Refund & Return Policy

RIRA CAPITAL

Powered by RJ Finserv Solutions Private Limited

Effective Date: 05 October 2026

Last Updated: 05 October 2026

1. Overview

RIRA Capital, powered by RJ Finserv Solutions Private Limited, provides loan assistance, financial product facilitation and customer support services by connecting eligible customers with various banking and financial lending partners.

RIRA Capital is not a bank or NBFC and does not independently sanction, approve or disburse loans. Final loan approval, loan amount, interest rate, tenure, processing fee and other applicable charges are determined solely by the respective lending partner, subject to its policies and eligibility criteria.

2. No Return Policy

As RIRA Capital primarily provides digital loan assistance and financial facilitation services, there is no physical product involved. Therefore, product return or exchange is not applicable.

3. Refund Policy

Any amount paid towards a specific service, if applicable, will be considered for refund only where:

- The payment was successfully received but the corresponding service was not initiated due to a technical or operational issue attributable to RIRA Capital.

- A duplicate payment was made for the same service.

- The payment was received by RIRA Capital in error and is verified as refundable.

- Refund is otherwise required under applicable law or the agreed terms of the relevant service.

Refund eligibility will be reviewed after verification of the transaction and supporting documents.

4. Non-Refundable Situations

Refunds will generally not be available where:

- The customer voluntarily withdraws or cancels a loan application after the service/process has been initiated.

- The loan application is rejected by a bank/NBFC/lending partner.

- The customer is found ineligible as per the lender's credit or eligibility criteria.

- The customer does not provide required documents or information.

- The customer provides incorrect, incomplete or misleading information.

- The customer changes their mind after receiving or using the assistance/service.

- The loan is not sanctioned or disbursed due to the lender's internal policies, credit assessment, verification, documentation or other reasons beyond RIRA Capital's control.

- Any fee or charge is imposed directly by the respective lender and is governed by that lender's terms and conditions.

5. Loan Processing Charges

RIRA Capital does not guarantee loan approval or disbursal.

Where any processing fee, documentation fee, verification charge or other lender-related charge is applicable, the same shall be subject to the terms and disclosures of the concerned lender.

Customers should review the applicable loan terms, Key Fact Statement (KFS), sanction letter and other documents provided by the lending partner before accepting a loan.

6. Refund Request Process

For a refund request, customers should contact RIRA Capital through the official contact details available on our website and provide:

- Customer Name

- Registered Mobile Number

- Transaction/Payment Reference Number

- Date and Amount of Payment

- Reason for Refund Request

- Supporting documents, wherever applicable

RIRA Capital may request additional information for verification.

7. Refund Processing

Once a refund request is received, it will be reviewed and verified.

If approved, the eligible refund will normally be processed to the original payment method used for the transaction, subject to payment gateway/banking timelines and applicable regulations.

The actual crediting time may vary depending on the customer's bank or payment service provider.

8. Loan Cancellation

Submitting a loan application does not guarantee loan approval.

A customer may request cancellation of an application before loan disbursal, subject to the applicable stage of processing and the terms of the concerned lending partner.

If a loan has already been sanctioned or disbursed, cancellation, foreclosure, prepayment or applicable charges will be governed by the respective lender's terms and applicable regulations.

9. Third-Party Lenders

RIRA Capital may facilitate access to loan products offered by third-party banks, NBFCs and other lending partners.

Any refund, cancellation, processing fee, interest, foreclosure charge or other amount relating to a loan product may be governed by the concerned lender's terms and conditions.

Customers are advised to review the lender's official documents before proceeding.

10. Fraudulent or Unauthorized Transactions

If a customer believes that an unauthorized or fraudulent transaction has occurred, they should immediately contact RIRA Capital and their bank/payment provider.

RIRA Capital may require transaction details and supporting documents to investigate the matter.

11. Policy Changes

RIRA Capital reserves the right to modify or update this Refund & Return Policy from time to time to reflect changes in services, business practices, technology or applicable laws and regulations.

Any updated policy will be published on this website with the revised effective/update date.

12. Contact Us

For refund, cancellation or payment-related queries, please contact:

RIRA CAPITAL

Powered by RJ Finserv Solutions Private Limited

Website: www.rjfinservsolutions.com

Email: info@rjfinservsolutions.com

Mobile: +91 84589 93136 / +91 97555 56192

Office: Pithampur, District Dhar, Madhya Pradesh – 454775, India

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Important Disclaimer:

RIRA Capital is a loan assistance/facilitation platform and does not itself guarantee loan approval or disbursal. Loan approval, terms, interest rates, fees and disbursal are subject to the respective lender's eligibility criteria, verification and policies.