Refund & Cancellation Policy

Effective Date: 21 May 2025
Company: Zenith Gold Federation Private Limited (Brand: Zenith Finance)
Website: https://zenithfinance.site
Registered Address :FLAT NO. 303,BLDG NO.9B,MANGALMURTI NAGAR,Vasai,Thane,Maharashtra,India-401208

At Zenith Finance, we believe in transparency and customer-first service. Our Refund & Cancellation Policy outlines the circumstances under which a refund or cancellation may be applicable to our financial services.

1. Loan Disbursal and Cancellation

Once a loan is successfully approved and disbursed to your registered bank account, the transaction is final and non-cancellable. As a regulated financial transaction, it cannot be reversed or refunded under standard conditions.

However, loan applicants may request cancellation before the disbursement by contacting customer support. Such cancellations are only accepted if the loan has not been sanctioned or disbursed at the time of request.

2. Refund Scenarios

Refunds are processed only under specific and rare circumstances, such as:

  • Duplicate payment made by the customer (e.g., EMI paid twice)

  • Incorrect deductions due to technical or processing errors

  • Overpayment due to system error or bank-side duplication

In these cases, the customer must email support with proof of payment, transaction reference number, and bank details. Refunds will be issued only after internal verification.

3. Refund Processing Time

Once a refund is approved:

  • Processing Time: Within 5–7 business days

  • Refund Credit Time: The refunded amount will reflect in the customer’s original payment method/account within 7–10 business days (depending on the bank or payment processor)

If there are any delays, our team will communicate proactively.

4. Non-Refundable Fees

The following charges are non-refundable under all circumstances:

  • Processing Fees

  • Late Payment Fees

  • Bounce Charges

  • Convenience Fees

  • Interest accrued during the loan period

  • Foreclosure Charges (if applicable)

5. Dispute Resolution

In case of any disputes regarding refunds or charges:

  • Contact our customer support first at support@zenithfinance.site

  • If unresolved, escalate to the Grievance Officer listed below

  • Disputes will be addressed under the guidelines of RBI and applicable Indian laws

6. Contact for Refunds

Customer Support
Email: support@zenithfinance.site
Phone: +91 7888129343

Grievance Officer
Name: Mr. Saurav Jaiswar
Email: support@zenithfinance.site
Availability: Monday to Friday, 10:00 AM to 6:00 PM

7. Policy Updates

This policy may be modified periodically to reflect service or regulatory changes. The latest version will always be available on our official website. Continued use of our services after updates constitutes acceptance of the revised policy.