ADITSH FINTECH PRIVATE LIMITED
www.aditshfintech.com

Refund & Cancellation Policy

Overview

ADITSH FINTECH PRIVATE LIMITED (“Company”) is committed to fair and transparent practices in line with applicable Reserve Bank of India (RBI) guidelines. This policy outlines the terms for refunds, cancellations, and adjustments related to our loan services.

When Refunds Are Applicable

Refunds may be processed in the following situations:

• Loan Not Disbursed / Rejected:Refund of applicable fees, if any, as per disclosed terms.
• Cancellation Before Disbursement:No penalty; refundable amount returned after deducting disclosed charges.
• Cooling-Off Cancellation (Post Disbursement):Borrower may exit within the defined period by repaying principal + proportionate interest.
• Excess / Duplicate Payment:Full refund of excess or duplicate amounts.
• Incorrect Charges / System Errors:Any wrongly debited amount will be refunded.
• Mis-selling / Unauthorized Charges:Verified cases will be fully refunded.

Prepayment / Foreclosure

• No prepayment or foreclosure charges on floating-rate loans to individual borrowers, as per RBI guidelines.
• Any excess charges, if applied, will be refunded.

Non-Refundable Charges

The following charges, if disclosed and agreed, are generally non-refundable:

• Processing fees (after approval)
• Documentation charges
• Third-party charges (credit bureau, legal, valuation, etc.)

Refund Timeline & Mode

• Refunds are processed within 7–10 working daysfrom approval.
• Amount is credited via:

• Original payment mode, or
• Registered bank account (NEFT/RTGS/IMPS/UPI)

Security / Collateral Release

Upon full loan repayment:

• All collateral/security documents will be released
• Refundable deposits (if any) will be returned

Grievance Redressal

For any refund-related queries or complaints:

📧 Email: cs@lendaxis.in
🌐 Website: https://www.fundrupe.in/
📞 Customer Care: +91 8273255403