Refund Policy
What happens to your money if an investment is not confirmed.
1. Bonds are not refundable products
Once an investment is confirmed and a certificate is issued, the amount is invested in the bond for its tenure. It cannot be "refunded"; it is repaid on maturity, or earlier only through an approved early-exit withdrawal where the bond permits (see Terms).
2. When we do refund
| Situation | What we do | Timeline |
|---|---|---|
| Payment received but the investment request is rejected (e.g. KYC incomplete, bond closed) | Full amount refunded to the source bank account | Within 7 working days of rejection |
| Amount received exceeds the request | Excess refunded; the requested amount is invested | Within 7 working days |
| Payment from a third-party account (not in your name) | Refunded to the source account after verification | Within 10 working days |
| Duplicate payment for the same request | Duplicate refunded | Within 7 working days |
| You cancel a request before payment is reconciled | Any amount received is refunded | Within 7 working days |
3. How refunds are paid
Refunds are made only by bank transfer to the account the money came from, or to your verified registered bank account. We do not refund in cash or to third parties. Bank charges, if any, levied by your bank are not reimbursed.
4. Interest on refunds
No interest accrues on amounts pending reconciliation or refund.
5. How to request
Raise a support ticket in the app (Profile → Support) or email support@fundgrowth.in with your reference number and payment UTR. Every refund is recorded on your statement with its reference.