Read This Before You Rely on Anything.

There is a fundamental and legally important difference between general information and professional advice. Understanding this distinction is the most important thing you can take from this page.

General Information (what this website provides) explains how a law or rule works in the general case — for example, explaining that HRA exemption in Chennai is calculated at 50% of basic salary, or that LTCG on equity shares above ₹1.25 Lakh is taxed at 12.5%. This information is correct as a general statement of law, but it does not account for your specific salary structure, your employer type, your other income sources, or the dozens of other variables that determine your actual tax liability.

Professional Advice (what our CA team provides when you engage us) is specific to you — your PAN, your employer, your Form 16, your AIS, your deductions, your state of residence, your tax history. It is based on a complete review of your actual documents and results in a definitive recommendation for your specific situation.

The website at www.khajanchibrothers.com publishes a wide range of content, including state-specific ITR guides, GST explanations, company registration information, trademark guidance, FAQs, blog articles, and other educational material. This content is produced and maintained by our team with care and professional knowledge. However, the following limitations apply to all website content:

• General applicability only: Content describes how rules apply in typical or common scenarios. Your situation may differ materially from the examples used.
• Time-sensitive: Tax laws, GST rates, compliance procedures, and government portal processes change frequently. Content is updated regularly but may not reflect the very latest amendment, circular, or notification at the time you read it.
• Illustrative examples: Any numerical examples, tax calculations, or HRA computations shown are illustrative only. They use assumed salary figures, rent amounts, and deduction values for demonstration purposes. They are not applicable to your specific situation without verification.
• State-specific guides: Our ITR state guides (e.g., salary ITR for Maharashtra, Rajasthan, Tamil Nadu) explain local considerations such as metro/non-metro HRA classification, state Professional Tax, and local employer types. These are general guides — they do not constitute advice for any specific individual.
• Not a substitute for Form 16: No website content can substitute for a review of your actual Form 16, AIS, and Form 26AS. Filing decisions must be based on your actual documents.

Accessing, reading, or using any content on this website — including our blog posts, ITR guides, GST articles, or FAQ pages — does not create a client–professional relationship between you and Khajanchi Brothers Private Limited.

A professional relationship — and the associated duties, confidentiality obligations, and advice responsibilities — is created only when:

• You formally engage a specific service with us (ITR filing, GST registration, company incorporation, etc.).
• You pay the agreed fee or confirm acceptance of our service terms.
• We confirm acceptance of your engagement in writing (via WhatsApp, email, or our portal).

Until those conditions are met, any information shared by our team in response to a general enquiry — via WhatsApp, email, phone, or any other channel — is provided as general guidance only, not as professional advice, and does not create a duty of care or client relationship.

Indian tax law is amended every year through the Union Budget, and throughout the year through Finance Acts, CBDT Circulars, Notifications, Press Releases, and judicial decisions from the Income Tax Appellate Tribunal, High Courts, and the Supreme Court. GST law similarly changes through GST Council decisions, notifications, and circulars issued by the CBDT and Ministry of Finance.

We update our website content regularly to reflect material changes in law. However, we cannot guarantee that every page on our website reflects the most current legal position at the precise moment you read it. Specifically:

• Budget announcements made after content was published may change tax slabs, deduction limits, or filing requirements.
• CBDT Circulars and Notifications issued between content updates may alter how a rule applies in practice.
• GST Council decisions may change GST rates, exemptions, or return filing frequencies.
• Court decisions may change the interpretation of provisions described on this website.

Khajanchi Brothers Private Limited — through its website content or professional services — does not guarantee any specific outcome in relation to:

• Tax refunds: We cannot guarantee the amount of any income tax refund you may be entitled to, or the timeline within which the Income Tax Department will process and credit it. Refund processing is entirely at the discretion of the Income Tax Department.
• Assessment outcomes: Filing a return through us does not guarantee that the return will be accepted without scrutiny, that no notice will be issued, or that a particular deduction or exemption will be accepted by the assessing officer.
• GST credit claims: ITC (Input Tax Credit) claims are subject to verification by the GST Department and may be disallowed if the supplier has not filed their returns correctly. We cannot guarantee the outcome of ITC claims.
• Trademark registration: Filing a trademark application does not guarantee registration. The Trademark Registry may raise objections, third parties may oppose, and registration may be refused. Timeline estimates are approximate and subject to the Registry's workload.
• Company incorporation: While most incorporation applications are processed smoothly, MCA may raise queries or require additional information, which could extend the timeline. Name availability is subject to MCA's approval.
• Tax savings: Any indication of potential tax savings from regime comparison or deduction optimisation is based on the information provided by you and the law as it stands at the time. Actual savings depend on final assessment, which is at the discretion of the Income Tax Department.

Khajanchi Brothers is a CA and legal compliance firm. We are not a SEBI-registered investment adviser, a SEBI-registered research analyst, an insurance broker, a mutual fund distributor, or a financial planner.

Any references on our website or in our communications to investment instruments — such as ELSS mutual funds (mentioned in the context of Section 80C deductions), PPF, NPS, or insurance products — are made solely in the context of explaining their tax treatment and deductibility. They do not constitute investment advice, a recommendation to buy or sell any financial product, or an endorsement of any specific financial product or provider.

• We do not recommend specific ELSS funds, NPS fund managers, or insurance products.
• We do not receive commissions or referral fees from any financial product provider for mentions of their products on our website.
• Investment decisions should be made based on your own risk appetite, financial goals, and with the guidance of a SEBI-registered investment adviser.

Our website may contain links to external websites including government portals, regulatory authority websites, and other third-party resources. These links are provided solely for your convenience and reference.

• We do not control the content, privacy practices, accuracy, or availability of any external website.
• A link to an external website does not constitute our endorsement of that website or any information, product, or service it offers.
• Government portals (such as incometax.gov.in, gst.gov.in, mca.gov.in, and ipindia.gov.in) are operated by the Government of India and are subject to their own terms, policies, and availability.
• We are not responsible for any loss or damage arising from your use of, or reliance on, content on any external website linked from ours.

If you follow a link to an external website, we encourage you to read that site's own privacy policy and terms of use before submitting any personal information there.

All statutory filings — income tax returns, GST returns, company registrations, trademark applications — are made on government portals operated by the Government of India. These portals are entirely outside our control.

• Portal downtime: Government portals experience technical downtime, particularly around statutory filing deadlines. We will make every effort to file before the deadline, but we are not liable for penalties or late filing fees caused by portal downtime, technical errors, or server failures on the government's systems.
• Processing times: The time taken by government authorities to process filings — issue a GSTIN, incorporate a company, grant a trademark — is entirely at their discretion and beyond our control. We cannot be held responsible for delays in government processing.
• Portal data: Information visible on government portals (AIS, Form 26AS, MCA company data, GSTIN database) is maintained by the government. Errors or omissions in government-held data must be resolved with the relevant authority — we can assist you in raising these, but we are not responsible for inaccuracies in government records.
• Changes to portal procedures: Government portals change their processes, forms, and requirements periodically. Our website descriptions of portal processes may not reflect the most current portal interface or procedure.

We make every reasonable effort to ensure that the information published on this website is accurate, complete, and up to date. Our team of qualified Chartered Accountants reviews and approves the content of our technical articles and guides.

However, we make no representation or warranty — express or implied — that:

• The information on this website is free from errors or omissions.
• The information is complete and covers all relevant scenarios for your situation.
• The information is current and reflects the most recent amendments to law or regulations.
• The website will be available at all times without interruption or technical errors.

If you find any information on our website that appears to be incorrect or outdated, we would appreciate you letting us know at info@khajanchibrothers.com. We review such reports promptly and update content where necessary.

Client testimonials and case study references that appear on our website represent the genuine experiences of specific clients in specific circumstances. They are not guarantees that every client will have an identical experience or outcome.

• Tax savings, refund amounts, or timelines mentioned in testimonials reflect the specific client's circumstances — income level, deductions, state, employer type — which may differ significantly from yours.
• Testimonials are published with the client's knowledge and consent, and reflect their honest experience at a point in time.
• Past performance or experience of other clients does not guarantee a similar outcome for you.
• Where we refer to typical timelines (e.g., "ITR filed in 24 hours"), these reflect our standard performance under normal conditions with complete documents. Actual timelines depend on document readiness, government portal availability, and the complexity of your case.

To the fullest extent permitted by applicable law, Khajanchi Brothers Private Limited, its directors, CAs, employees, and agents shall not be liable for any loss or damage of any kind arising from:

• Your reliance on any general information, article, guide, FAQ, or other content published on this website.
• Any decision you make based on website content without obtaining specific professional advice for your individual situation.
• Any inaccuracy, error, or omission in website content, even if we were aware of the possibility of such inaccuracy.
• Any interruption, suspension, or unavailability of this website or any page on it.
• Any content on external websites linked from this website.
• Any delay, failure, or error in government portal processing after we have correctly submitted a filing on your behalf.

This limitation applies to direct, indirect, consequential, incidental, and special damages — including loss of income, loss of profit, loss of data, or any other financial loss.

This Disclaimer, and all matters arising from your use of this website, are governed by the laws of the Republic of India. The courts at Jhansi, Uttar Pradesh shall have exclusive jurisdiction over any dispute arising from your use of this website or reliance on its content.

The information on this website is directed primarily at users in India. While we serve NRI and OCI clients, we make no representation that the content on this website is appropriate for use or applicable to the laws of any jurisdiction outside India. If you are accessing this website from outside India, you do so at your own initiative and are responsible for compliance with local laws.

If you have any questions about this Disclaimer, or if you believe that any content on our website is inaccurate, outdated, or misleading, please reach out to us. We take content quality seriously and welcome corrections from anyone who identifies an error.

For professional advice specific to your tax or legal situation — which is what we recommend over relying on website content — please contact us through any of the channels below. Your first consultation is always free.