Refund and Cancellation Policy

We provide various digital and instant services, including:

• NSDL PAN Services
• UTIITSL PAN Services
• Mobile Recharge Services
• DTH Recharge Services
• Insurance Premium Payment Services

Since these are digital and electronically processed services, our refund rules are as follows:

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1. Refund Eligibility

Refund will be issued only under the following valid cases:

PAN Services (NSDL & UTIITSL)

Refund applies only if:

• Payment was successful but the service could not be processed due to a system error.
• Amount was deducted but no Application / Token / Coupon / Order ID was generated.
• Customer made duplicate payment for the same PAN service.

Mobile & DTH Recharge Services

Refund applies only if:

• Recharge failed and no recharge confirmation ID was generated.
• The amount was deducted but the operator did not complete the recharge.
• Duplicate payment for the same mobile/DTH number.

Insurance Payment Services

Refund applies only if:

• Payment was successful but policy premium was not updated or not accepted by the insurer.
• No receipt or reference number was generated due to system error.
• Duplicate payment was made for the same policy.

2. Non-Refundable Situations

Refund will NOT be issued if:

For PAN Services (NSDL/UTIITSL)

• PAN application is already submitted or processed.
• Wrong documents, wrong details, or incomplete forms were supplied by the customer.
• Delay caused by NSDL/UTIITSL, which is not under our control.
• Customer requests cancellation after successful submission.

For Mobile & DTH Recharge

• Recharge has been successfully completed by the operator.
• Wrong number or wrong amount entered by the customer.
• Delay in recharge due to operator network issues.

For Insurance Payments

• Premium is already updated in the insurer system.
• Wrong policy number or wrong details entered by the customer.
• The customer changes their mind after payment.

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3. Refund Method

• Approved refunds will be credited to the original payment method (PhonePe / UPI / Bank).
• We do not issue cash refunds or refunds to alternate payment accounts.

4. Refund Processing Time

• Refunds will be initiated within 3–5 working days after verification.
• Bank / PhonePe processing time may vary depending on their policies.

5. Third-Party Processing & Delays

Many of our services depend on NSDL, UTIITSL, Mobile Operators, DTH Operators, and Insurance Companies.

Any delay or processing issue on their side is not eligible for refunds.

6. Required Information for Refund Requests

To request a refund, customers must provide:

• Transaction ID
• Payment screenshot
• Mobile number / PAN service details / Policy number
• Date and time of transaction

Refund will be processed only after proper verification.

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