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Refund Policy

SE Finance is engaged in the business of lending and as such refund can be issued in the case of following circumstances only:

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1. Firstly, when the customer has paid his EMI either in excess or duplicate EMI, then i.e., the factors for which customer is solely responsible. (Duplicate or Excess payments) 


2. Secondly, when customer pays for the services but later on decide that he does not wish to avail them. (Incomplete Transactions) 

We would like to clarify that refunds shall be considered only, in case customer requests a refund where excess EMI has been collected from customers provided that the customer has never delayed the payment beyond 30 days (i.e., never gone in DPD above 30).

In the event a request for refund is made by the Customer for duplicate or excess payments or incomplete transactions to SE Finance, as the case may be, the customer agrees that SE Finance shall refund such amounts as may be decided by SE Finance in its sole discretion from time to time. 

Upon receiving the refund request through mail, the Senior Management at SE Finance shall decide on whether the request for a refund can be processed, contingent on the reasons for such a request. Please note that SE Finance reserves the right to take the final and binding decision with regard to requests for refund. Most importantly, SE Finance clarifies that in cases outside it's control, including but not limited to national holidays, department holidays, delays on the part of the Government of India, the respective State Governments, affiliates or elsewhere, acts of war, acts of God, earthquake, riot, sabotage, labour shortage or dispute, internet interruption, power disruption, lack of phone network connectivity, technical failures, breakage of sea cable, hacking, piracy, SE Finance shall not liable for any delays. 

If SE Finance confirms the request for refund, subject to the terms and conditions mentioned herein or elsewhere, SE Finance will send you an e-mail or any other convenient mode seeking the details required to refund the amount which may include Bank Account details such as the account number and the IFS code of the branch in question. 

Kindly note that it will take a minimum of about 48-72 working hours from the receipt of all such information to process the refund and initiate the transfer. SE Finance would like to reiterate once again that only where excess EMI has been collected from customers provided that the customer has never delayed the payment beyond 30 days (i.e., never gone in DPD above 30), subject to the discretion of the Senior Management at SE Finance.

 

At SE Finance, we are continuously working on improving our services and we welcome any suggestions from your end. For any other queries please contact out customer service desk at https://www.sefin.in/contact-us/

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Changes to this Refund Policy 

We may update Our Refund Policy from time to time. We will notify You of any changes by posting the new Refund Policy. You are advised to review this Refund Policy periodically for any changes. Changes to this Refund Policy are effective when they are posted on https://www.sefin.in/refund-policy

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Contact Us

If you have any questions about this Refund Policy, You can contact us:

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