TABLE OF CONTENT

Key Highlights

  • Swachh Bharat Abhiyan was launched on 2 October 2014 to eradicate open defecation and its disadvantages.
  • The first phase of the Swachh Bharat Mission lasted till October 2019. Its second phase started in February 2020 and is in progress.
  • The Swachh Bharat Mission relies on individual and community participation and awareness to change the age-old mentality of open defecation.
  • Under the Swachh Bharat Mission, 12 crores of toilets have been built, 100% of the urban population has been declared ODF and a significant reduction in deaths due to waterborne diseases has been reported.

Swachh Bharat Mission: Improving Health Through Better Sanitation and Hygiene

The Swachh Bharat Mission, launched by the Government of India on 2nd October 2014, is a significant step in addressing India's long-standing issue of open defecation. This mission has brought about a transformative change in the Indian sanitation landscape by building toilets, spreading awareness about proper sanitation, and adopting sustainable waste management techniques.

Sanitation refers to providing facilities and services for safely disposing of human urine and faeces. Holistically, it also encompasses promoting community hygiene and disease prevention by maintaining proper sewage systems and collecting and disposing of trash and garbage according to standards. In this article, we will explore the key aspects of the Swachh Bharat Mission, India’s sanitation history, the impact of proper sanitation on society, the implementation and impact of the Swachh Bharat Mission, and future challenges.

Swachh Bharat Mission: An Exemplary Example of Cultural Shift and Public Awareness

Swachh Bharat Mission, also called Swachh Bharat Abhiyan, or Clean India Mission, aimed to change age-old societal attitudes toward sanitation and hygiene in India, a country ill-known for open defecation and poor waste management. The campaign succeeded in creating a mass movement that emphasised cleanliness as a collective responsibility in two phases.

Phase 1 of the Swachh Bharat Mission ran for five years, from October 2014 to October 2019. The mission was considered a grand success, with the construction of over 100 million individual household toilets and the declaration of more than 6 lakh villages open defecation-free (ODF). Building on the strong foundation of Phase 1, the second phase of the Swachh Bharat Mission was launched in February 2020 and will run until 2026. The second phase of the mission focuses on sustainable waste management along with maintaining the ODF.

However, changing the mindset of its citizens was not easy. The Government of India leveraged various forms of media, involved celebrities and influencers to attract their attention, and provided monetary assistance for toilet construction. The Swachh Bharat Mission, or the SBM mission, raised unprecedented awareness about the importance of sanitation, which its predecessors could not achieve. Let us take a look at India’s attempts to achieve a hygienic and safe country before the Swachh Bharat Mission.

History and Need for Swachh Bharat Mission

India’s first cleanliness programme for the rural population began in 1954 as a part of its first five-year plan. Despite the efforts, the sanitation coverage in rural India in the 1981 census was only 1%. Therefore, more emphasis was laid on rural sanitation during the International Decade dedicated to Drinking Water and Sanitation from 1981 to 1990. Consequently, the Government of India launched the Central Rural Sanitation Programme (CRSP) in 1986. The programme aimed to improve the rural population’s quality of life and respect women’s privacy.

In 1999, a demand-based approach was adopted as CRSP migrated to Total Sanitation Campaign (TSC). The focus of this programme was to generate awareness of the demand for sanitation facilities. To achieve this, tools like Education and Communication (IEC), Human Resource Development (HRD), and capacity building were employed extensively.

In 2012, the 'Nirmal Bharat Abhiyan' was launched to accelerate sanitation adoption. Using innovative strategies and a saturation approach, Nirmal Gram Panchayats were set up. The incentives given under MNREGA were increased for building toilets in every household. Despite all the efforts, the 2011 consensus evaluated only 33% of rural sanitation coverage, highlighting the long journey and the pressing need for the Swachh Bharat Mission.

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Swachh Bharat Mission: Sanitation and Public Health

Proper sanitation has direct benefits for public health. Efficient sanitation reduces waterborne and foodborne diseases and other sanitation-related health issues by promoting the use of toilets and better waste management practices.

According to a 2024 World Health Organisation (WHO) report, 1.4 million people die each year globally from inadequate drinking water, hygiene, and sanitation. Diarrhoea, a common waterborne disease, kills over half a million children each year, roughly 120,000 of them in India.

The construction of millions of toilets and the promotion of hygienic practices under the Swachh Bharat Mission have contributed to a significant reduction in diseases such as diarrhoea, cholera, and other gastrointestinal ailments.

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Objectives of Swachh Bharat Abhiyan

Swachh Bharat Mission was launched with the following objectives:
  • To promote hygiene and cleanliness comprehensively throughout India.
  • To reduce the number of people and households who defecate in the open to zero.
  • To encourage the use of cost-effective and environmentally friendly sanitation solutions.
  • To raise public awareness about hygiene concerns and its impact on human health.
  • To assist India in achieving the aim of sustainable development.
  • To create a positive impact on social inclusion and gender equality
  • To raise the standard of living in rural communities.
  • To concentrate on sustainable waste management strategies to reduce the volumes of both solid and liquid waste.

Components of Swachh Bharat Mission

The Swachh Bharat Mission can be divided into two components: Swachh Bharat Mission- Gramin (SBM-G) and Swachh Bharat Mission Urban (SBM-U).

Swachh Bharat Mission (Gramin)

Ministry of Jal Shakti, Department of Drinking Water and Sanitation administers the SBM-G. Phase 1 of this initiative started in 2014 to ensure hygienic living conditions and eliminate open defecation in India in five years. Its mission was to improve rural sanitation by adopting solid and liquid waste management operations and ensuring that villages are 100% open defecation-free (ODF).

The SBM-G model serves as a testament to India's dedication to improving public health and hygiene. It is a beacon of community-driven change, integrating the efforts of multiple ministries and millions of citizens. The transformation from basic sanitation to a holistic approach towards sustainable sanitation practices marks a milestone in India's public health strategy.

Building on these achievements, Phase II of SBM-G was launched in 2020. It aims to sustain the ODF status, cover more rural communities under the programme, and introduce comprehensive solid and liquid waste management across rural India to achieve 'Sampoorn Swachhata.’

Swachh Bharat Mission (Urban)

SBM-U is administered by the Ministry of Housing and Urban Affairs (MoHUA). The first phase of SBM-U focused on achieving the target of making urban India ODF by providing access to toilets and promoting behavioural change. SBM-U 1.0 was a successful campaign, and 100% of urban India declared ODF in 2019.

SBM-U 2.0, announced in Budget 2021-22, continues SBM-U 1.0. Its objective is to go beyond ODF to ODF+ and ODF++ and focus on making urban India garbage-free. It emphasises sustainable sanitation practices, waste management, and the promotion of a circular economy.

SBM Terminology

ODF: An area can be notified or declared ODF if no a single person is found defecating in the open at any point during the day.

ODF+: This status is given if, at any point of the day, not a single person is found defecating and/or urinating in the open, and all community and public toilets are functional and well-maintained.

ODF++: This status is given if the area is already ODF+ and the faecal sludge/septage and sewage are safely managed and treated, with no discharge or dumping of untreated faecal sludge and sewage into the open drains, water bodies, or areas.

To achieve its objectives, efforts are being made to convert pit-based washrooms into sanitary latrines and stop constructing new unsanitary and unclean bathrooms. To promote hygiene, SBM-U 2.0 aims to construct community toilets in residential areas where making individual household toilets is challenging. Public restrooms, called aspirational toilets, will also be built in tourist spots, markets, bus stations, and railway stations. The urban mission also aims to eradicate manual scavenging.

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Action Plan of Swachh Bharat Mission

Since the objectives of the Swachh Bharat Mission rely on the participation of millions of Indians, the Government of India prepared an action plan riding on these six pillars:

Community participation:

SBM relies on the complete participation of the beneficiary, whether an individual or community, in setting up the toilets to promote ownership and sustained use.

Flexibility in choice:

SBM offers flexibility by providing multiple options so that poor and disadvantaged families can upgrade their toilets according to their requirements and financial situation. This is done to ensure that constructed sanitary toilets ensure the safe confinement and disposal of faeces. An illustrative list of technology options, with corresponding costs, is available to meet user preferences and location-specific requirements.

Capacity building:

The Swachh Bharat Mission helps districts build the ability to change behaviour at the community level and improves the skills of agencies responsible for implementing the programme, ensuring it progresses on time and its results can be tracked.

Cultivating behavioural change:

SBM incentivises the performance of State-level institutions to implement activities for behavioural change among communities. The programme emphasises generating awareness, triggering mindset and community behaviour changes, generating demand for sanitary facilities in houses, schools, Anganwadis, and community clubs, and adopting good solid and liquid waste management practices.

Broad-based engagement:

Once the groundwork was laid, SBM set up the Swachh Bharat Kosh to encourage Corporate Social Responsibility (CSR) and accept contributions from private organisations, individuals, and philanthropists to bring about a change at the mass level.

Use of technology:

Once the infrastructure has been created, SBM uses the power of information technology and social media. Information technology is imperative to this programme as it allows citizens to check on the availability of toilets for every rural household in India. Nearly 90% of all SBM toilets have already been geo-tagged.

The use of social media not only helped create awareness for the SBM but also helped bring the attention of concerned authorities to unkept toilets or localities. Many mobile applications have also been launched by not only the government but also by a few citizens, which direct the municipal corporations’ attention towards unclean areas.

Activities Under Swachh Bharat Mission

Under SBM, the states and UTs take up work for the construction of Individual Household Latrines (IHHLs), Community Sanitary Complexes (CSCs), and assets for Solid and Liquid Waste Management (SLWM). In addition, funds are utilised for Information, Education, and Communication (IEC) activities and Administrative charges.

Also, an incentive of ₹12,000 is provided for the construction of IHHLs for eligible beneficiaries in rural and urban areas, which covers the provision of water storage. The centre and the state share the incentive provided for IHHLs in a 90:10 ratio for North Eastern States, Jammu and Kashmir, and Special Category States, and in a 60:40 ratio for the rest of the country. Additional contributions from other sources are also permitted. A total of ₹83937 crores was allocated from 2014 to 2022 for SBM-G. Additionally, a provision was made for extra budgetary resources of ₹15,000 crores.

Financial Year Funds allocated to SBM-G (₹ in Crores)
2014-15 2,850.00
2015-16 6,525.00
2016-17 10,500.00
2017-18 16,948.27
2018-19 23,176.23
2019-20 11,938.22
2020-21 6,000.00
2021-22 6,000.00
Total 83937.72

SBM-U focuses on constructing IHHLs, community and public toilets, solid waste management (SWM) plants, and used water management (UWM). Funds are also spent on advertising, which is covered under the IEC and Public Awareness component. In addition, Certification Protocols for ODF, ODF+, ODF++, and Water+ have been designed for third-party verification of every city's ODF status every year.

Under phase 2 of the Swachh Bharat Mission for urban local bodies (ULBs) with a population of less than one lakh, a new component of UWM has also been included. Under this component, central assistance is provided for mechanised desludging equipment, sewage and septage treatment facilities, and drain interception and diversion.

Under the SBM-U, funds were allocated for the mission period and not on a yearly basis. From 2014 to 2021, the mission allocation for the States and UTs was ₹13,239.89 crores and ₹30,980.20 crores for 2021-2026.

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Impact of Swachh Bharat Mission

Swachh Bharat Mission boasts of being the most successful social welfare campaign in India, considering that it depends largely on public participation. Some of the achievements of the Swachh Bharat Mission are:

Improved Sanitation and Public Health

The massive success of the Swachh Bharat Mission mission can be measured by the following numbers:
  • 12 crores of toilets have been built in the last nine years, liberating the country from the malpractice of open defecation.
  • Nearly 4.43 lakh villages accounting for 75% of the total villages, have achieved the ODF+ status.
  • Urban India has become complete ODF, with all 4,715 ULBs completely ODF.
  • 3,547 ULBs are ODF+ with functional and hygienic community and public toilets, and 1,191 ULBs are ODF++ with complete faecal sludge management.
  • 14 cities are certified Water+, which entails the treatment of wastewater and its optimum reuse.
  • 95% of wards in India have 100% door-to-door collection of waste. More than 88% of the wards have source segregation of waste.
  • The WHO reported 300,000 fewer diarrheal deaths in 2019 than in 2014, directly contributing to improved sanitation.
  • With better access to sanitation facilities, 93% of women reported feeling safer at home.

Behavioural Shift Towards Awareness

The foundation of the Swachh Bharat Mission lies in public participation through awareness. SBM has witnessed unprecedented public enthusiasm towards adopting a healthier and more hygienic lifestyle. Public participation can be quantified in terms of people who participated in the Swachh Survekshan 2022. Here are some numbers:
  • 18,17,513 citizens provided face-to-face feedback while 73,95,680 filled out online feedback.
  • 22,26,805 photographs were captured and submitted as proof of participation.
  • This survey included 4,354 ULBs, 62 Cantonment boards, 91 Ganga towns, 90,441 wards, 17,030 commercial areas, and 24,744 residential areas.

Economic Benefits

The Swachh Bharat Mission has also boosted India's economy. Better sanitation reduces healthcare costs and increases productivity. With fewer illnesses, more people can work actively, driving economic growth and development. Families in ODF villages saved an average of ₹50,000 annually on health costs.

Swachh Bharat Mission has resulted in massive employment generation in sectors such as construction, sanitation infrastructure development, waste management and related industries.

Challenges for the Swasth Bharat Mission

Despite the massive success of the Swachh Bharat Mission, there are certain challenges to achieving 100% of its objectives. These are:
  • Only 42.5% of rural households have access to water for toilet use, and without water, the rate of toilet non-usage increases.
  • Open defection is traditional behaviour in rural India, and people still perceive it as healthier and cleaner. As they say, old habits take time to go.
  • A study conducted in four north Indian states suggests that toilet usage in rural households has increased to 56%. There might be a deviation in numbers reported officially and actually in practice.
  • Along with sanitation, efforts must be made to improve hand hygiene awareness. Hand washing facilities such as water, soap, and space are not always available, so the practice of hand washing with soap and water becomes inconsistent in many areas of rural India.

Swachh Bharat Mission App

The Hon’ble Minister for Housing and Urban Affairs launched the Swachhata App on 6th August 2016 for 4,041 statutory towns in India. It is essentially a grievance redressal tool, envisioned as an effective tool towards enabling citizens to have their grievances addressed by the concerned Municipal Corporation.

With the app, you can click a picture of the problem area, upload it, and have the complaint delegated to the associated ward engineer by the city's Nodal Office. The complaint is then forwarded to the ward engineer, who can then work on the issue and update the status to ‘resolved’ using the engineer’s version of the app.

A website and dashboard are developed for stakeholders at the City (ULB), State, and Centre, allowing them to review the complaints and resolution status. The app is available in English and six other regional languages.

Swachh Bharat Mission: An Undeniable Success Story

Swachh Bharat Mission has transformed the Indian sanitation landscape in only a decade. While urban India has completely become open defecation-free, rural India still has some inhibitions, and the adoption rate is slow. Other challenges, like a shortage of water supply, hinder realising the objective.

Nevertheless, the efforts taken by the government, individuals, communities, and municipalities to make India a healthier living place cannot be denied. Further, sustainable solid and liquid waste management and recycling seem to be a way forward in assisting the Swachh Bharat Mission.

There is still much to do to achieve an OD-free India. The government alone, notwithstanding its resources, will not be able to accomplish the mission; individual willingness is a must. Also, a massive mobilisation of civil society, NGOs, and the country’s influencers will continue to provide the much-needed push for the mission.

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FAQS – FREQUENTLY ASKED QUESTIONS

  • What is Swachh Bharat Abhiyan ?

    Swachh Bharat Abhiyan is a country-wide campaign launched by the Government of India on 2 October 2014 to eradicate open defecation, create awareness towards better hygiene, reduce waterborne and foodborne diseases and resultant deaths, and implement comprehensive waste management.

  • What is the objective of Swachh Bharat Abhiyan ?

    The key objectives of the Swachh Bharat Mission are:

    -eliminating open defecation
    -promoting the construction of individual and community toilets
    -creating awareness about sanitation and hygiene
    -ensuring the safe disposal of waste

  • What are the benefits of Swachh Bharat Abhiyan ?

    The key benefits of the Swachh Bharat Mission are disease prevention, death reduction, and healthy populations. Access to clean sanitation facilities reduces the spread of waterborne and foodborne diseases, improving overall public health. The mission's focus on eliminating open defecation has also provided many women with a dignified lifestyle and employment.

  • What is the importance of sanitation for a developing country like India ?

    Proper sanitation contributes to the economic development of a nation. A developing country like India cannot afford economic losses associated with poor sanitation like:

    -cost of treating sanitation-related illnesses
    -lost income through reduced or lost productivity
    -time and effort losses due to distant sanitation facilities
    -poor water quality
    -loss of tourism and associated income

  • Is the Clean India Programme a success ?

    Yes, the Clean India Programme is successful, considering that it has achieved 100% ODF in the urban population. However, it still needs to achieve 100% ODF in rural populations, where the adoption of hygienic sanitation practices is slow but increasing steadily. The decreasing number of deaths due to waterborne diseases like Diarrhoea is proof of the Swachh Bharat Mission’s success.

  • What is the slogan of the Swachh Bharat Mission ?

    The Swachh Bharat Mission's slogan or tagline, “Ek kadam swachhta ki ore,” translates to “A step towards cleanliness.” This slogan is apt as the Swachh Bharat Mission relies heavily on mass participation.

  • How does the Swachh Bharat Abhiyan raise awareness about proper sanitation ?

    The Swachh Bharat Abhiyan was initiated by the Hon’ble Prime Minister, Shri Narendra Modi. He himself took a broom and swept the streets of Mandir Marg Police Station, Rajpath, New Delhi, to instil people’s confidence in the mission. He invited nine people to join the cleanliness drive, requesting each of them to invite nine more people, thus starting a chain reaction.
    Later, the government promoted the mission on social media under ‘#MyCleanIndia’, urging people to share pictures of their contributions. Many famous social media influencers, actors, sportspersons, etc., joined the campaign and urged people to do the same. Thus, SBM became a mass campaign.

  • How can I contribute to the Swachh Bharat Mission ?

    You can contribute to the Swachh Bharat Mission by adopting good sanitation practices, promoting cleanliness in your neighbourhood, and participating in awareness programmes and campaigns. Responsible toilet use, maintaining hygiene, and proper waste management are essential steps you can take to inspire others to support the mission's objectives.

  • What are the financial benefits of Swachh Bharat Abhiyan ?

    The great part about Swachh Bharat Abhiyan is that it has helped lift the rural population’s socio-economic standards. According to a study, the financial savings from a household toilet exceed its construction costs by 1.7 times, on average and 2.4 times for the poorest households.

  • What is the Swasth Bharat Mission ?

    Swasth Bharat Mission is analogous to the Swachh Bharat Mission in the sense that many waterborne and foodborne diseases and deaths thereof can be prevented by adopting proper sanitation.

 

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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.

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