Refund & Cancellation Policy

1. Overview

Omshrikanth Finance Pvt. Ltd. is committed to maintaining fair and transparent refund practices for transactions processed through our platform. This Refund Policy explains the circumstances under which refunds may be applicable, the process involved and expected timelines.

2. Eligible Refund Scenarios

Refunds may be applicable in the following situations:

• Transaction Failure with Debit: If your wallet or bank account is debited but the transaction does not reach the beneficiary or service provider, the amount may be refunded after confirmation of the failed transaction.
• Duplicate Transaction: If the same transaction is processed more than once due to a technical issue, the duplicate amount may be refunded after verification.
• Wrong Amount Debited: If an incorrect amount is debited due to a platform-related error, the excess amount may be refunded after investigation.
• Service Not Rendered: If a paid service is not delivered due to a confirmed technical failure on our platform, an eligible refund may be processed after investigation.

3. Non-Refundable Scenarios

• Successfully completed transactions where the requested service has already been delivered.
• Transactions initiated using incorrect beneficiary, mobile, account, operator or other details entered by the user.
• Transactions declined, reversed or restricted by a bank or service provider for reasons outside our control.
• Commission or incentive amounts already credited and utilised.
• Losses caused by sharing OTP, login credentials, PIN or other security information with unauthorised persons.
• Transactions identified as fraudulent, prohibited or in violation of applicable terms and policies.

4. Refund Timelines

5. Refund Processing

Where a refund is approved, it may be credited to the original payment source, registered bank account or platform wallet depending on the transaction type and applicable payment channel.

Processing timelines may vary based on banking systems, payment gateways, service providers, holidays and regulatory requirements.

6. Disputed Transactions

If you believe a transaction has failed or an incorrect amount has been debited, please contact our support team with the transaction reference, amount, date and relevant details.

We may coordinate with banks, payment gateways, billers or service providers to investigate the transaction before approving a refund.

7. Security & Fraud Cases

Refunds may be withheld or delayed where a transaction is under review for suspected fraud, unauthorised activity, regulatory compliance or misuse of the platform.

8. Cancellation

Transactions that have already been successfully processed may not be cancellable. Where a service supports cancellation, applicable cancellation rules and charges of the respective service provider will apply.

9. Changes to This Policy

Omshrikanth Finance Pvt. Ltd. may update this Refund & Cancellation Policy from time to time. The latest version will be published on this page along with the updated effective date.