Refund Policy

Refund Rules

UBNA FINTECH PRIVATE LIMITED follows a fair and documented process for reviewing eligible refund requests.

1. Eligible Cases

• Duplicate payment due to system/banking error.
• Wrong amount collected due to a verified operational mistake.
• Payment collected for a service that could not be initiated due to verified internal failure.

2. Non-Refundable Cases

• Charges/fees that were clearly disclosed and accepted before processing.
• Cases where processing work has already been completed or verification has been initiated.
• Delay/rejection due to missing/incorrect customer documents or incorrect information provided by the customer.

3. Request Process

1. Submit a request with transaction details and the reason for refund.
2. We verify payment records and relevant case history.
3. If approved, the refund is initiated through the original/verified bank channel.

4. Processing Timeline

Refund verification typically takes 5-7 business days. After approval, settlement time depends on banking network timelines.

5. Required Information

• Customer name and registered phone number.
• Transaction ID, date and amount.
• Loan or application reference (if available).
• Short written reason for request.

6. Policy Updates

We may revise this policy when required by operational or regulatory needs. Any updated version is published on this page.