 used to classify services under India's GST regime.
CGST Central GST — collected by the Central Government on intra-state supplies of goods and services.
SGST State GST — collected by the State Government on intra-state supplies alongside CGST.
IGST Integrated GST — levied on inter-state supplies and imports. Divided between Centre and States.
ITC Input Tax Credit. Tax paid on purchases that can be offset against GST payable on sales.
GSTR-1 Monthly/quarterly return for outward supplies. HSN/SAC codes must be reported here.
UQC Unit Quantity Code. Standardized unit of measurement (kg, ltr, nos, etc.) required on tax invoices.
AATO Aggregate Annual Turnover. Determines HSN digit requirement and composition eligibility.
WCO World Customs Organization. Maintains the global HSN system, updated every 5 years.

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