Refund Policy

90-Day Refund Commitment Policy

At Sanvika Credit Advisory Private Limited, we believe in transparent and customer-friendly service.

Any fees paid to Sanvika Credit Advisory for consultation, credit advisory, or related advisory services are eligible for a 100% refund within 90 days from the payment date, subject to the refund eligibility conditions mentioned below.

Please note that the 90-day period applies only to refund eligibility and not to service completion timeline.

Conditions for Refund Eligibility

To remain eligible for a refund, the customer must actively participate in the advisory process and fully cooperate with Sanvika Credit Advisory.

Customer must:

  • Attend scheduled weekly review calls / meetings (minimum 15 minutes each) based on mutually available time slots

  • Stay reachable and responsive on call, WhatsApp, email, or other agreed communication channels

  • Share all required documents, statements, emails, NOCs, and updates on time

  • Follow agreed action steps and cooperate throughout the advisory process

Refund Will NOT Be Applicable If

Refund will not be applicable in the following cases:

  • Customer repeatedly misses or does not attend scheduled weekly review calls

  • Customer becomes unreachable or non-responsive after payment

  • Customer fails to provide required documents or important updates necessary for advisory support

  • Customer voluntarily discontinues participation in the advisory process

  • Customer does not reasonably cooperate despite repeated follow-up

Service Duration & Scope Clarification

The customer pays Sanvika Credit Advisory for resolution of the specific advisory work / issue agreed at the time of onboarding, and not for a fixed number of service days.

If the agreed work is completed earlier (for example within 30, 45, or 60 days), the fees paid shall remain fully applicable, and no partial or proportional refund will be provided based on early completion.

Similarly, if the same agreed work takes longer than 90 days, 180 days, or more due to delays from any bank, NBFC, credit bureau, lender, or other external institution, the customer will not be required to pay any additional advisory fee for that same agreed scope of work.

Fees paid are applicable only for the specific work agreed at the time of payment. Any new, additional, or unrelated advisory work outside the original scope may be charged separately.

Important Disclaimer

Sanvika Credit Advisory provides professional guidance, documentation support, follow-up assistance, and strategic recommendations only.

We do not guarantee loan closure, CIBIL correction, credit score improvement, lender approval, settlement acceptance, or issue resolution.

Final results depend on bank / NBFC policies, lender processes, documentation, credit bureau updates, and customer cooperation.

Refund Processing

Once a refund request is received and eligibility is verified by Sanvika Credit Advisory, the approved refund amount will be processed within 7 working days through the original payment method or any mutually agreed method.

Contact Us

SANVIKA CREDIT ADVISORY PRIVATE LIMITED
Phone: 022 69710533 / 9930035666
Website: www.sanvikacreditadvisory.in