Refund Policy

This Refund Policy explains how 1NR, operated by 1NR, handles transaction reversals, service-charge refunds and dispute resolution. Specific rules differ by product — please read the section that matches your transaction type.

1. Bank Transfers (IMPS / NEFT)

Once a bank transfer is initiated and a vendor reference number is issued, the funds leave our control. We will pursue reversal with the destination bank on your behalf when:

• The destination bank rejects the credit (typically T+0 for IMPS, T+1 for NEFT).
• The penny-drop name match fails after the funds were already sent (edge case).
• The vendor times out before settling.

Successful credits to a beneficiary account cannot be reversed by us — you must contact the beneficiary directly to request a return. Service charges on failed transfers are refunded to your wallet automatically within 24 hours.

2. Mobile Recharge / DTH

Recharge transactions are deemed final once the operator confirms the top-up. If the operator returns a "failed" status within 24 hours, the full amount is auto-refunded to your wallet. If the operator confirms success but the customer reports non-receipt, please raise a dispute within 48 hours via our contact form.

3. Wallet load / payouts

Wallet loads that fail at the gateway are refunded automatically to the source instrument within 5–7 working days, controlled by the gateway / card network.

4. Commission & partner payouts

Commission earnings are credited per the slab rules in your partner agreement. Payouts to bank accounts follow the same Bank-Transfer reversal rules above.

5. How to raise a refund request

1. Open the affected transaction from your dashboard.
2. Tap Report an issue and pick the right category.
3. Attach screenshots / reference numbers if available.
4. Our team responds within 1 working day with the resolution path.

6. Refund timelines

• Auto-reversal (wallet) — within 24 hours.
• Gateway refunds — 5 to 7 working days.
• Bank-mandated returns — per RBI timelines (T+5 to T+10).

7. Charges retained

Service charges on a successful transaction are non-refundable once the underlying service has been delivered. GST collected on those charges is remitted to the government per statute and likewise non-refundable from us.

8. Grievance escalation

If a refund issue remains unresolved beyond 7 working days, please escalate to our Grievance Officer (contact details in the app footer). You may also approach the RBI Banking Ombudsman as a last resort.