1 Loan Cancellation
Customer loan cancellation ki request tab tak kar sakta hai jab tak loan amount disburse nahi hua hai:
- Before Disbursement: Loan approval ke baad lekin disbursement se pehle, customer bina kisi charge ke loan cancel kar sakta hai
- After Disbursement: Loan amount disburse hone ke baad cancellation nahi hogi, lekin customer loan ko prepay/foreclose kar sakta hai
- Cooling-Off Period: Loan disbursement ke 24 hours ke andar, customer cancellation request kar sakta hai (subject to terms)
2 Refund Policy
Refund in situations mein applicable hai:
- Overpayment: Agar customer ne EMI amount se zyada payment kar diya hai
- Double Payment: Technical error ya galti se ek hi EMI ka double payment ho gaya hai
- Pre-closure Excess: Loan foreclosure mein agar excess amount paid hai
- Processing Fee: Agar loan application reject ho gayi hai aur processing fee refundable thi
- Failed Transaction: Payment debit hua lekin server par success record nahi hua
3 Refund Timeline
Refund approve hone ke baad, ye timeline follow hoti hai:
| Payment Method | Refund Timeline |
|---|---|
| UPI (Google Pay, PhonePe, etc.) | 3-5 Business Days |
| Debit Card | 5-7 Business Days |
| Credit Card | 7-10 Business Days |
| Net Banking | 5-7 Business Days |
| NEFT / RTGS | 3-5 Business Days |
| Cash Payment | 7-14 Business Days (via bank transfer) |
4 How to Request a Refund
Refund request karne ke liye ye steps follow karein:
Contact Our Team
Email karein info@zmmfinancial.com par ya call karein +91 84689 19051 par
Provide Details
Loan ID, Transaction ID, Payment date, Amount, aur refund reason share karein
Verification
Hamari team 24-48 hours mein aapki request verify karegi
Refund Processed
Verification ke baad refund initiate kar diya jayega (timeline above table mein hai)
5 Non-Refundable Charges
Ye charges refundable nahi hain:
- Processing Fee: Agar loan disburse ho chuka hai toh processing fee refund nahi hogi
- Late Payment Penalty: EMI late hone par lagi penalty non-refundable hai
- Foreclosure Charges: Loan early close karne ke charges
- Legal/Recovery Charges: Default ke kaaran lage recovery charges
- Stamp Duty & Documentation Fee: Government charges aur documentation fees
6 Failed Transactions
Agar online payment ke dauran transaction fail ho gayi aur amount debit ho gaya:
- Amount automatically 3-5 business days mein aapke account mein wapas aa jayega
- Agar 5 business days ke baad bhi refund nahi aaya, toh humse contact karein
- Transaction screenshot ya bank statement share karein proof ke taur par
- Hum Razorpay payment gateway se coordinate karke refund process karenge
7 Dispute Resolution
Refund se related koi dispute hone par:
- Pehle hamari customer support team se baat karein
- Agar satisfied nahi hain toh grievance officer ko email karein
- Hum 15 working days ke andar dispute resolve karne ki koshish karenge
- Agar phir bhi resolve nahi hota, toh consumer forum ya court mein jaane ka adhikaar hai
8 Contact for Refunds
Refund ya cancellation se related kisi bhi query ke liye:
- Email: info@zmmfinancial.com
- Phone: +91 84689 19051
- Working Hours: Mon-Sat, 10:00 AM - 7:00 PM
- Company: ZMM Financial Consulting Private Limited