Refund Policy

At Dhanjyoti Capital, we strive to provide high-quality financial services and complete transparency to all our customers. Please read the following Refund Policy carefully before proceeding with any transactions or service requests.

1. Non-Refundable Services

All payments made towards loan processing fees, documentation charges, verification fees, or any other administrative services are strictly non-refundable. Once the payment is successfully made, it is deemed final and cannot be reversed, regardless of the outcome of the loan application.

2. Refund Validity – 12 Days Policy

Any request for refund must be initiated within 12 calendar days from the date of payment. Beyond this period, Dhanjyoti Capital will not entertain any refund claims under any circumstances. This policy is in place to ensure smooth processing, internal audit tracking, and regulatory compliance.

Refund requests raised within the 12-day window will only be considered if:

• The loan application was cancelled before credit evaluation or document verification.
• The company failed to initiate the process or delayed it beyond 30 working days without valid justification.
• The payment was made in error or duplicate payment was processed.

3. Non-Eligible Refund Scenarios

The following scenarios will not be eligible for a refund:

• Loan rejected due to applicant’s credit profile or incomplete documentation.
• Voluntary withdrawal of application after processing has started.
• Disbursement refusal by applicant after final approval.
• Refund request raised after 12 days of payment.

4. Refund Process

In case of a valid refund claim within the stipulated time frame, the amount (after deduction of applicable administrative charges) will be refunded to the original payment method within 7 to 14 business days. You will be notified via email once the refund is processed.

5. How to Request a Refund

To initiate a refund request, kindly write to us at info@dhanjyoticapital.com with the subject line "Refund Request – [Your Full Name / Application ID]". Please include payment proof, date of transaction, and reason for the refund.

6. Contact for Queries

If you have any questions or concerns regarding this Refund Policy, feel free to contact our customer care team:

Dhanjyoti Capital
Diamond House, 9 Vatchagandhi Road, Gamdevi, Mumbai, Maharashtra, India – 400007
Phone: +91 9153887109
Email: info@dhanjyoticapital.com