This Refund Policy outlines the conditions under which refunds may be processed. We are committed to maintaining transparency and fairness in all transactions in compliance with RBI guidelines and digital lending standards.

1. Nature of Fees

Processing fees or service charges, if applicable, are collected for loan application processing, verification, and operational costs. These charges are clearly disclosed before payment.

2. Non-Refundable Charges

The following charges are generally non-refundable:

• Processing fees after successful submission
• KYC verification and document handling charges
• Service fees once loan processing has been initiated

3. Eligible Refund Scenarios

Refunds may be considered only under the following conditions:

4. Refund Process

To request a refund, users must contact our support team with valid proof of payment.

• Refund requests must be raised within 7 days of transaction
• Verification may take 3–5 working days
• Approved refunds will be credited within 7–10 business days

5. Mode of Refund

Refunds will be processed only through the original mode of payment. No cash refunds will be provided.

6. Third-Party Payments

If payment is made through a third-party payment gateway, refund timelines may depend on the respective provider’s policies.

7. Fraud Prevention

Any misuse, fraudulent claim, or chargeback abuse may result in permanent suspension of services and legal action.

8. Regulatory Compliance

This policy is aligned with RBI digital lending guidelines and applicable financial regulations. All charges and refunds are governed by applicable laws.

9. Contact for Refund

For refund-related queries, please contact:

📧 contact@nirmanfincap.com

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