law: Railways Act, 1989
  102. Exoneration from liability in certain cases. 
  Notwithstanding anything contained in the foregoing provisions
  
  of this Chapter, a railway administration shall not be responsible for the loss,
  
  destruction, damage, deterioration or non-delivery of any consignment,- 
  (a) when such loss, destruction, damage, deterioration or
  
  non-delivery is due to the fact that a materially false description of the
  
  consignment is given in the statement delivered under sub-section (1) of
  
  section 66, or,
  (b) where a fraud has been practiced by the consignor or the
  
  consignee or the endorsee or by an agent of the consignor, consignee or the
  
  endorsee; or
  (c) where it is proved by the railway administration to have
  
  been caused by, or to have arisen from- 
  (i) improper loading or unloading by the
  
  consignor or the consignee or the endorsee or by an agent of the consignor,
  
  consignee or the endorsee.
  (ii) riot, civil commotion, strike, lock-out
  
  stoppage or restraint of labor from whatever cause arising whether partial or
  
  general; or
  (d) for any indirect or consequential loss or damage or for loss
  
  of particular market.