Refund & Cancellation Policy
Thank you for choosing Sri Murugan Gold House. Please read this policy carefully regarding payment cancellations, failures, refunds, and scheme redemptions.
1. Gold Scheme Installment Cancellation
Payments made towards our gold scheme represent dynamic gold weight accumulation. Once an installment payment is processed and confirmed, it **cannot be cancelled or refunded in cash**. Upon completion of the scheme tenure, the accumulated value can only be redeemed as physical gold ornaments from our physical store.
2. Online Transaction Failures & Double Payments
In the event of an online transaction failure where the money is debited from your bank account/card but the payment confirmation is not generated by our system, or in the case of accidental double debit:
- The payment gateway (Razorpay) will automatically flag and process a refund.
- Refunds are credited back to the **original payment source** (e.g. credit/debit card, net banking account, or UPI handle).
- The refund transaction generally takes **5 to 7 business days** to reflect in your bank account, depending on your bank's processing cycles.
3. Jewellery Booking Cancellations
For advance bookings of bespoke or custom-designed jewellery items made at our physical store, cancellation terms will be detailed on your advance receipt. Custom order advance payments are generally non-refundable as materials and craftsmanship are deployed immediately upon design finalization.
4. Support Contact
For any payment-related disputes or refund status inquiries, please contact our helpline:
Sri Murugan Gold House Customer Support
Phone: 04639 256444 | Email: saran1310@gmail.com