A Complete List of Business and Profession Codes

TABLE OF CONTENT

Business and profession codes are an integral part of Income Tax Return (ITR) filing in India. Income tax business code helps in correctly identifying and reporting the nature of your profession or business. There is a unique ITR business code for varied professions.

You must choose the correct business code that aligns well with your economic activity. This ensures error-free tax assessment and compliance with regulatory requirements.

Key highlights:

The income tax department has laid down specific business and profession codes.
These business and profession codes are unique for different types of businesses and professions.
Business and profession codes are used in income tax returns to identify the type of business or profession whose tax is being filed.
You can find your business and profession code and mention the same when filing your returns.

List of business and profession codes for Financial Year 2024-25

Listed below is the business and profession code list categorised by sector and sub-sector, frequently utilised in ITR forms in India. These codes are for the financial year (FY) 2024-25.

Business and profession codes for ITR forms for FY 2024-25

Sector	Sub-Sector	Code
Agriculture, Animal Husbandry and Forestry	Growing and manufacturing of tea	1001
	Growing and manufacturing of coffee	1002
	Growing and manufacturing of rubber	1003
	Market gardening and horticulture specialities	1004
	Raising of silkworms and production of silk	1005
	Raising of bees and production of honey	1006
	Raising of poultry and production of eggs	1007
	Rearing of sheep and production of wool	1008
	Rearing of animals and production of animal products	1009
	Agricultural and animal husbandry services	1010
	Soil conservation, soil testing and soil desalination services	1011
	Hunting, trapping and game propagation services	1012
	Growing of timber, plantation, operation of tree nurseries and conserving of forest	1013
	Gathering of tendu leaves	1014
	Gathering of other wild growing materials	1015
	Forestry service activities, timber cruising, afforestation, and restoration	1016
	Logging service activities, transport of logs within the forest	1017
	Other agriculture, animal husbandry or forestry activity n.e.c.	1018
Fish Farming	Fishing on a commercial basis in inland waters	2001
	Fishing on a commercial basis in the ocean and coastal areas	2002
	Fish farming	2003
	Gathering of marine materials such as natural pearls, sponges, coral, etc.	2004
	Services related to marine and freshwater fisheries, fish hatcheries and fish farms	2005
	Other fish farming activity	2006
Mining and Quarrying	Mining and agglomeration of hard coal	3001
	Mining and agglomeration of lignite	3002
	Extraction and agglomeration of peat	3003
	Extraction of crude petroleum and natural gas	3004
	Service activities incidental to oil and gas extraction, excluding surveying	3005
	Mining of uranium and thorium ores	3006
	Mining of iron ores	3007
	Mining of non-ferrous metal ores, except uranium and thorium ores	3008
	Mining of gemstones	3009
	Mining of chemical and fertiliser minerals	3010
	Mining of quarrying of abrasive materials	3011
	Mining of mica, graphite and asbestos	3012
	Quarrying of stones (marble/granite/dolomite), sand and clay	3013
	Other mining and quarrying	3014
	Mining and production of salt	3015
	Other mining and quarrying	3016
Manufacturing	Production, processing and preservation of meat and meat products	4001
	Production, processing and preservation of fish and fish products	4002
	Manufacture of vegetable oil, animal oil and fats	4003
	Processing of fruits, vegetables and edible nuts	4004
	Manufacture of dairy products	4005
	Manufacture of sugar	4006
	Manufacture of cocoa, chocolates and sugar confectionery	4007
	Flour milling	4008
	Rice milling	4009
	Dal milling	4010
	Manufacture of other grain mill products	4011
	Manufacture of bakery products	4012
	Manufacture of starch products	4013
	Manufacture of animal feeds	4014
	Manufacture of other food products	4015
	Manufacturing of wines	4016
	Manufacture of beer	4017
	Manufacture of malt liquors	4018
	Distilling and blending of spirits, production of ethyl alcohol	4019
	Manufacture of mineral water	4020
	Manufacture of soft drinks	4021
	Manufacture of other non-alcoholic beverages	4022
	Manufacture of tobacco products	4023
	Manufacture of textiles (other than by handloom)	4024
	Manufacture of textiles using handlooms (khadi)	4025
	Manufacture of carpet, rugs, blankets, shawls, etc. (other than by hand)	4026
	Manufacture of carpet, rugs, blankets, shawls etc. by hand	4027
	Manufacture of apparel	4028
	Tanning and dressing of leather	4029
	Manufacture of luggage, handbags and the like saddler and harness	4030
	Manufacture of footwear	4031
	Manufacture of wood and wood products, cork, straw and plaiting material	4032
	Manufacture of paper and paper products	4033
	Publishing, printing and reproduction of recorded media	4034
	Manufacture of coke oven products	4035
	Manufacture of refined petroleum products	4036
	Processing of nuclear fuel	4037
	Manufacture of fertilisers and nitrogen compounds	4038
	Manufacture of plastics in primary forms and synthetic rubber	4039
	Manufacture of paints, varnishes and similar coatings	4040
	Manufacture of pharmaceuticals, medicinal chemicals and botanical products	4041
	Manufacture of soap and detergents	4042
	Manufacture of other chemical products	4043
	Manufacture of man-made fibres	4044
	Manufacture of rubber products	4045
	Manufacture of plastic products	4046
	Manufacture of glass and glass products	4047
	Manufacture of cement, lime and plaster	4048
	Manufacture of articles of concrete, cement and plaster	4049
	Manufacture of Bricks	4050
	Manufacture of other clay and ceramic products	4051
	Manufacture of other non-metallic mineral products	4052
	Manufacture of pig iron, sponge iron, Direct Reduced Iron, etc.	4053
	Manufacture of Ferroalloys	4054
	Manufacture of ingots, billets, blooms, slabs, etc.	4055
	Manufacture of steel products	4056
	Manufacture of basic precious and nonferrous metals	4057
	Manufacture of non-metallic mineral products	4058
	Casting of metals	4059
	Manufacture of fabricated metal products	4060
	Manufacture of engines and turbines	4061
	Manufacture of pumps and compressors	4062
	Manufacture of bearings and gears	4063
	Manufacture of ovens and furnaces	4064
Manufacture of lifting and handling equipment	4065
Manufacture of other general-purpose machinery	4066
Manufacture of agricultural and forestry machinery	4067
Manufacture of Machine Tools	4068
Manufacture of machinery for metallurgy	4069
Manufacture of machinery for mining, quarrying and construction	4070
Manufacture of machinery for processing of food and beverages	4071
Manufacture of machinery for leather and textile	4072
Manufacture of weapons and ammunition	4073
Manufacture of other special-purpose machinery	4074
Manufacture of domestic appliances	4075
Manufacture of office, accounting and computing machinery	4076
Manufacture of electrical machinery and apparatus	4077
Manufacture of Radio, Television, communication equipment and apparatus	4078
Manufacture of medical and surgical equipment	4079
Manufacture of industrial process control equipment	4080
Manufacture of instruments and appliances for measurements and navigation	4081
Manufacture of optical instruments	4082
Manufacture of watches and clocks	4083
Manufacture of motor vehicles	4084
Manufacture of the body of motor vehicles	4085
Manufacture of parts & accessories for motor vehicles & engines	4086
Building & repair of ships and boats	4087
Manufacture of railway locomotives and rolling stocks	4088
Manufacture of aircraft and spacecraft	4089
Manufacture of bicycles	4090
Manufacture of other transport equipment	4091
Manufacture of furniture	4092
Manufacture of jewellery	4093
Manufacture of sports goods	4094
Manufacture of musical instruments	4095
Manufacture of games and toys	4096
Other manufacturing n.e.c.	4097
Recycling of metal waste and scrap	4098
Recycling of non-metal waste and scrap	4099
Electricity, Gas and Water	Production, collection and distribution of electricity	5001
	Manufacture and distribution of gas	5002
	Collection, purification and distribution of water	5003
	Other essential commodity service n.e.c.	5004
Construction	Site preparation works	6001
	Building of complete constructions or parts-	6002
	civil contractors
	Building installation	6003
	Building completion	6004
	Construction and maintenance of roads, rails, bridges, tunnels, ports, harbour, runways etc.	6005
	Construction and maintenance of power plants	6006
	Construction and maintenance of industrial plants	6007
	Construction and maintenance of power transmission and telecommunication lines	6008
	Construction of waterways and water reservoirs	6009
	Other construction activity n.e.c.	6010
Real Estate and Renting Service	Purchase, sale and letting of leased buildings (residential and non-residential)	7001
	Operating of real estate of self-owned buildings (residential and non-residential)	7002
	Developing and sub-dividing real estate into lots	7003
	Real estate activities on a fee or contract basis	7004
	Other real estate/renting services n.e.c.	7005
Renting of Machinery	Renting of land transport equipment	8001
	Renting of water transport equipment	8002
	Renting of air transport equipment	8003
	Renting of agricultural machinery and equipment	8004
	Renting of construction and civil engineering machinery	8005
	Renting of office machinery and equipment	8006
	Renting of other machinery and equipment n.e.c.	8007
	Renting of personal and household goods n.e.c.	8008
	Renting of other machinery n.e.c.	8009
Wholesale And Retail Trade	Wholesale and retail sale of motor vehicles	9001
	Repair and maintenance of motor vehicles	9002
	Sale of motor parts and accessories- wholesale and retail	9003
	Retail sale of automotive fuel	9004
	General commission agents, commodity brokers and auctioneers	9005
	Wholesale of agricultural raw material	9006
	Wholesale of food & beverages and tobacco	9007
	Wholesale of household goods	9008
	Wholesale of metals and metal ores	9009
	Wholesale of household goods	9010
	Wholesale of construction material	9011
	Wholesale of hardware and sanitary fittings	9012
	Wholesale of cotton and jute	9013
	Wholesale of raw wool and raw silk	9014
	Wholesale of other textile fibres	9015
	Wholesale of industrial chemicals	9016
	Wholesale of fertilisers and pesticides	9017
	Wholesale of electronic parts & equipment	9018
	Wholesale of other machinery, equipment and supplies	9019
	Wholesale of waste, scrap & materials for recycling	9020
	Retail sale of food, beverages and tobacco in specialised stores	9021
	Retail sale of other goods in specialised stores	9022
	Retail sales in non-specialised stores	9023
	Retail sale of textiles, apparel, footwear, leather goods	9024
Hotels, Restaurants and Hospitality Services	Hotels – Star rated	10001
	Hotels – non-star rated	10002
	Motels, Inns and Dharmshalas	10003
	Guest houses and circuit houses	10004
	"Dormitories and hostels at educational institutions"	10005
	Short stay accommodations n.e.c.	10006
	Restaurants – with bars	10007
	Restaurants – without bars	10008
	Canteens	10009
	Independent caterers	10010
	Casinos and other games of chance	10011
	Other hospitality services n.e.c.	10012
Transport and Logistic Services	Travel agencies and tour operators	11001
	Packers and movers	11002
	Passenger land transport	11003
	Air transport	11004
	Transport by urban/sub-urban railways	11005
	Inland water transport	11006
	Sea and coastal water transport	11007
	Freight transport by road	11008
	Freight transport by railways	11009
	Forwarding of freight	11010
	Receiving and acceptance of freight	11011
	Cargo handling	11012
	Storage and warehousing	11013
	"Transport via pipelines (transport of gases, liquids, slurry and other commodities)"	11014
	Other Transport & Logistic services n.e.c.	11015
Post And Telecommunication Services	Post and courier activities	12001
	Basic telecom services	12002
	Value-added telecom services	12003
	Maintenance of telecom network	12004
	Activities of the cable operators	12005
	Other Post & Telecommunication services n.e.c.	12006
Financial Intermediation Services	Commercial banks, saving banks and discount houses	13001
	Specialised institutions granting credit	13002
	Financial leasing	13003
	Hire-purchase financing	13004
	Housing finance activities	13005
	Commercial loan activities	13006
	Credit cards	13007
	Mutual funds	13008
	Chit fund	13009
	Investment activities	13010
	Life insurance	13011
	Pension funding	13012
	Non-life insurance	13013
	Administration of financial markets	13014
	Stockbrokers, sub-brokers and related activities	13015
	Financial advisers, mortgage advisers and brokers	13016
	Foreign exchange services	13017
	Other financial intermediation services n.e.c.	13018
Computer And Related Services	Software development	14001
	Other software consultancy	14002
	Data processing	14003
	Database activities and distribution of electronic content	14004
	Other IT-enabled services	14005
	BPO services	14006
	Cyber café	14007
	Maintenance and repair of office, accounting and computing machinery	14008
	Computer training and educational institutes	14009
	Other computation related services n.e.c.	14010
Research And Development	Natural sciences and engineering	15001
	Social sciences and humanities	15002
	Other Research & Development activities n.e.c.	15003
Professions	Legal profession	16001
	Accounting, book-keeping and auditing profession	16002
	Tax consultancy	16003
	Architectural profession	16004
	Engineering and technical consultancy	16005
	Advertising	16006
	Fashion Designing	16007
	Interior decoration	16008
	Photography	16009
	Auctioneers	16010
	Business Brokerage	16011
	Market research and public opinion polling	16012
	Business and management consultancy activities	16013
	Labour recruitment and provision of personnel	16014
	Investigation and security services	16015
	Building-cleaning and industrial cleaning activities	16016
	Packaging activities	16017
	Secretarial activities	16018
	Medical Profession	16019_1
	Film Artist	16020
	Other professional services n.e.c.	16019
Education Services	Primary education	17001
	Secondary/ senior secondary education	17002
	Technical and vocational secondary/ senior secondary education	17003
	Higher education	17004
	Education by correspondence	17005
	Coaching centres and tuition	17006
	Other education services n.e.c.	17007
Health Care Services	General hospitals	18001
	Speciality and super-speciality hospitals	18002
	Nursing homes	18003
	Diagnostic centres	18004
	Pathological laboratories	18005
	Independent blood banks	18006
	Medical transcription	18007
	Independent ambulance services	18008
	Medical suppliers, agencies and stores	18009
	Medical clinics	18010
	Dental practice	18011
	Ayurveda practice	18012
	Unani practice	18013
	Homeopathy practice	18014
	Nurses, physiotherapists or other paramedical practitioners	18015
	Veterinary hospitals and practice	18016
	Medical education	18017
	Medical research	18018
	The practice of other alternative medicine	18019
	Other healthcare services	18020
Social And Community Work	Social work activities with accommodation (orphanages and old age homes)	19001
	Social work activities without accommodation (Creches)	19002
	Industry associations, chambers of commerce	19003
	Professional organisations	19004
	Trade unions	19005
	Religious organisations	19006
	Political organisations	19007
	Other membership organisations n.e.c. (rotary clubs, book clubs and philatelic clubs)	19008
	Other Social or community service n.e.c.	19009
Culture And Sport	Motion picture production	20001
	Film distribution	20002
	Film laboratories	20003
	Television channel productions	20004
	Television channels broadcast	20005
	Video production and distribution	20006
	Sound recording studios	20007
	Radio - recording and distribution	20008
	Stage production and related activities	20009
	Individual artists, excluding authors	20010
	Literary activities	20011
	Other cultural activities n.e.c.	20012
	Circuses and race tracks	20013
	Video Parlours	20014
	News agency activities	20015
	Library and archives activities	20016
	Museum activities	20017
	Preservation of historical sites and buildings	20018
	Botanical and zoological gardens	20019
	Operation and maintenance of sports facilities	20020
	Activities of sports and game schools	20021
	Organisation and operation of indoor/outdoor sports and promotion and production of sporting events	20022
	Sports Management	20023_1
	Other sporting activities n.e.c.	20023
	Other recreational activities n.e.c.	20024
Other Services	Hairdressing and other beauty treatment	21001
	Funeral and related activities	21002
	Marriage bureaus	21003
	Pet care services	21004
	Sauna and steam baths, massage salons etc.	21005
	Astrological and spiritualists’ activities	21006
	Private households as employers of domestic staff	21007
	Event Management	21008_1
	Other services n.e.c.	21008
Extra-Territorial Organisations and Bodies	Extra-territorial organisations and bodies (IMF, World Bank, European Commission, etc.)	22001
Co-Operative Society Activities	Banking/Credit Facilities to its members	23001
	Cottage Industry	23002
	Marketing of Agricultural produce grown by its members	23003
	Purchase of Agricultural Implements, seeds, livestock or other articles intended for agriculture for the purpose of supplying to its members.	23004
	Processing, without the aid of power, of the agricultural Produce of its members.	23005
	Collective disposal of Labour of its members	23006
	Fishing or allied activities to supply to its members.	23007
	Primary cooperative society engaged in supplying Milk, oilseeds, fruits or vegetables raised or grown by its members to Federal cooperative society engaged in supplying Milk, oilseeds, fruits or vegetables/Government or local authority/Government Company / corporation established by or under a Central, State or Provincial Act	23008
	Consumer Cooperative Society Other than specified in 80P(2a) or 80P(2b)	23009
	Other Cooperative Society engaged in activities Other than specified in 80P(2a) or 80P(2b)	23010
	Interest/Dividend from Investment in other co-operative society	23011
	Income from Letting of godowns /warehouses for storage, processing / facilitating the marketing of commodities	23012
	Others	23013
	Federal milk co-operative society	23014

*n.e.c. – not elsewhere classified

Using the correct business and profession codes

In summary, the meticulous use of income tax business codes is essential when you complete your Income Tax Return (ITR) forms. These codes not only fulfil regulatory requirements but also ensure accuracy and transparency in financial reporting. By accurately selecting from the income tax business code list, you assist in smooth tax assessments and contribute to a robust financial environment. This clarity and precision in reporting not only support compliance but also foster trust and reliability between you and regulatory bodies.

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FAQS – FREQUENTLY ASKED QUESTIONS

Which sections categorise business income for ITR filing?

Business income for ITR filing is categorised under Section 44AD (presumptive taxation for certain businesses), Section 44ADA (presumptive taxation for professionals), Section 44AE (presumptive taxation for transporters), and other specified categories.
How are these codes beneficial for taxpayers?

Business codes for ITR help taxpayers accurately report income from specific business activities, ensuring compliance with tax laws and facilitating smoother tax assessments.
Where can I find the list of business and profession codes?

The CBDT publishes a comprehensive list of business and profession codes on its official website and in the ITR forms.
Do I need to use these codes while filing my ITR?

Yes, selecting the correct business and profession code is mandatory for accurate tax assessment and to avoid potential penalties.
Can I use multiple business codes in my ITR form?

Yes, if your business operations span different categories, you can use multiple business codes on income tax form.
What happens if I select the wrong business code?

Selecting the wrong nature of business code in income tax could lead to incorrect tax assessment. It's crucial to ensure accuracy to avoid penalties or additional tax liabilities.
Do I need to change my business code every year?

Your business/profession code should reflect any changes in your business activities. Update it accordingly when filing your annual ITR.
Can I change my business code after submitting my ITR?

If you realise an error in your business code for ITR after submission, you may amend it by filing a revised return within the applicable timelines.
Is there a penalty for not using a business code?

Using the correct business code is mandatory. Failure to do so may lead to queries from tax authorities or delays in processing your ITR.
Who should I contact for further clarification on business profession codes?

For further clarification or assistance regarding business/profession codes, you can contact the Income Tax Department or consult a tax advisor for expert guidance.

DISCLAIMER

The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.

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No fee or consideration or economic benefit either directly or indirectly is associated for availing the assessment through MoneyForLife Planner and therefore it is not to be considered as an investment advice or financial planning and / or investment advisory services.

You agree and understand that use of MoneyForLife Planner does not assure attainment of your investment objectives and there is no assurance that the money objectives will be achieved, as the same is subject to performance of the securities, the forces affecting the securities market and your risk profile. You are advised to consult an investment advisor in case you would like to undertake financial planning and / or investment advice for meeting your investment requirements.

You also agree that risks associated with any investment would be entirely yours and you would not hold ABCL and/or ABC Companies or any of its employees liable for any losses that may arise on account of any investments under taken basis the use of MoneyForLife Planner.

All investment decisions shall be taken by you in your sole discretion. You are advised to read the respective offer documents carefully for more details on risk factors, terms and conditions before making any investment decision in any scheme or products or securities or loan product. All investments in any product / fund / securities etc. will be on the basis, subject to and as per the terms and conditions of the specific product’s / fund’s / security’s offer document, key information memorandum, risk disclosure document, product or sales brochure or any other related documents which are offered by the respective issuer of such product/securities. You can use execution platform/services with any third party as deem fit and proper, and there is no compulsion to use the execution services through this Website.

Not an Investment Advisor, Planner, Broker or Tax Advisor

The facilities on the Website are not intended to provide any legal, tax or financial or securities related advice. You agree and understand that the Website is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor. The facilities are intended only to assist you in your money needs and decision-making and is broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the facilities may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisers who are fully aware of your individual circumstances. For more details, please also refer to the Legal Disclaimers provided on the Website.

Financial Solutions

We may provide you with various money solutions and options which are generally available basis your investment profile or those which are generally held by persons of similar investment profile. You authorize us to use/disseminate the information to provide the Financial Solutions however it is not necessarily for you to act on it. It only serves an indicative use of information which you may execute in the manner agreed by you.

Password Protection

You shall not be entitled to avail the facilities without the use of a user name and password. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. You are fully responsible for all activities that occur using your password or Account. You are requested to please notify www.adityabirlacapital.com immediately of any unauthorized use or access of your password or Account, or any other breach of security. The Website will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.

Intellectual Property Rights

This Website contains information, materials, including text, images, graphics, videos and sound (“Materials”), which is protected by copyright and/or other intellectual property rights. All copyright and other intellectual property rights in these Materials are either owned by ABCL or have been licensed to Facilities Provider, ABCL / ABC Companies by the owner(s) of those rights so that it can use these Materials as part of this Website. Other than those Materials which belong to Third Parties, ABC Companies retains copyright on all Information, including text, graphics and sound and all trademarks displayed on this Website which are either owned by or licensed to by ABCL and/or used under license by ABC Companies.

You shall not (a) copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), download, display, perform, reproduce, distribute, modify, edit, alter, enhance, broadcast or tamper with in any way or otherwise use any Materials contained in the Website. These restrictions apply in relation to all or part of the Materials on the Website; (b) copy and distribute this information on any other server or modify or re-use text or graphics on this system or another system. No reproduction of any part of the Website may be sold or distributed for commercial gain nor shall it be modified or incorporated in any other work, publication or web site, whether in hard copy or electronic format, including postings to any other web site; (c) remove any copyright, trade mark or other intellectual property notices contained in the original material from any material copied or printed off from the web site; link to this Website; without our express written consent.

No Warranty

Although all efforts are made to ensure that information and content provided as part of this Website is correct at the time of inclusion on the Website, however there is no guarantee to the accuracy of the Information. This Website makes no representations or warranties as to the fairness, completeness or accuracy of Information. There is no commitment to update or correct any information that appears on the Internet or on this Website. Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. Any use of this Website or the information is at your own risk. Neither ABCL and ABC Companies, nor their officers, employees or agents shall be liable for any loss, damage or expense arising out of any access to, use of, or reliance upon, this Website or the information, or any website linked to this Website.

No Liability

This Website is provided to you on an "as is" and "where-is" basis, without any warranty. ABCL, for itself and any ABC Companies and third party providing information, Materials (defined later), facilities, or content to this Website, makes no representations or warranties, either express, implied, statutory or otherwise of merchantability, fitness for a particular purpose, or non-infringement of third party rights, with respect to the website, the information or any products or facilities to which the information refers. ABCL will not be liable to you or any third party for any damages of any kind, including but not limited to, direct, indirect, incidental, consequential or punitive damages, arising from or connected with the site, including but not limited to, your use of this site or your inability to use the site, even if ABCL has previously been advised of the possibility of such damages. Any access to information hosted on third party websites of billers/banks/merchants/ABC Companies etc. is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering of these ABC Companies or third parties.

The Facilities Provider or ABCL or ABC Companies shall have absolutely no liability in connection with the information and Material posted on this Website including any liability for damage to your computer hardware, data, information, materials, or business resulting from the information and/or Material or the lack of information and/or Material available on the Website. In no event shall ABCL or ABC Companies shall be liable for any for any special, incidental, consequential, exemplary or punitive damages for any loss, arising out of or in connection with (a) the use, misuse or the inability to use this Website; (b) unauthorized access to or alteration of your transmissions or data; (c) statements or conduct of any third party on the site; or (d) any other matter whatever nature relating to this Website.

Further, the Facilities Provider cannot always foresee or anticipate technical or other difficulties. The facilities may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other facilities interruptions. The Website does not assume responsibility for the timeliness, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings.

The Facilities Provider, ABCL, ABC Companies and the providers of information shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained at this Website.

Manner of Use of Personal Information

All Personal Information including Sensitive Personal Information provided/related to you, shall be stored/used/processed/transmitted expressly for the Purpose or facilities indicated thereon at the time of collection and in accordance with the Privacy Policy. Other than those otherwise indicated and agreed by You, this Website do not collect or store or share your Personal Information. Aditya Birla Capital is the brand and accordingly all products and facilities are provided by respective ABC Companies as applicable. Therefore, for any of these Purposes, the Website will use ABC Companies their authorized third party vendors, agents, contractors, consultants or facilities providers (individually a ‘Third Party Service Provider’ and collectively, the “Third Party Service Providers”) and to that extent you understand and authorize the Facilities Provider to share/transmit such information to Third Party Service Providers. Such sharing of information will be solely for the purpose to fulfill / complete / authenticate your specific requests/transaction execution and for providing information about any ABC Companies product or facilities or services or for data analytics or to deliver to you any administrative notices, alerts or communications relevant to your Purpose (and which may include sending promotional emails or SMS or calls or any other mode permitted under law) or to analyze the usage and improve the facilities/solutions offered or for any research or troubleshooting problems, detecting and protecting against errors or to improve features, tailor the facilities on the Website to your interests, and to get in touch with you whenever necessary.

Except in the manner as stated in the Privacy Policy, the Website will not disclose your Personal Information with any affiliated or unaffiliated third parties,

You may receive e-mails /communications/notifications from the Third Party Services Providers regarding facilities updates, information/promotional e-mails/SMS and/or update on new product announcements/services in such mode as permitted under law.

Use of Website in India

This Website is controlled and operated from India and there is no representation that the Materials/information are appropriate or will be available for use in other locations. If you use this Website from outside the India, you are entirely responsible for compliance with all applicable local laws. There is no warranty or representation that a user in one region may obtain the facilities of this website in another region.

Information published on the Website may contain references or cross references to products, programs and facilities offered by ABC Companies/third parties that are not announced or available in your country. Such references do not imply that it is intended to announce such products, programs or facilities in your country. You may consult your local advisors for information regarding the products, programs and services that may be available to you.

In your use of the Website, you may enter correspondence with, purchase goods and/or facilities from, or participate in promotions of advertisers or members or sponsors of the web site, including those of ABC Companies. Unless otherwise stated, any such correspondence, advertisement, purchase or promotion, including the delivery of and the payment for goods and/or facilities, and any other term, condition, warranty or representation associated with such correspondence, purchase or promotion, is solely between you and the applicable ABC Companies and/or third parties.

You agree that Facilities Provider / ABC Companies has no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any other ABC Companies and/or third parties.

Third party websites

This Website may be linked to other websites (including those of ABC Companies) on the World Wide Web that are not under the control of or maintained by ABCL. Such links do not indicate any responsibility or endorsement on our part for the external website concerned, its contents or the links displayed on it. These links are provided only as a convenience, in order to help you find relevant websites, facilities and/or products that may be of interest to you, quickly and easily. It is your responsibility to decide whether any facilities and/or products available through any of these websites are suitable for your purposes. The Facilities Provider or ABCL is not responsible for the owners or operators of these websites or for any goods or facilities they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external web site to which this web site includes a link infringes the intellectual property rights of any third party).

USE of APP

In case any facilities/services, access/dissemination of information or execution of transaction is done through use of any APP related to ABC Companies, the additional terms and conditions governing the Use of APP shall be applicable and to be read along these Terms of Use.

Postings and monitoring

The Facilities Provider or ABCL or ABC Companies does not routinely monitor your postings to the Website but reserves the right to do so if deemed necessary if it is related to the facilities offered on the web site and to comply with law. However, in our efforts to promote good citizenship within the internet community, if the Facilities Provider or ABCL or ABC Companies becomes aware of inappropriate use of the Website or any of its facilities, any information, opinions, advice or offers posted by any person or entity logged in to the Website or any of its associated sites is to be construed as public conversation only, and the Facilities Provider or ABC Companies shall not be liable or responsible for such public conversation. You agree that in such cases, we will respond in any way that, in our sole discretion, as deemed appropriate. You acknowledge that Facilities Provider or ABC Companies will have the right to report to law enforcement authorities any actions that may be considered illegal, as well as any information it receives of such illegal conduct. When requested, ABC Companies/Facilities Provider will co-operate fully with law enforcement agencies in any investigation of alleged illegal activity on the internet.

Submissions and unauthorized use of any Materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, certain communications statutes and regulations and other applicable laws and regulations. You alone are responsible for your actions or the actions of any person using your user name and/or password. As such, you shall indemnify and hold Facilities Provider, ABCL / ABC Companies and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all loss, costs, damages, liabilities, and expenses (including attorneys' fees) incurred in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that your use of the Website or the use of the Website by any person using your user name and/or password (including without limitation your participation in the posting areas or your submissions) violates any applicable law or regulation, or the rights of any third party.

We reserve the right to terminate access to this Website at any time and without notice. Further this limited license terminates automatically, without notice to you, if you breach any of these Terms of Use. Upon termination, you must immediately destroy any downloaded and printed Materials.

If you come across any breaches/violation or offensive material you must report to us at abc.secretarial@adityabirla.com

Use of Cookies

You agree and understand that the Website will automatically receive and collect certain anonymous information in standard usage logs through the Web server, including computer/computer resource-identification information obtained from "cookies" sent to your browser from a web server or other means as explained in the Privacy Policy.

Facilities Changes and Discontinuation

The Website reserves the right to discontinue or suspend, temporarily or permanently, the facilities. You agree that the Facilities Provider/ ABC Companies will not be liable to you in any manner whatsoever for any modification or discontinuance of the facilities. The format and content of this Website may change at any time. We may suspend the operation of this Website for support or maintenance work, in order to update the content or for any other reason.

ABCL, ABC Companies, and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non-availability of the Website and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. The Website will not be responsible for any liability arising out of delay in providing any information on the Website.

Compliance with the Law

You agree that you will not:

Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Website, or any portion of the Website.
Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines generally available by third party web browsers
Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website or the facilities.
Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website or the facilities.
You agree not to use the facilities for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.

Restrictions on Commercial Use or Resale

Your right to use the facilities is personal to you; therefore, you agree not to resell or make any commercial use of the facilities. In addition, the Website welcomes your feedback as a user of the facilities. Any feedback you provide will become the confidential and proprietary information of the Website, and you agree that the Website may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to the Website. The Website shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into the Website or other Website software or facilities.

No Endorsements

All product and facilities marks contained on or associated with the facilities that are not the Website marks are the trademarks of their respective owners. The Website would require you to respect the same. References to any such names, marks, products or facilities of third parties or hypertext links to third party sites or information does not imply the Website’s endorsement, sponsorship or recommendation of the third party, information, product or facilities.

Promotional Offers

You may receive from time to time, announcement about offers with intent to promote this Website and/or facilities/products of ABC Companies (“Promotional Offers”). The Promotional Offer(s) would always be governed by these Terms of Use plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these Terms of Use, to the extent they may be in conflict with these Terms of Use. The Website reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.

Charges for use of Website

There are no charges or fees to be paid by you for use of this Website. However, you are responsible for all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider. You further agree to pay additional charges, if any levied by Third Party Service Provider(s), for the facilities provided by them through the Website (Additional Charges).

No Endorsement

You are advised to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website, users may visit or be directed to third party web sites. The Website makes no effort to review the content of these web sites, nor is the Website or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites.

In addition, the Website does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that the Website does not pre-screen content, but that the Website will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the facilities.

Electronic Communications

These Terms of Use and any notices or other communications regarding the Facilities may be provided to you electronically, and you agree to receive communications from the Website in electronic form. Electronic communications may be posted on the Website and/or delivered to your registered email address, mobile phones etc either by Facilities Provider or ABC Companies with whom the services are availed. All communications in electronic format will be considered to be in "writing". Your consent to receive communications electronically is valid until you revoke your consent by notifying of your decision to do so. If you revoke your consent to receive communications electronically, the Facilities Provider shall have the right to terminate the facilities.

Assignment

You shall not assign your rights and obligations under this Agreement to any other party. The Website may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.

Legal Disclaimers

The information provided on or through the Website is for general guidance and information purposes only and they do not in any manner indicate any assurance or opinion of any manner whatsoever. Any information may be prone to shortcomings, defects or inaccuracies due to technical reasons. Certain information on Website may be on the basis of our own appraisal of the applicable facts, law and regulations in force at the date hereof.

The information (and opinions, if any) contained on the Website may have been obtained from public sources believed to be reliable and numerous factors may affect the information provided, which may or may not have been taken into account. The information provided may therefore vary (significantly) from information obtained from other sources or other market participants. Any reference to past performance in the information should not be taken as an indication of future performance. The information is dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of users. Hence, they should not be solely relied on when making investment decisions. Your investment or financial decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website or in any information would construe ABCL/ABC Companies or any of its employees/authorized representative as having been in any way involved in your decision making process. Any information and commentaries provided on the Website are not meant to be an endorsement or offering of any stock or investment advice.

Nothing contained herein is to be construed as a recommendation to use any product, process, equipment or formulation, in conflict with any patent, or otherwise and Facilities Provider / ABCL/ABC Companies makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise. Information on this Website sourced from experts or third party service providers, which may also include reference to any ABCL Affiliate. However, any such information shall not be construed to represent that they belong or represent or are endorsed by the views of the Facilities Provider or ABC Companies. Any information provided or sourced from ABCL Affiliate belongs to them. ABCL is an independent entity and such information from any ABCL Affiliate are not in any manner intended or to be construed as being endorsed by ABCL or Facilities Provider. The information does not constitute investment or financial advice or advice to buy or sell, or to endorse or solicitation to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Website or information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type. Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or facilities before taking or considering an investment or financial decision.

No Solicitation

No Information at this Website shall constitute an invitation to invest in ABCL or any ABC Companies. These are meant for general information only or to meet statutory requirements or disclosures. ABCL or any of its employees are in no way liable for the use of the information by you, when making any decision or investing or trading through any investment vehicles or ABC Companies, or any other third party which may be engaged in offering of these services.

The information contained on this Website does not represent and should not be used to construe (i) the terms on which a new transaction would be entered into by ABCL or ABC Companies, (ii) the terms on which any existing transactions could be unwound by ABCL or ABC Companies, (iii) the calculation or estimate of an amount that would be payable following an early termination of any past/existing transactions or (iv) the valuations given to any transactions by ABCL or ABC Companies in their books of account for financial reporting, credit or risk management purposes.

Statutory Disclosure

ABCL and ABC Companies are engaged in a broad spectrum of activities in the financial services sectors. You understand and acknowledge that Aditya Birla Money Limited (‘ABML’), Aditya Birla Finance Limited (‘ABFL’) and Aditya Birla Sun Life Asset Management Company Limited and trustees and sponsor of Aditya Birla Sun Life Mutual Fund (‘ABSLMF’) are group companies and ABML / ABFL also acts as a distributor of ABSLMF. Any recommendation or reference of schemes of ABSLMF if any made or referred on the Website, the same is based on the standard evaluation and selection process, which would apply uniformly for all mutual fund schemes. You are free to choose the execution facilities in the manner deemed fit and proper and no commission will be paid by ABSLMF to ABML / ABFL if you choose to execute a transaction with ABSLMF on the Website, unless otherwise agreed by you and ABML/ABFL separately. Information about ABML/ABFL, its businesses and the details of commission structure receivable from asset management companies to ABML/ABFL, are also available on their respective Website.

Similarly Aditya Birla Money Insurance Advisory Services Limited and Aditya Birla Insurance Brokers Limited are insurance intermediaries and engaged in the distribution of Insurance Products and it may services may include products of Aditya Birla Sun Life Insurance Company Limited and Aditya Birla Health Insurance Company Limited. However there is no conflict on these services and commissions if any payable are in accordance of the extant regulations.

Force Majeure

The Facilities Provider, ABC Companies and any of its Third Party Service Providers shall not be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labour disputes, riots, insurrections, civil disturbances, shortages of labour or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

Indemnification

You agree to protect and fully compensate Facilities Provider, ABCL, ABC Companies, subsidiaries, licensors, suppliers and facilities providers, employees, officers and directors, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the facilities, your violation of the Terms of Use or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

No Waiver

The Facilities Provider, ABC Companies or any of its third party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing. No delay or omission on the part of Facilities Providers and ABC Companies, in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Exclusive Agreement

You agree that these Terms of Use are the complete and exclusive statement of agreement supersede any proposal or prior agreement, oral or written, and any other communications between you and the Facilities Provider and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms of Use. These Terms of Use, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the Website and/or the processor bank.

Termination

Either party can terminate this Agreement by notifying the other party in writing. Upon such termination You will not be able to use the facilities of this Website.

Governing Law and Jurisdiction

The Website specifically prohibits you from usage of any of its facilities in any countries or jurisdictions that do not corroborate to all stipulations of these Terms of Use. The Website is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Mumbai having exclusive jurisdiction.

These Terms and Conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these Terms and Conditions or any dispute arising in relation to the Website whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Mumbai, India for the resolution of all such disputes.