Refund and Cancellation Policy

Dhanio processes thousands of transactions daily. Our automated refund system ensures no user ever loses money due to a failed transaction. Every failed transaction triggers an automatic refund — no manual request needed in most cases.

• Successful credit: Non-refundable once money is in your wallet
• Failed transaction: Auto-refunded to source (UPI/bank) within 5–7 business days
• Partial credit: Contact support immediately with your transaction ID

• Successful recharge: Non-refundable (as per telecom operator policy)
• Failed recharge: Auto-refunded to Dhanio wallet within 24 hours
• Pending recharge: Status updated within 2 hours; auto-refunded if not completed

• Successful payment: Non-refundable once confirmed by the operator
• Failed payment: Auto-refunded to Dhanio wallet within 24 hours
• Disputed payment: Contact support with transaction ID for investigation

• Premature withdrawal: Not permitted before the lock-in period ends
• On maturity: Principal automatically credited to Main Wallet
• Interest: Credited along with principal on the maturity date

• Reward credits are non-withdrawable to a bank account
• Can only be used for services within Dhanio
• Validity: 12 months from the date of credit; expired rewards are forfeited

1. 1Check your transaction status in the Dhanio app under Transaction History.
2. 2Failed transactions are auto-refunded — no action required in most cases.
3. 3If not received within the stated timeline, email support@dhanio.co.in with your registered mobile number, transaction ID, amount and date.
4. 4Our team responds within 24 hours on business days.
5. 5Refund is processed within the timeline stated in the table above.