Hi Rumy
This is what I got:
=IF(AND(SUM(A2:C2)=0,D2=0),E2-F2,IF(SUM(A2:C2)=0,D2,SUM(A2:C2)))

If I am reading the problem correctly,
Luke's formula is shorter and, therefore, more elegant, but it adds E and F,
rather than subtracting F from E.
With the following revision, I like Luke's better:
=IF(SUM(A2:C2)=0,IF(D2=0,E2-F2,D2),SUM(A2:C2))
The both test out the same.
M

"Rumy" wrote:

I have a unique scenario and need assiatance to create a formula.

I have dollar amounts in A,B,C,D,E,F columns. I need a result in G

it should be A+B+C. If A+B+C equals 0 the result should be D. If D also
equals 0 then the result should be E - F. Please help. Thanks.