Refund & Cancellation Policy

Key Points to Note

• All refunds are subject to the respective Regulated Entity's (RE's) policies, the applicable loan agreement, and approval from the RE.
• NCR Fincorp does not have any independent decision-making authority regarding refunds and acts only as a facilitator in coordinating requests with the RE.
• Any approved refunds may be processed as a reversal or adjusted against the borrower's outstanding loan/credit line, in accordance with the RE's terms.
• Timelines for processing refunds/reversals shall be in line with the RE's policy and/or applicable NPCI/UPI guidelines.
• NCR Fincorp shall not be liable for delays arising from the RE, banking partners, or payment system operators.

How to Raise a Refund / Dispute Request

Users may raise queries or disputes through our customer support channels:

Partnered RE Refund & Cancellation Policies

For disputes relating to loans facilitated through our NBFC partner, users may refer to the following:

RE / NBFC Name	Refund & Cancellation Policy
Aasra Fincorp Private Limited	To be updated upon receipt from RE partner

Note: Refund and cancellation policy links will be published here once made available by Aasra Fincorp Private Limited. This table will be updated as and when additional RE partnerships are formalised.

General Refund Processing Timelines

While specific timelines are governed by the RE's policy and applicable regulatory guidelines, the following indicative timelines apply:

Scenario	Indicative Timeline
Failed / Bounced Transaction (auto-reversal)	3–5 business days (as per NPCI/bank guidelines)
Duplicate Payment	5–7 business days subject to RE approval
Excess Payment / Overpayment	7–10 business days subject to RE approval and loan account reconciliation
Loan Cancellation within Cooling-off Period	As per RE policy; typically within 5–7 business days of approval

Note: These timelines are indicative only. Actual processing timelines are subject to the RE's internal policies, bank processing times, and applicable NPCI/UPI guidelines. NCR Fincorp shall not be held liable for delays beyond its reasonable control.

Cooling-off / Look-up Period

Requests for loan cancellation during the cooling-off period should be raised immediately through help@ncrfincorp.com.

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