--- title: "Insulation Services | Professional Insulation Solutions" description: "Expert insulation services covering compliant, reliable, and high-quality solutions tailored to your needs. SAC Code 995465." canonical: "https://busy.in/sac-code-995465/" --- # Insulation under SAC Code 995465 Part of [SAC 9954: Services in building & construction](https://busy.in/sac-code-9954/). Thermal insulation services cover installing insulation on roofs, walls, ducts, pipes and equipment to control temperature loss or gain. Service providers fit insulation materials, vapour barriers and jackets so that buildings and systems become more energy efficient. Under GST, this work is classified under SAC 995465. The SAC code and its GST rate decide how much GST is charged and how the value is recorded in [**GST returns**](https://busy.in/gst/gst-returns/) . This helps cut energy bills and makes buildings and systems more comfortable. ## 995465 SAC Code GST rate Thermal insulation services, including home insulation and pipe insulation services, are treated as works contract or construction related services under GST. Earlier, different ways of clubbing insulation with HVAC or construction sometimes produced different effective tax outcomes for similar projects, which made costing and tax planning harder for contractors and clients. After the September 2025 rationalisation, most thermal insulation services under SAC 995465 generally fall in the 18% slab with [**input tax credit**](https://busy.in/gst/input-tax-credit/) . This standard rate applies where insulation is supplied and installed as part of a works contract, unless a specific notification grants concessional treatment for a particular energy efficiency or public scheme. **The table below shows the latest standard GST rate for SAC code 995465.** | SAC code | Description | New GST rate (from 22 Sep 2025) | Old GST rate (till 21 Sep 2025) | Notes | | --- | --- | --- | --- | --- | | 995465 | Insulation services | 18% with ITC | 18% with ITC | Thermal and acoustic insulation works form part of building completion services. Updated construction service compilations show such completion services at 18 percent GST, with no distinct post 22 September 2025 change for this SAC. | When issuing invoices for services under SAC 995465, contractors should clearly show the taxable value and 18% GST so that eligible clients can claim input tax credit wherever permitted. The same SAC code and rate should also be used consistently in GSTR 1 and [**GSTR 3B**](https://busy.in/gst/a-guide-to-gstr-3b-what-is-gstr-3b/) while reporting the tax liability on thermal insulation services. ## Practical classification guidance In day to day use, businesses should pick the SAC code that best reflects the main nature of the contract. If the work is more focused on full building construction, general infrastructure or specialised repair, another SAC within 9954 may be more suitable. Correct SAC selection and GST rate application help reduce future disputes, support a clean input tax credit trail and make GST records easier to justify during audits or departmental checks. ## Conclusion Thermal insulation services under SAC 995465 cover installing insulation on roofs, walls, ducts, pipes and equipment to control heat loss or gain. These services are now generally taxed at 18% with input tax credit after the September 2025 changes. Contractors and users should check that such projects are correctly classified under this [**SAC code**](https://busy.in/sac-codes/) , apply the proper GST rate on every invoice and keep the same classification in GST returns. For large energy saving projects, it is wise to review the latest GST rules and take professional advice. ## Frequently asked questions ### Which services come under SAC code 995465? This code covers insulation services. It includes thermal, acoustic and vibration insulation for pipes, ducts, walls, roofs and equipment in buildings or plants, often using materials like mineral wool, foam or specialised boards. ### Does SAC 995465 cover thermal, pipe and home insulation work? Yes. Insulating hot and cold pipes, ducts, storage tanks, roofs and walls to control temperature or noise can be classified under 995465. It applies to both industrial insulation and building insulation works. ### What GST rate applies to insulation services under SAC 995465? Insulation services under 995465 generally attract 18% GST with ITC, like other installation and special trade services listed in the construction chapter. ### Should roof and wall insulation jobs use SAC 995465 on invoices? Yes. When insulation is the main job, contractors should use 995465 even if it is only roof or wall insulation. This keeps classification clear and separate from pure civil construction or simple interior finishing codes. ### Is ITC allowed on GST paid for SAC 995465 services? Contractors can claim ITC on insulation materials and labour for taxable projects. Recipients can claim ITC when insulation improves premises used for taxable business, such as cold storage or offices. For purely personal residential use, ITC on such expenses is not allowed. ## Explore more ### Other SAC services under 9954 - [995411: Apartment Construction](https://busy.in/sac-code-995411/) - [995412: Shelter Construction](https://busy.in/sac-code-995412/) - [995413: Industrial Building Construction](https://busy.in/sac-code-995413/) - [995414: Commercial Building Construction](https://busy.in/sac-code-995414/) - [995415: Non Residential Building](https://busy.in/sac-code-995415/) - [995416: Church Construction](https://busy.in/sac-code-995416/) - [995419: Property Maintenance](https://busy.in/sac-code-995419/) - [995421: Road Construction](https://busy.in/sac-code-995421/) - [995422: Irrigation Infrastructure](https://busy.in/sac-code-995422/) - [995423: Pipeline Construction](https://busy.in/sac-code-995423/) - [995424: Cable Laying](https://busy.in/sac-code-995424/) - [995425: Industrial Plant Construction](https://busy.in/sac-code-995425/) - [995426: Power Plant Construction](https://busy.in/sac-code-995426/) - [995427: Sports Facility Construction](https://busy.in/sac-code-995427/) - [995428: Dam Construction](https://busy.in/sac-code-995428/) - [995429: Construction Maintenance](https://busy.in/sac-code-995429/) - [995431: Structural Demolition](https://busy.in/sac-code-995431/) - [995432: Site Preparation](https://busy.in/sac-code-995432/) - [995433: Excavation](https://busy.in/sac-code-995433/) - [995434: Septic System Installation](https://busy.in/sac-code-995434/) - [995435: Land Clearing](https://busy.in/sac-code-995435/) - [995439: Repair](https://busy.in/sac-code-995439/) - [995441: Prefabricated Buildings](https://busy.in/sac-code-995441/) - [995442: Prefabricated Structures](https://busy.in/sac-code-995442/) - [995443: Street Furniture Installation](https://busy.in/sac-code-995443/) - [995444: Construction Assembly](https://busy.in/sac-code-995444/) - [995449: Building Alteration](https://busy.in/sac-code-995449/) - [995451: Pile Driving](https://busy.in/sac-code-995451/) - [995452: Roof Framing Construction](https://busy.in/sac-code-995452/) - [995453: Waterproofing](https://busy.in/sac-code-995453/) - [995454: Concrete](https://busy.in/sac-code-995454/) - [995455: Structural Steel Erection](https://busy.in/sac-code-995455/) - [995456: Masonry](https://busy.in/sac-code-995456/) - [995457: Scaffolding](https://busy.in/sac-code-995457/) - [995458: Special Trade Construction](https://busy.in/sac-code-995458/) - [995459: Building Repair And Maintenance](https://busy.in/sac-code-995459/) - [995461: Electrical Installation](https://busy.in/sac-code-995461/) - [995462: Water Plumbing](https://busy.in/sac-code-995462/) - [995463: Hvac Installation](https://busy.in/sac-code-995463/) - [995464: Gas Fitting Installation](https://busy.in/sac-code-995464/) - [995466: Lift And Escalator, Elevator Installation](https://busy.in/sac-code-995466/) - [995468: Installation](https://busy.in/sac-code-995468/) - [995469: Repair And Maintenance](https://busy.in/sac-code-995469/) - [995471: Glazing](https://busy.in/sac-code-995471/) - [995472: Plastering](https://busy.in/sac-code-995472/) - [995473: Painting](https://busy.in/sac-code-995473/) - [995474: Floor Wall Tiling](https://busy.in/sac-code-995474/) - [995476: Carpentry](https://busy.in/sac-code-995476/) - [995477: Railing](https://busy.in/sac-code-995477/) - [995478: Building Completion](https://busy.in/sac-code-995478/) - [995479: Maintenance](https://busy.in/sac-code-995479/) ### All SAC headings - [99: All Services Accounting](https://busy.in/sac-code-99/) - [9954: Services in building & construction](https://busy.in/sac-code-9954/) - [9961: Services in wholesale trade](https://busy.in/sac-code-9961/) - [9962: Services in retail trade](https://busy.in/sac-code-9962/) - [9963: Accommodation, food & beverage services](https://busy.in/sac-code-9963/) - [9964: Passenger transport services](https://busy.in/sac-code-9964/) - [9965: Goods transport services](https://busy.in/sac-code-9965/) - [9966: Rental services of transport vehicles](https://busy.in/sac-code-9966/) - [9967: Supporting services in transport](https://busy.in/sac-code-9967/) - [9968: Postal & courier services](https://busy.in/sac-code-9968/) - [9969: Electricity, gas & water supply services](https://busy.in/sac-code-9969/) - [9971: Financial & related services](https://busy.in/sac-code-9971/) - [9972: Real estate services](https://busy.in/sac-code-9972/) - [9973: Leasing or rental services](https://busy.in/sac-code-9973/) - [9981: Research & development services](https://busy.in/sac-code-9981/) - [9982: Legal & accounting services](https://busy.in/sac-code-9982/) - [9983: Professional, technical & business services](https://busy.in/sac-code-9983/) - [9984: Telecommunications & broadcasting supply services](https://busy.in/sac-code-9984/) - [9985: Support services to business](https://busy.in/sac-code-9985/) - [9986: Support services to agriculture, hunting, forestry & more](https://busy.in/sac-code-9986/) - [9987: Maintenance, repair & installation services](https://busy.in/sac-code-9987/) - [9988: Manufacturing services on physical inputs](https://busy.in/sac-code-9988/) - [9989: Services in publishing, printing & bookbinding](https://busy.in/sac-code-9989/) - [9991: Public administration & other services](https://busy.in/sac-code-9991/) - [9992: Education services](https://busy.in/sac-code-9992/) - [9993: Human health & social care services](https://busy.in/sac-code-9993/) - [9994: Sewage & waste collection](https://busy.in/sac-code-9994/) - [9995: Services of membership organizations](https://busy.in/sac-code-9995/) - [9996: Recreational, cultural & sporting services](https://busy.in/sac-code-9996/) - [9997: Other Services](https://busy.in/sac-code-9997/)