Chapter 32: Costing Methods

📚 JAIIB 2026 • AFM • Module D • Chapter 4 of 7 • Unit 32

Costing Methods — In Detail
(Job, Process, Contract, Batch, Service — How Different Industries Find Their Costs!)

A ship builder uses Job Costing. An oil refinery uses Process Costing. A construction company uses Contract Costing. A hospital uses Service Costing. This chapter covers each method in detail — with process losses, equivalent units, joint products, by-products, escalation clauses, and retention money.

⏱ 24 min read🎯 Practical Application⚡ 14 Flash Cards

Banky Learns: Different Industries, Different Costing! 🏗️🏭⛽

When a borrower submits a project report, the bank checks the cost estimates. Are they realistic? This chapter teaches Banky how different industries calculate their costs — so he can verify borrower claims!

“Sir, the construction company says the bridge will cost ₹50 crore. How do I check?” — “Contract costing! Check their cost sheet, escalation clause, and retention money terms!” 🏗️
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Section 1 of 9

All Costing Methods — Detailed

📖 Part 1 — Unit/Output Costing + Job Costing + Contract Costing

Unit/Single-Output: Total cost ÷ units = cost per unit. For single product, continuous manufacture, identical units. Industries: brick, cement, sugar, mining. Cost sheet records material + labour + direct expenses + admin. Does NOT include: taxes, interest, dividends, provisions, P&L on asset sale.

Job Costing: Each job = unique. Costing done per job. Job Cost Card records materials, labour, overheads, time. Industries: ship building, construction, repair shops, garages. Direct costs collected first, then fixed overheads allocated at pre-decided %.

Contract Costing: Like job costing but for LARGE, LONG (>1 year) projects. Separate account per contract. Most costs = direct. Features: Progress Payments (periodic based on certified completion), Retention Money (customer keeps some as security for quality), Escalation Clause (price adjusted if input costs change), Penalty Clause (for delays). Types: Fixed price, Cost-plus, Time & material. Profit on incomplete contracts: (Cost done ÷ Total estimated cost) × Estimated profit = cumulative profit to date.

🧑‍💼 Banky: “Job = one ship. Contract = one bridge (bigger + longer!). Escalation clause = protection against price rise. Retention = quality guarantee deposit!” 🏗️

📋 Part 2 — Process Costing (Normal/Abnormal Loss, Joint/By-Products)

Process Costing: Continuous mass production of similar products. Output of one process = input of next. Each unit = same cost. Industries: oil refinery, chemicals, food, textiles, paper, brewing.

Normal Loss: Inherent, unavoidable (evaporation, scrap). Cost per unit = (Total Cost − Scrap value) ÷ (Input − Normal loss). Allocated to good output.

Abnormal Loss: Beyond normal — theft, breakdown, negligence. Value = (Total Cost − Normal scrap) ÷ (Input − Normal loss) × Abnormal units. Written off to P&L (NOT added to product cost!).

Abnormal Gain: Actual loss < expected normal loss. Gain value calculated similarly. Taken to P&L.

Equivalent Units: WIP at 50% completion: 60 units = 30 equivalent finished units. Formula: Actual WIP units × % completion.

Joint Products: Multiple main products from one process (petrol, diesel, LPG from crude). Costs allocated by volume/weight up to split point. After split = separate costing.

By-Products: Low value, incidental product (coal tar from refinery). Pre-split cost NOT allocated. Net revenue from by-product reduces main product cost.

🧑‍💼 Banky: “Normal loss = expected (part of cost). Abnormal = unexpected (write off to P&L!). Joint = multiple MAIN products. By-product = small incidental product!” ⛽

🏭 Part 3 — Batch, Service & Multiple Costing

Batch Costing: Group of identical items = one batch = one job. Total batch cost ÷ units in batch = cost per unit. Industries: pharma, garments, toys, tyres. Combines elements of job + process costing.

Service Costing (Operating Costing): For services, not goods. Total cost over period ÷ units of service = cost per unit. Cost unit must match service (kWh for electricity, km for transport, operation for hospital). Features: internal (canteen) or external (hospital). CIMA definition used.

Multiple/Composite Costing: Complex products with many components (aircraft, cars). Uses multiple methods combined. No single method sufficient.

Cement company: does NOT use service costing (it produces GOODS, not services!). Uses unit/output costing.

🧑‍💼 Banky: “Batch = 100 identical chairs = one job. Service = hospital per operation. Multiple = aircraft = many methods combined!” 🏥✈️
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Section 2 of 9

Exam-Ready Points

🎯 Must Remember!

  • Non-manufacturing overheads = NOT a direct cost! Materials, labour, manufacturing overheads = direct.
  • Petroleum refinery = uses PROCESS costing (not hotel, not ship, not construction!).
  • Escalation clause = part of CONTRACTS (not jobs, not hospitals, not process industry).
  • Cost unit examples: kWh, Barrel, Metric ton — ALL of the above.
  • Cement company = NOT likely to use service costing (it makes goods!). Uses unit/output costing.
  • Normal loss: Included in product cost. Abnormal loss: Written off to P&L, NOT product cost.
  • Joint products: Allocated costs up to split point by volume/weight. After split = separate.
  • By-products: Pre-split cost NOT allocated. Net revenue reduces main product cost.
  • Equivalent units: WIP × % completion. Used for WIP valuation in process costing.
  • Contract profit on incomplete: (Cost done ÷ Total estimated) × Estimated profit = cumulative to date.
  • Retention money: Customer keeps as quality guarantee. Returned after completion.

📝 Past Exam Questions

Q: Which is NOT a direct cost?
A: Non-manufacturing overheads.
Q: Which uses process costing?
A: Petroleum refinery.
Q: Escalation clause is part of?
A: Contracts.
Q: Cost units include?
A: All — kWh, Barrel, Metric ton.
Q: Who does NOT use service costing?
A: Cement company (produces goods, not services!).
Section 3 of 9

Last-Minute Flash Cards

Unit/Output Costing
Total cost ÷ units = cost per unit
Single product. Continuous. Brick, cement, sugar, mining.
Job Costing
Each job = unique = separate costing
Ship, construction, garage, repair. Job Cost Card records all.
Contract Costing
Large + Long (>1 yr) projects
Progress payments, retention money, escalation clause, penalty clause.
Process Costing
Continuous mass production | Output of one = input of next
Refinery, chemicals, food, textiles. 3 types: Weighted avg, Standard, FIFO.
Normal Loss
Expected, unavoidable → included in PRODUCT cost
Cost per unit = (Total − Scrap) ÷ (Input − Normal loss).
Abnormal Loss
Unexpected → written off to P&L (NOT product cost!)
Theft, breakdown, negligence. Calculated at normal cost per unit.
Equivalent Units
WIP × % completion = equivalent finished units
60 units at 50% = 30 equivalent. Used for WIP valuation.
Joint Products
Multiple MAIN products from one process
Petrol + Diesel + LPG from crude. Cost allocated by volume up to split point.
By-Products
Low value, incidental product (coal tar)
Pre-split cost NOT allocated. Net revenue reduces main product cost.
Batch Costing
Group of identical items = one batch
Batch cost ÷ units = per unit. Pharma, garments, toys, tyres.
Service Costing
Services not goods | Cost ÷ service units
kWh (electricity), km (transport), operation (hospital). NOT cement!
Cost Sheet Excludes
Taxes, interest, dividends, provisions, P&L on assets
Only production costs included. Non-production items excluded.

⚡ Module D • Chapter 4 (Unit 32) Done!

  • 2 Broad categories: Job costing (unique) vs Process costing (continuous).
  • Contract: Large + long. Progress payments, retention, escalation. Profit on incomplete = proportional.
  • Process: Normal loss = product cost. Abnormal = P&L. Equivalent units for WIP.
  • Joint products: Cost by volume to split point. By-products: net revenue reduces main cost.
  • Service: For services (hospital, transport). NOT cement. Batch = identical group as one job.

Banky says: “Job = unique! Process = continuous! Normal loss = in cost! Abnormal = P&L! Escalation = contracts! Cement ≠ service costing!” 🎉🏗️🏭

Next: Chapter 33 — Standard Costing! 💪

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