Cancellation and Refund Policy

1. Nature of the Fee

The fee collected on Kredsutra is an Application Assistance Fee charged for profile review, document handling, and facilitation support in connecting you with financial institutions. It is not a loan repayment or deposit, and it does not guarantee loan approval, sanction, or disbursal.

2. Cancellation

Because assistance and review work begins promptly after payment, the Application Assistance Fee is generally non-refundable once the service has commenced. You may choose not to proceed with any loan option at any time without further charge from Kredsutra.

3. Refund Eligibility

A refund of the Application Assistance Fee will be considered in the following cases:

• Duplicate or accidental payment for the same application.
• A successful payment where the application could not be created due to a technical error on our side.
• Any amount charged in excess of the displayed Application Assistance Fee.

4. Refund Timeline

Approved refunds are processed back to the original payment method through our payment partner within 5–7 business days. The time taken for the amount to reflect in your account depends on your bank or payment provider.

5. How to Request a Refund

To request a refund, contact us through our Contact Us page with your application reference number and payment details. We will respond within our working hours.