Refund & Cancellation Policy — Annapurna Consultancy

📋 Overview

At Annapurna Consultancy, we strive to deliver high-quality services in Banking CSP, PAN Card, Digital Signature Certificates (DSC), Insurance, and Mobile Recharge. We understand that situations may arise where a refund or cancellation is needed, and this policy outlines how we handle such requests.

                All refund requests must be submitted within the applicable time window. Requests made after the deadline will not be entertained.
            

📊 Service-wise Refund Eligibility

Service	Refundable?	Time Limit	Conditions
PAN Card Application	Conditional	Within 24 hours	Before submission to NSDL/UTIITSL
DSC (Digital Signature)	Conditional	Within 48 hours	If DSC token not yet issued
Mobile Recharge	Conditional	Within 2 hours	Only if recharge failed & balance not credited
Insurance Premium	No	—	Non-refundable once policy issued
Banking CSP Registration	No	—	Non-refundable after document processing
Service / Consultation Fees	No	—	Non-refundable under any circumstances

❌ Cancellation Policy

You may request cancellation of a service under the following conditions:

Cancellation request must be submitted before the service has been processed or forwarded to the relevant authority
Once a PAN or DSC application is submitted to NSDL, UTIITSL, or the DSC authority, cancellation is not possible
Recharge orders cannot be cancelled once initiated with the operator
Insurance policies cannot be cancelled once issued (subject to insurer's own policy)

⚠️ Cancellation of a service does not automatically guarantee a refund. Refund eligibility is determined separately as per the table above.

✅ Conditions for Refund

A refund will be processed only if:

The service was not delivered due to a technical error on our part
Duplicate payment was made for the same order
The recharge amount was debited but not credited to the destination number
DSC token was not issued within the agreed timeline due to our fault
The application was rejected by the authority due to incorrect data entered by our team

                Refunds will not be issued for rejections caused by incorrect information provided by the customer.
            

🔄 Refund Process

To request a refund, follow these steps:

1

Contact Us: Email us at support@annapurnaconsultancy.in with your order/application details.

2

Provide Details: Include your full name, mobile number, service name, payment amount, transaction ID, and reason for refund.

3

Review: Our team will review your request within 3–5 working days and contact you for any clarification.

4

Decision: You will be notified of the approval or rejection of your refund request via email or phone.

5

Refund Credit: Approved refunds will be credited to the original payment method within 7–10 working days from the date of approval.

💰 Refund Method

Refunds will be issued through the same payment method used at the time of purchase:

UPI / Bank Transfer — 3 to 7 working days
Debit / Credit Card — 5 to 10 working days
Net Banking — 3 to 7 working days
Cash payments — Refunded in cash or via bank transfer

Processing timelines depend on your bank or payment provider and may vary.

🚫 Non-Refundable Scenarios

No refund will be issued in the following situations:

Service fee / consultancy charge paid for processing
Application rejected due to wrong information submitted by the customer
Customer changed their mind after the service was initiated
Recharge credited to a wrong number provided by the customer
DSC token delivered but customer claims non-receipt without valid proof
Insurance premium paid and policy already issued
Delays caused by third-party authorities (NSDL, UTIITSL, banks, etc.)

⚖️ Dispute Resolution

If you are not satisfied with the outcome of your refund request, you may escalate the matter by:

Sending a written complaint to our registered office address
Contacting us via our website's support section
Approaching the appropriate consumer forum in Odisha, India

All disputes shall be subject to the jurisdiction of courts in Odisha, India.

🔄 Changes to This Policy

We reserve the right to modify this Refund & Cancellation Policy at any time. Changes will be effective immediately upon posting to this page. We encourage you to review this policy periodically.

💳 Refund & Cancellation Policy