Refund & Cancellation Policy

1. Overview

Behariji Dealers Pvt Ltd is a lending / financial services provider. Payments collected through our website and online payment channels relate to loan and financial services — including application/login fees, processing fees, documentation charges, evaluation/legal fees, insurance charges, and EMI/loan repayments. This policy explains when such payments are refundable or non-refundable, and how to request a refund.

2. Non-Refundable Fees

The following charges are collected against services that are performed or costs that are incurred at the time of payment, and are therefore non-refundable once the corresponding service has commenced:

• Login / application fees
• Processing fees
• Documentation, legal and evaluation charges
• Insurance premium / charges (once the policy is procured on your behalf)

These fees cover administrative, verification and evaluation work and cannot be refunded even if the loan is subsequently not availed or is rejected, except where required by applicable law or the terms of your loan agreement.

3. Loan Repayments (EMIs & Other Dues)

Payments made towards EMIs, interest, principal, overdue amounts, bounce charges or any other loan dues are adjusted against your loan account as per your loan agreement and are not refundable. Any adjustment for overpayment will be handled through your loan account as described in Section 4.

4. Duplicate, Erroneous or Excess Payments

If you are charged more than once, make a payment in error, or pay an amount in excess of what is due:

• Please notify us within [7] days of the transaction with your payment/transaction reference (UTR / Payment ID).
• On verification, the confirmed excess/erroneous amount will be refunded to the original payment method (or adjusted against your loan account, at your option), typically within [5–10] working days of approval.
• Refund timelines may vary depending on your bank / card issuer / payment provider.

5. Cancellation of Loan Application

You may withdraw a loan application at any time before disbursement. Any non-refundable fees already paid (see Section 2) will not be returned. Once a loan is disbursed, it is governed by the terms of your loan agreement and cannot be “cancelled” — it must be repaid or foreclosed as per those terms.

6. How to Request a Refund

Send your request with the transaction reference (UTR / Payment ID), registered mobile number and reason to:

• Email: support@beharijifinserv.com
• Phone: +91-9090803131
• Address: Registered office address

7. Grievance Redressal

If your refund request is not resolved to your satisfaction, you may escalate to our Grievance Officer:

• Name: Grievance Officer Name
• Email: grievance@beharijifinserv.com
• Phone: +91-9090803131

8. Amendments

We may update this policy from time to time. The latest version will always be available on this page.

9. General

All refunds and cancellations are subject to your loan agreement, the Company’s internal policies, and applicable regulations issued by the Reserve Bank of India (RBI) and other authorities.