Attract success & anything
else you desire.

Desire is the starting point of
all achievement.

Build your own income, generate your asset and
acquire great wealth.

Make money today and fulfil
the dreams tomorrow.

  • Why Msure

    As we are committed to uplift your lifestyle and empowering you to financially free life.
  • Business Opportunities

    The following words used in Business Opportunity shall have the meaning
  • Products

    1. First purchase product.

    2. Repurchase product.

    3. Special categories product.

Latest News
  • On 01-02-2014
    The yellow code will be deactivate on 1st Feb' 2014 if the exiting yellow coded Distributor are not getting any payout within the period.
  • On 01-02-2014
    The Red Code will be deactivate after 30 days of log in if not convert to green.The code should be activate within 90 days of log in with penalty @ Rs.400/-.
  • On 01-02-2014
    Please Log in your Distributorship with proper Mobile number.
  • On 01-02-2014
    Please update your PAN and Bank A/C to get the proper payouts.
  • On 01-01-2014
    We are in new look with latest business opportunities and products.
  • On 01-01-2014
    Our weekly closing on Monday and payout will be disbursed on Thursday.
  • On 01-01-2014
    Our third system generated payout will be disbursed on 24th January 2014.
  • On 01-01-2014
    System generated Red code will be blocked after 30 days.
  • On 01-01-2014
    Please update your KYC form in our website against your joining immediately with proper documents.
  • On 20-01-2014
    Yellow code registration will be close on On 20th January' 2014 at 6 P.M.
Meeting Schedule
  • On 01-01-2014
    Meeting schedule will come here.
  • On 01-01-2014
    Meeting schedule will come here.
  • On 01-01-2014
    Meeting schedule will come here.
  • On 01-01-2014
    Meeting schedule will come here.
  • On 01-01-2014
    Meeting schedule will come here.
Our Bankers

Msure Retails Pvt. Ltd., coupled with the opportunity to achieve the financial success, with people who want to enjoy the benefits of a healthy lifestyle and healthy income. Foundation of the company’s distributor-driven humanitarian arm, is committed to service activities that addresses community needs wherever Msure Retails Pvt. Ltd. conducts business around the world. Every day, in every way, Msure is Together, Building People through Products, success, and services.


Msure Retails Pvt. Ltd. is one of three pillars at the heart of Together, Building People and following Msure’s distributor success. We believe that we have a responsibility to give back and help those who are less fortunate.

Our goal is to make a real difference in the lives of people and their families in the countries where Msure does business. By creating long-lasting relationships with on-the-ground aid organizations and families, we are building a legacy of service that allows the people in need to eventually stand on their own two feet and become productive citizens in their communities.


To provide basic system knowledge to one and all. To market "Quality products" and services at competitive prices. To provide lasting "Self Employment" opportunities. To create more and more employment opportunities. To create Brand awareness across India. To develop Income opportunities that improves economic status of India. To become the best direct selling company for India.

Earning Opportunity CLOSE LOOK

Yours Business is committed to bring economic revolution by giving you the wonderful self-employment business opportunity in direct to customer marketing that will inspire you to change your life forever by earning a steady flow of income while doing work with commitment and dedication for excellence. Your destination for an enduring success is determined by the amount for efforts you put in and which will enable you to achieve financial freedom and security.

Msure Founder’s Fundamentals
  • An opportunity to earn for their well-being and happiness To provide individuals.
  • Full-time or part-time business.
  • Products of the highest quality backed by a guarantee of satisfaction.
  • To provide most conducive environment.
  • Power to transform lives positively.
  • Recognition to all, on whose contributions Msure depends.
  • Development of talents and abilities.
  • To share with others the rewards of growth and success.
  • To maintain and cherish the friendly spirit of Msure.
  • Embrace an Exemplary Teamwork Spirit.
  • Close Customer Relationship.
  • Quality is the First Priority.
  • Outstanding & Innovative Planning.
  • Re-evaluation.
  • Transparency & Integrity.
  • Customer Delight.
  • Distinctive Knowledge.
  • Excellent Job Execution.
  • Continuous Development.
Business Opportunity

The following words used in Business Opportunity shall have the meaning as defined as under:

A) Business Value (BV)

Business Value is the value of a product on which the Sales Incentive is calculated. It can be seen on company's website. The B.V. of product shall be declared by the company from time to time. Business Value can also be changed from time to time by the company.

Note: 1 BV = Rupee. 1/-

B) Pair Point (PP)

Pair point is the value of matching (Binary ) Incentive. All matching bonus will be done on the basis of this calculation .

C) Power Hand/Hands (Group) and Weaker Hand/ Hands (Group)

The highest Business Value is called Power Hand of Business Distributor and the other Hand are called Weaker Hand. It may be different in different months.

D) Prospect

Business Distributor who promote new person to become Business Distributor in his/her group is termed as aProspect.

E) Sponsor

Just immediate upline of new applicant is termed as a Sponsor

Special Privilege
You will obtain 15/20/50 (as per Kit selection) special discount coupons. Value of each such coupon is Rs.50/-. If you buy our "Special" Category of products, each of such coupons will be adjusted as discount against each and every individual item purchased.
Business Plan
Matching Bonus
Matching Bonus (weekly):
10 PP : 20 PP or 20 PP : 10 PP
1st pair matching and onwards
10 PP : 10 PP
Weaker side PP will be flashed out and power side PP will be carried forward after every payout.

(a) Every 1st pair of every week will be counted as Hyper Binary Systems*.
(b) From 2nd pair onwards till unlimited depth the binary payout will be counted 10PP : 10PP @Rs. 300.
(c) Weekly Capping is 600 PP.
(d) Trimming is applicable (if needed).

*Hyper Binary Systems: Total No. of new member joining in a week x Rs.100 / The number of Qualifiers.
Security Zone
2% of company’s global product BV turn over fund will be distributed amongst the Deceased (Death caused due to accident only) More than one Deceased the said fund will be distributed equally.

Note: Postmortem and FIR report must be required for the claim.
Retail Profit
MRP (Maximum Retail price) - DP (Distributor Price) = 10% - 20%.
Redemable Gift Voucher
Gift Voucher
Kit-1 : Rs.1099 : Rs 50/- x 15 Vouchers = 750/-
Gift Voucher
Kit-2 : Rs.1499 : Rs 50/- x 20 Vouchers = 1000/-
Gift Voucher
Kit-3 : Rs.2999 : Rs 50/- x 50 Vouchers = 2500/-

# The Voucher will be redeemed against the purchasing of special categories products only. One voucher will be redeemed against the purchasing of single product.

# The Voucher will be listed in the associate panel after generating the code of the distributor according to the Kit selection. After consumption of the vouchers, the consumed voucher will be deleted from its own specific place.

Loyalty Incentive
According to repurchase, you will enjoy the additional profit (BV) as under
(A) 100 BV to 500 BV 2%
(B) 501 BV to 1500 BV 3%
(C) 1501 BV & Above 4%
Level Incentive
1st 4% 6th .50% 11th .30% 16th .20%
2nd 3% 7th .50% 12th .30% 17th .20%
3rd 2% 8th .50% 13th .30% 18th .20%
4th 1% 9th .30% 14th .30% 19th .20%
5th .50% 10th .30% 15th .20% 20th .20%
Personal Volume Royalty
PVR will be counted on different basis of both the legs.
1-5000 BV 4% 120000 BV 14%
10000 BV 6% 200000 BV 16%
20000 BV 8% 350000 BV 18%
40000 BV 10% 500000 BV 20%
70000 BV 12%    

# Note : e.g, If your left side business is 5000 BV and right site business is 15000 BV. Your total business is 20000 BV. Elaborately, your left side business is 4% and right side business is in 6%, you are in 8%. As per calculation, your PVR income from left side business is 8% - 4% = 4% from your left side group BV. Vice Versa your right side business is in 6% as per calculation, your PVR income from right side business 8% - 6% = 2% from your right side total group BV.

Global Turnover Royalty (GTOR)

Qualifying criteria – When the associate achieves 20% slab from both legs in PVR zone, he / she will be then qualified for the GTOR.

5% of company global BV turnover will be funded as GTOR fund. Distributor will get the benefits as per his / her weaker side business promotion. The fund will be distributed according to the weaker leg business status and it will be distributed according to the weaker leg business proportion.

# Note : Above 500000 BV businesses from weaker side required for GTOR income.

Life Time Achievement Award.
Titan Sonata Wrist Watch
2500 BV : 2500 BV
Titan Sonata Wrist Watch
7500 BV : 7500 BV
Induction Oven (Branded)
20000 BV : 20000 BV
Induction Oven (Branded)
Digital Camera (Branded)
50000 BV : 50000 BV
Digital Camera (Branded)
TAB / Refrigerator (Branded) / Tour with spouse
100000 BV : 100000 BV
TAB / Refrigerator / Tour with spouse
Founder Ruby
Laptop / LED (Branded)
200000 BV : 200000 BV
Laptop / LED (Branded)
Pulsar Bike
500000 BV : 500000 BV
Pulsar Bike
Founder Sapphire
Nano Car
1500000 BV : 1500000 BV
Nano Car
Maruti Alto Car
3000000 BV : 3000000 BV
Maruti Alto Car
Founder Emerald
Bolero Car
5000000 BV : 5000000 BV
Bolero Car
Innova Car / Duster Car
1 Cr. BV : 1 Cr. BV
Innova Car / Duster Car
2BHK Flat in Surrounding Kolkata.
1.5 Cr. BV : 1.5 Cr. BV
2BHK Flat in Surrounding Kolkata.
Executive Diamond
2 Cr. BV : 2 Cr. BV
Register Now
  1. All incentives will be given to only those Business Distributors whose minimum purchase of Msure Products is 50 BV in the relevant month.
  2. Except abnormal reasons there will be a system of Closing of the Performance Bonus calculation on every Monday midnight and the payment will be released on Friday . R The calculation of Repurchase Incentives will be done on last working day of the month   the payment will be released on 10th of the very next month.
  3. Payment of Sales Incentive shall be made by any of the following mode of Banking System PAY/REWARDS CARD /NEFT / RTGS / INTER BANKING TRANSFER. For this, it is mandatory to give correct bank details and other necessary information .
  4. If any defect is found in any of the Msure First purchased packages, the same can be returned/ exchanged within 7 days from the date of purchase.
  5. The company does not give any guarantee of earnings nor does it give out any money on recruitment of distributors. Incentives can only be earned by Msure Business Distributors of the company by effecting purchase of the products. Incentives will be released after deduction of Government Taxes and 5% or Rs.50/-(which over is maximum) Administrative Fees.
  6. 10% of every individuals payouts will be deducted as Repurchase .
Msure provides You Unlimited Opportunities
  • Are you tired of working long hours making just enough to survive?
  • Running around, working hard, but getting nowhere?
  • Having difficulties getting a job? Feeling financially insecure?
  • Why not try starting your very own business, one that gives you unlimited opportunities?
As one of the Renowned direct selling companies in India, Msure can help you to fulfill your dreams. With just minimum investment – you will be able taken as a part time or full time business. It is accessible virtually by anyone interested in operating an independent business.

Application form for becoming Business Distributor under prospect of any existing Business Distributor has to be submitted through internet and a print out of the same has to be sent to the company Office after signing it by applicant and two witnesses along with the necessary documents.

List of the documents to be submitted along with application form for becoming a Business Distributor.
  • a) Two Passport size colored photograph (Mention Applicant Name   Father/Husband Name on Back Side).
  • b) Self attested photocopy of any of the following documents for photo identification.
    1. Passport (Valid)
    2. PAN Card
    3. Voter's Identity Card
    4. Driving License (Valid)
    5. Written confirmation from the banks certifying identity proof
    6. Domicile certificate with communication address and photograph
    7. Central/State Government certified ID proof
    8. Certification from any of the Authorities mentioned below:
      1. Panchayat Pradhan
      2. Councilor
      3. Sarpanch of Gram Panchayat
  • c) Self attested Photocopy of any of following documents for address proof:-
    1. Telephone bill not older than 6 months
    2. Bank account statement not older than 6 months(Attested by Bank)
    3. Electricity bill not older than six months
    4. Ration card
    5. Passport (Valid)
    6. Driving License (Valid)
    7. Voter's Identity Card
    8. Written confirmation from the banks (Attested by Bank)
    Please note that expired passport cannot be used as address proof, it can be accepted as ID proof.
  • d) Cancelled original signed cheque which has the name printed of account holder or original Bank statement issued and attested by bank for the proof of Bank Account Number.
  • e) Photo copy of PAN Card.

There is no charge for registration as a Business Distributor. After scrutiny of the application form and documents and then the acceptance of applicant as Business Distributor, a Unique/Track ID Number will be given on website. After receiving the ID Number, the Business Distributor has to obtain the ID card by login their personal information on Website.

Sponsorship for new applicant shall be allowed only when prospect first purchase criteria is complete and sponsor complete purchases of minimum 10 PP/15 PP. . If prospect or sponsor does not fulfill this condition, they will not entitled to distributor/sponsor. However Business Distributor will get Incentive as per Business plan by product purchases.


As we are committed to uplift your lifestyle and empowering you to financially free life. We have a attractive compensation plan and highly effective, necessary products developed to meet consumer requirements.

Msure is going to be a leading company in India with Visionary Leadership to Support Your Business
Msure offers You from different backgrounds, industries, flexible working time, workstation, and career development opportunities which are healthy, consistent, stable and faithful.
Mind Blowing Opportunities

Here is the opportunity to have a balanced lifestyle of family and work at the same time. If you are looking for a job that also allows travelling, then seek no more. Create your own opportunity for advancement by becoming an Msure member today!

Who will come first !!!

Direct selling is simply a method of providing goods and services to customers where the retail 'middle man' has been replaced with a network of independent distributors. These independent distributors use a product or service for their own personal retail sales and for the volume of retail business generated by the people they train and lead in their network. Direct selling is based on 'word of mouth' and any business that produces quality products recognizes the power of this form of production.

The money saved by not advertising and the usual margin given to a retailer gets distributed among the independent distributors.

For nearly 50 years, Direct selling has provided a perfect opportunity to people by helping them to be self employed to create additional income and gain better control of their lives. This innovative method of marketing has grow n into a $ 200 billion industry that includes virtually every developed country of the world.

To understand how effective 'word of mouth' is, think of the last time you purchased something ..... clothes, jewellery, furniture or perhaps a car. You probably bought it because of the recommendation of someone close to you. Sometimes you recommend certain products in your circle of friends & relatives and they buy those products.

The fact is that every day we promote other people's businesses without paid for it. In Msure, we've simply taken the 'word of mouth' process and attached a reward to its sales results.

So, by simply sharing the products and business benefits w ith your friends, you could generate an earning for yourself, w hich might become, a very substantial income.

Yes, it is totally dependent upon you. You can start your direct selling business on a part-time without affecting your current source of income. Not just this, but until you desire you can operate this business on a part-time. Nearly ninety percent of men and women in this industry work their business on a part-time basis.

We recommend that you answer this with a question instead, "Do you like sales?" If the person responds affirmatively, then again you can say, "You'll love this!" This certainly sounds like an unclear statement, but in truth, networking is both like and unlike sales.

Direct selling involves the selling of product; therefore it can be termed as sales. However, in traditional sales, the transaction is completed once the product has been purchased. The salesperson moves on to his or her next prospect. This is unlike networking. In networking, the product purchase is just the beginning of a long term business relationship. Thus, this is not anything like sales.

In other words direct selling is a conversational business about sharing the concept and products of a direct selling company that you use and you are excited about sharing the concept and products.

We really do not know. How much do you w ant to earn? How much efforts are you ready to put in? Remember, there is no ceiling placed on you in the Direct Selling industry. It is simply regulated by, "the sky' the limit" and "as fast as you can get there" philosophy.

You get out of it w hat you put into it. If you ask for a little, you will get a little; ask for a lot and you will receive a lot. It works if you work. Look at in this w ay. Remember, the income you create in Direct Selling is residual, which means that for the work you do today; you have the potential to earn money not just for today, but also for years to come.

No, you do not have to sponsor anyone. If you w ant, you can develop only a retail business. Remember, you do w hat you are comfortable with. It is your business. You can make a good income with retail alone; however, building an organization makes the big money. If you go about doing business only in retail, then your business controls you.

However, if you can consistently sponsor just one person in a month or two into your organization, you can build an enormous organization. Sponsoring increases the amount of product flowing, through your MLM business, exponentially. And it boosts your rewards exponentially, too. It reduces the amount of time and effort required.

The quickest way to double your money is to fold it over and put it back in your pocket.
...Old Cowboy Saying

There is no such thing as "get-rich-quick". Anything having value and substance takes time to develop. Sure, there are a few exceptions to that rule but they are extremely rare. In fact, if you dream to get rich overnight, your odds are probably better playing lottery than doing it in business--any business. And if you decide to register with us, plan on dedicating a few hours per w eek for at least a year.

If doctors and lawyers make so much money, why aren't there 20,000,000 people in those professions in our country? It can be summed up in one word: misconception. The general Public just does not understand the direct selling concept or it's potential. But, it is quickly changing. May be they rely on financial losers, friends, and co-workers for advice on how to become wealthy. Perhaps someone has not been considerate enough to discuss the real facts of MLM with them. People do w hat they w ant to do. They have set priorities and may be watching television every night or a cricket match take precedence over building a secure financial future.

Welcome to the club. So w hat! Did your parents set an upper limit to the number of times you could fall down while learning to walk before they made you craw l for the rest of your life? Perhaps you w ere disillusioned when great wealth didn't materialize overnight. Sometimes that does not happen. It is called delayed gratification. A farmer doesn't Plant seeds and expects to harvest the following morning. Direct selling is no different.

There are fair Direct selling companies, great Direct selling companies, and, yet, even some bad and unfair direct selling companies. But direct selling works! You need to align yourself with the right company.

That is exactly why you should consider Direct Selling. Besides creating financial freedom, you can also get personal freedom to do all the things in life you really w ant to do.

Extra time does not hide under the table or carpet. If it is worthwhile, you will make the time. If you don't have the time now, when will you have the time? W e suggests you to grab the time right now instead of waiting for the right time.

This is nothing but another big misconception perpetuated by the Media and rumour-mongers for years. First, there has never been any evidence produced that "saturation” occurs in Direct Selling. Secondly, realize that because Direct Selling is still a very young industry, there are hundreds of millions of prospects world w ide that have never heard of Direct Selling. It will take decades to even make a dent in that.

But here is the primary reason why "saturation" is a myth: Timing. In India, there are hundreds of thousands of thousands of new prospects created every year. Part of that figure is young adults w ho have reached that stage in their lives w here they would consider starting a business. Then there are those w ho have recently experienced a major shift in their lives because of changes at work, at home , etc These same people, w ho just months before could not be consider prospects for Direct Selling, now are suddenly very receptive to the opportunity. The truth is that Direct Selling is wide open and the potential is enormous.

Unfortunately, the truth is that very few people succeed in any endeavour. Most people simply will not do what it takes to succeed. Direct Selling is no different in this regard because it reflects human effort.

Many people get into Direct Selling with the idea that it's some kind of "easy road to get rich". It's not. It takes work. It takes time and dedication. Many people w ant something for nothing and quit w hen they don't get it. They will typically say "I tried it for a w eek and it didn't work, therefore its scam!" This is not a fault of Direct Selling but a reflection of real life.

What does the average person do? The average person quits at anything he attempts. More than 90% of small businesses fail within 2 to 4 years and the owners lose much more than the few thousand rupees, which a typical Direct Selling person invests! The only problem with Direct Selling is that it's simply "too easy" to get into it (usually a few thousand rupees) and, therefore, "too easy" to get out.

This is a "real" business and should be approached as a "real" business, one that you have invested your life savings into. If you w ere a dentist and had sunk Rs 10,00,000/- into equipment to open a practice, not counting Rs 12, 00,000/- and all the years spend to obtain that degree; you would keep working at your practice until you made it work because you had invested too much money in it to give up! Well, that's w hat it takes in Direct Selling too--dedication to keep working until you make it work.

Because of the extremely low money commitment to establish this business, most people treat it as a hobby. They are unable to see the "big picture". Most people w ho get into Direct Selling give it a half-hearted week's try and give up when they realize effort is involved. People, w ho have the vision, drive, and determination to put in the efforts, and actually do w hat it takes to succeed, will succeed! Don't blame failure on the Direct Selling concept. Blame success or failure on the person involved.

A person must be sponsored into the Msure business by an active Msure Business Distributor. The sponsoring Business Distributor is responsible for teaching the new Business Distributor about the Msure business.

There is no cost of joining the Msure business.

No. Msure Business Distributors are independent contractors and not employees of the company.

Msure offers high quality products carrying brand names including apparels, spices, bath care, beauty care etc. Visit the products section for more information on these and other brands.

To become a Msure Business Distributor, an individual must sign an agreement to abide by Msure's Rules of Conduct. Each year, they voluntarily renew that promise when they renew their Msure business. Our Rules promote ethical direct selling principles and provide practical procedures for all Business Distributors to observe in operating their Msure businesses.

The Rules of Conduct, which are largely in accordance with local, legal requirements, mandate certain business practices to ensure compliance with all law s and regulations and to preserve harmony among Business Distributors. Msure has the right to enforce these Rules through its contract with its Business Distributors - up to and including terminating that contract.

Like any small business, it takes hard work to succeed in the business, and that requires time and commitment, especially in the beginning. Our research shows that most people understand this very w ell. But the Msure business does offer flexibility for our Business partners in running their business.

Unlike most conventional jobs, Msure Business Distributors can work at home, when they w ant, at their own space, on their own schedule, according to the goals they have set for themselves. For some, that means if they need afternoon to attend their Childs school, play golf or see a friend, they can arrange their work schedule to allow this. The choice of when, where and how much time to devote to their Msure business is their own. This flexibility is one important reason why the opportunity appeals to so many people around the world.

Our products are price-competitive and good value for the money. We know this from our market surveys, business feedback and ultimately, by the sales growth of all Msure Product lines over the years. Our data show s that while some of our products are more expensive than their counterparts, others are less expensive and most are competitively priced. Products that are more expensive usually have greater features and benefits over competitive goods. Msure products are highly concentrated; earning a single purchase lasts longer.

On a cost-per-use basis, these products are priced very competitively. It is also important to note that Msure Business Distributors are selling more than just products- they're also selling an exceptional level of service. Msure products are delivered directly to the customer and are backed by the Msure Satisfaction Guarantee.

Msure's extensive product line makes it possible for customers to do virtually all their shopping without leaving home or w worrying about the hassles of returns. Their business Distributor does all the work for them. This convenience is very appealing to many of today's busy people, and for many it is worth a little bit more. The consumer is the ultimate judge of price and value, and our sales success over the years speaks volumes about our product value and customer satisfaction.

You can't make money in the Msure business unless Msure products are sold. To say otherwise misrepresents the Msure Sales and Marketing Plan-a violation of our rules.

The Msure business opportunity is open to everyone, regardless of gender, race, age, religion, or political or other personal beliefs. The Msure business appeals to women, men, couples, and families from all backgrounds. Msure has helped to empower millions of w omen around the India by offering them a low -cost, low -risk opportunity to achieve their goals by owning their own business. This fact is especially gratifying to us. There are countless examples of w omen w ho have achieved success in the Msure business.

Yes. There remain many opportunities for Msure business to grow. Msure has opened its business opportunity in many new states. Msure will also continue to explore new opportunities for growth in our countries, including innovative products and new ways for people to become involved with Msure - as Business Distributors, Product retailers, or Consumers. Right now , Msure is investing in enhancing and expanding our manufacturing and distribution facilities to support the growth we expect in the coming decades. The prospects for growth remain strong.

Absolutely, the Direct Sales and Marketing Plan, with its roots in the basic elements of free enterprise, is a proven business concept. Originating almost half a century ago, this business plan has been continually refined and enhanced to meet the needs of entrepreneurs.

To carry out resale of Msure products, you m ay be required to register with the VAT authorities under the Value Added Tax (VAT) Act of the State in which you are carrying out this business. Under the VAT Act, there are certain threshold limits for registration.

Please refer the table below :
Sl. No.
State Registration
Threshold (Rs.)
Sl. No.
State Registration
Threshold (Rs.)
Andaman N.A.
Andhra Pradesh
Arunac hal Pradesh
Himachal Pradesh
Jammu & Kashmir
Madhya Pradesh
Uttar Pradesh
West Bengal
Notes: 1. Please note that under VAT Scenario, threshold limit for Importer (ie. who purchases goods from another state) the limit will be NIL. 2. In case you expect interstate sales, then you are required to register with the VAT authorities of the State in which you are carrying out this business under the Central Sales Tax (CST) Act. There are no threshold limits for registration under the CST Act, and you are expected to register under the CST and VAT Act from the time you intend to carry out the first interstate sale. In case of resale of Msure products, you are expected to issue invoices to your customers, especially if you are registered for VAT purposes. Any amount collected by you VAT/CST on invoices raised by you must be deposited by you and a copy of the deposit challan submitted along with your VAT/CST returns to the VAT authorities. However, If you are not registered, in this case, you are expected to issue a Customer Receipt. However, before acting on the above information you are requested to consult your Sales Tax/VAT Distributor in your respective states. 3. The figures mentioned above are for general business information only, and should not be construed as conclusive support for any act or omission on the part of MBDs. OCTROI:

OCTROI: Octroi is a Municipal entry tax charged at the entry point of a tow n or city. This tax is payable in cash by the transporter of goods entering the city or town for commercial purposes. Octroi is payable only if the entry address or point of delivery of the goods being sold fall within the Municipal (Octroi) limits of the tow n or city. In case you are selling Msure products in any tow n or city w here Octroi is applicable, then you may be required to pay this tax. However, no prior registration is required for payment of Octroi. Currently, Octroi is applicable only in the State of Maharashtra.


The view s and the figures expressed here are for general information only, and should not be construed as conclusive support for any act of omission or commission on part of the Distributors. Contact for further details This is the information which is appropriate and relevant to MBDs as far as Sales Tax/VAT is concerned.

Applicable Income tax rates.
The applicable INCOME tax rates in case of individuals
Financial Year : 2012-2013
Assessment Year: 2013-2014
General Tax Payers (Male)
Income tax slabs for A.Y. 2013-2014
Income tax slab(in Rs).
0 to 2,00,000
No tax
2,00,001 to 5,00,000
5,00,001 to 10,00,000
Above 10,00,000
Income tax slabs for A.Y. 2012-2013
Income tax slab(in Rs).
0 to 1,80,000
No tax
1,80,001 to 5,00,000
5,00,001 to 8,00,000
Above 8,00,000
General Tax Payers (Female)
Income tax slabs for A.Y. 2013-2014
Income tax slab(in Rs).
0 to 2,00,000
No tax
2,00,001 to 5,00,000
5,00,001 to 10,00,000
Above 10,00,000
Income tax slabs for A.Y. 2012-2013
Income tax slab(in Rs).
0 to 1,80,000
No tax
1,80,001 to 5,00,000
5,00,001 to 8,00,000
Above 8,00,000
Senior citizens (60 to 80 years)
Income tax slabs for A.Y. 2013-2014
Income tax slab(in Rs).
0 to 2,00,000
No tax
2,00,001 to 5,00,000
5,00,001 to 10,00,000
Above 10,00,000
Income tax slabs for A.Y. 2012-2013
Income tax slab(in Rs).
0 to 1,80,000
No tax
1,80,001 to 5,00,000
5,00,001 to 8,00,000
Above 8,00,000
Very Senior citizens ( 80 years and above )
Income tax slabs for A.Y. 2013-2014
Income tax slab(in Rs).
0 to 5,00,000
No tax
5,00,001 to 10,00,000
above 10,00,000
Income tax slabs for A.Y. 2012-2013
Income tax slab(in Rs).
0 to 5,00,000
No tax
5,00,001 to 10,00,000
above 10,00,000

Further, education cess @2% of the [tax plus surcharge (if any)] and secondary and higher education cess @ 1% of [tax plus surcharge (if any)] shall be levied irrespective of the level of the income.

Deduction from income is available for investments made up to Rs. 100,000/- in specified instruments i.e LIC premium, PPF, PF, NSCs, Repayment of housing loan etc. Further deduction up to 20,000/*- is available for Long term Infra Bond

Notes: The view s and the figures expressed here are for general information only, and should not be construed as conclusive support for any act of omission or commission on part of the Distributors.
Disclaimer: The above form is only for the purpose of analysis, tax planning, and approximate tax payable and this should not be treated as Final Calculator. This should not be used to compute the actual taxes to be paid to the Government. The author/maker/provider/site is not responsible for any inaccuracy or damage caused in cash or kind or any inconvenience caused in the tax computed by the calculator.

We stand behind the quality of Msure products. All Msure Products are covered by Msure's Customer Product Refund Policy. If the Customer is not completely satisfied (only Msure brand), he/she is entitled to return the products within 7 days from the date of delivery for a full refund. The refund policy is applicable only for products in marketable condition.

ZBD may return the products within 30 days of purchase as follow s:

Condition Time Period Invoice Payment
Marketable* Within 30 days of purchase Yes Distributor Ac question Price
Within 30 days of purchase No DAP less VAT
Excess Stock** Within 45 days of purchase Yes DAP less 10% handling charges
Within 45 days of purchase No DAP less VAT and 10% handling charges
VAT (Value Added Tax) *Marketable refers to products that are unopened and sealed.
**Excess stock refers to products greater than or equal to six in number.
  • The MBD must return the product(s) to Msure Pick up Centres/Office.
  • Period of return for products is calculated as the number of days from the Invoice Date, to the date of receipt at the Msure Pick up Centre/ Office.
  • Condition refers to the condition in which the stock is received back from the ZBD as a return. The product can be 'marketable' or 'unmarketable' depending on the condition of the returned stock as assessed by the Returns executive at the Msure Pickup Centre/Office.
  • PP/ BV/DAP adjustment of Products returned up till 25th of each month shall be processed in the same month. Total DAP of the returned products will be deducted from the returning MBD's account.
  • If unsold products return is greater than or equal than 6 in number on a single invoice, 10% handling charges will be deducted.
  • The Product Return Policy does not apply to open packs of literature and videos or other sales aids.
  • Total returns cannot exceed the quantity appearing on the Invoice.
  • If products are return by customers directly to Msure, DAP adjustment shall be done from the MBD's account & any excess amount paid shall be recoverable from MBD.
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Msure Retails Pvt ltd
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(Near Baranagar railway Station Booking Office)
PO & PS :Belgharia.

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