Last updated: August 2026

This Refund Policy applies to the AJMONEY website, portal, and related services operated by Amrut Jivan Technologies Private Limited (the "Company", "AJMONEY", "we", "us", or "our"). AJMONEY is a product of Amrut Jivan Technologies Private Limited. It should be read together with our Terms & Conditions and Privacy Policy.

AJMONEY is a facilitator of digital payment, recharge, bill payment, and related services provided through banks, NPCI, BBPS, telecom operators, travel aggregators, and other third-party providers. Refund eligibility depends on the nature of the service and confirmation from the relevant provider.

1. General Principles

  • A successful transaction that has been completed with the end service provider is generally non-refundable.
  • If a transaction fails, remains pending, or is not credited to the beneficiary or operator, we will investigate and process a refund or wallet/credit reversal where the amount is confirmed as not consumed.
  • Refunds, where approved, are credited to the original source (partner wallet, working capital, or payment instrument) used for the transaction, unless otherwise required by law or the payment partner.
  • Service charges, convenience fees, GST, and commission already settled may not be refundable except where the underlying service itself failed.

2. Partner Registration and Commercial Fees

The Partner registration fee payable to become an AJMONEY Retailer, Distributor, or Super Distributor is non-refundable, as stated in our Terms & Conditions.

Working capital or wallet deposits are not a product purchase. Unused working capital may be returned after settlement of outstanding dues, pending complaints, chargebacks, and verification, subject to Company process and applicable deductions. Processing of such settlement may take a reasonable period after written request and account closure formalities.

There is no refund for loss of business, expected commission, inactivity, or termination of the Partner appointment as per the Terms & Conditions.

3. Recharge (Mobile, DTH, Data)

Once a recharge is successfully processed by the telecom or DTH operator, it cannot be cancelled or refunded by AJMONEY. If you entered an incorrect number or plan, please contact the operator; AJMONEY cannot reverse a successful recharge.

If the amount is deducted but the recharge is not received, raise a complaint with the transaction ID. After confirmation of failure from the operator, the amount will be reversed to the Partner wallet or original payment source, typically within 3–7 working days of confirmation (operator timelines may be longer).

4. BBPS and Bill Payments

Electricity, gas, water, broadband, insurance, FASTag, credit card, and other BBPS or billed payments that are accepted by the biller cannot be refunded by AJMONEY. Duplicate payments or overpayments must be taken up with the biller as per their policy.

If a bill payment fails or remains pending and the biller confirms non-receipt, AJMONEY will reverse the amount after confirmation from BBPS or the biller, usually within 5–15 working days depending on the biller cycle.

5. AEPS, Micro ATM, CMS and QR Payments

Cash withdrawal, cash deposit, Aadhaar-enabled, Micro ATM, CMS collection, and QR payment transactions are processed through banks and payment networks. AJMONEY does not hold customer funds beyond facilitation.

Failed or disputed transactions will be handled as per NPCI, bank, and network dispute cycles. Approved reversals are credited as per bank/network timelines, which may extend to 45 days or more in dispute cases. Partners must report discrepancies to AJMONEY within twenty-four (24) hours as required under the Terms & Conditions.

6. PAN Card and Other Government-Linked Services

Fees paid for PAN Card or similar applications that have already been submitted to the issuing authority are generally non-refundable. If an application could not be submitted due to a confirmed system or process failure on our side, the applicable fee may be refunded after verification.

7. Travel Booking (Bus, Flight, Hotel)

Cancellation and refund of bus, flight, or hotel bookings follow the operator, airline, or hotel policy and the fare rules of the ticket. AJMONEY is a booking facilitator and cannot override third-party cancellation charges.

Refunds for eligible cancellations are processed only after we receive confirmation and funds from the travel partner. The amount and timeline depend on the operator. Convenience fees charged by AJMONEY, if any, may be non-refundable.

8. Unauthorized Charges

If you notice charges for purchases or services on our platform that you did not authorize, please first verify with family members, staff, or colleagues who may have access to your payment methods or Partner login.

If the charge remains unrecognized, report it to AJMONEY and to your bank within thirty (30) days so that we may assist with investigation where applicable. Unauthorized use arising from sharing of credentials, OTP, or inadequate outlet security is the Partner's responsibility.

9. How to Request a Refund or Reversal

To raise a request, provide:

  • Transaction ID / reference number;
  • Date, amount, and service type;
  • Partner ID (if applicable);
  • Description of the issue and supporting proof (screenshot, receipt, operator message).

Contact us at info@amrutjivantech.com or 9558307907, or use the Contact Us page. We may ask for additional documents for verification.

10. Processing Time

After a refund is approved and confirmed by the relevant provider, wallet reversals on the AJMONEY portal are typically completed within 3–7 working days. Bank or card refunds may take 7–15 working days, or longer if the bank or network dispute process applies. AJMONEY is not responsible for delays at banks, operators, or NPCI/BBPS after we have initiated the reversal.

11. Chargebacks and Set-off

If a payment is later reversed, charged back, or found to be fraudulent, AJMONEY may recover the amount from the Partner's wallet, working capital, or future commission. The Company may set off any amount due from the Partner against any amount payable to the Partner.

12. Changes to This Policy

We may update this Refund Policy from time to time. The version published at https://www.ajmoney.in/refund-policy.html is effective upon posting. Continued use of the Services constitutes acceptance of the updated Policy.

In case of inconsistency between this Refund Policy, the Privacy Policy, and the Terms & Conditions, the terms applicable to the specific service and the Partner agreement shall prevail to the extent of such inconsistency.

13. Contact Us

By using AJMONEY, you acknowledge that you have read and understood this Refund Policy.