This refund policy shall be applicable for payments made by our loan client / borrower using our ‘Sakhee’ mobile application. Scope of policy is as hereunder.

• A - In all such transactions where (i) money is deducted from loan client / borrower’sbank account without crediting loan client / borrower’s loan account and (ii) the money is credited in our account then Lokkalyan Microcare Foundationwill process refund of such transaction in 5-7 working days. A successful transaction is one where the money deducted from the loan client / borrower’sbank account is credited in the loan account number details of which are provided by the loan client / borrower’s in the ‘Sakhee’ mobile application.
• B - No adjustment or return will be given if a transaction is successfully completed and amount is credited in the loan account of loan client / borrower’s as per details provided by him while doing the payment using our ‘Sakhee’ Mobile Application.
• C - Refund, if any, will be made in the same account of the loan client / borrower’swhich was used for payment of due amount / outstanding amount.
• D - In case amount is debited from loan client / borrower’s bank account but the same is not credited in Sonata’s account then the payment gateway service provider shall be responsible to resolve the issue.
• E - Refund policy of the payment gateway service provider will be applicable on cases not covered herein above.
• F - All disputes will be subject to Lucknow jurisdiction only.