Last updated: January 2026
This policy explains how Capital Hind Finance Private Limited handles refunds and cancellations relating to EMI payments, processing fees and loan-related transactions made through our website.
EMI payments made via UPI, netbanking or card through our payment gateway are applied to your loan account and are non-refundable, since they represent repayment of an existing loan obligation. If you have made a payment in error (e.g. duplicate payment, incorrect amount, or wrong loan account), please contact us within 7 days with your transaction reference for review.
If an amount is debited from your account but the payment is not reflected against your loan due to a technical failure, the amount is typically auto-reversed by the payment gateway/bank within 5-7 working days. If it is not reversed automatically, contact us with your UTR/transaction ID and we will help you follow up with the payment provider.
Loan processing fees, once the loan has been sanctioned and processing has commenced, are generally non-refundable. If a loan application is withdrawn before sanction, any refundable portion of fees (if applicable) will be assessed on a case-by-case basis.
If you wish to foreclose or prepay your loan, please contact your relationship manager or our support team. Foreclosure charges, if any, are as specified in your loan agreement and will be communicated before processing.
For any payment dispute or refund query, reach us at credit@chfpl.com or through our Contact page. For UPI/card-specific issues, you may also raise a dispute with your bank or Razorpay directly.