Refund Policy

Last updated 13 Aug 2026

1. When A Refund Is Issued

• You cancelled the order before dispatch, under the Cancellation Policy.
• We cancelled an item because it was out of stock, undeliverable to your pin code, or incorrectly priced.
• A returned item passed quality check under the Return Policy.
• The parcel was lost in transit or declared undeliverable and returned to us.
• You refused a visibly tampered or damaged parcel at the door.
• A payment was debited but the order did not confirm because the gateway timed out.

2. The Original Payment Method Rule

A refund is credited back to the instrument the payment came from. A card payment returns to the same card, a UPI payment returns to the same virtual payment address, a net banking payment returns to the same bank account and a wallet payment returns to the same wallet. This is how the Reserve Bank of India expects refunds to be handled, and it is also the only route that keeps your bank statement reconcilable. We cannot redirect a refund to a different card or a different person account. The single exception is cash on delivery, where there is no electronic instrument to reverse, so we ask you for a bank account number and IFSC in your own name.

3. Refund Timelines By Payment Method

We initiate the refund from our side within the timeline below. The time after that belongs to the payment network and your bank, which is why a card refund takes longer than a UPI refund.

Working days exclude Sundays and bank holidays. A refund is complete from our side once the payment partner returns a reference number, which we publish on your order page so you can quote it to your bank.

4. Failed And Pending Transactions

If money left your account but the order did not confirm, the transaction did not reach us in a completed state. In almost every case the payment gateway auto reverses it to the source within a few working days without any action from you. The Reserve Bank of India harmonised turn around time framework for failed transactions requires such reversals to be completed within a defined period and provides for compensation to the customer where the bank or the operator exceeds it. If the amount has not returned, raise a ticket with the bank reference number and the date, and we will pursue it with the gateway on your behalf.

5. What Is Deducted

1. Outbound shipping is not refunded on a change of mind return, because that service was already performed. It is refunded in full when the fault was ours.
2. Cash on delivery handling charge is not refunded on a change of mind return, and is refunded when we cancelled the order or the item was defective.
3. Coupon and promotional value is not returned as cash. A coupon that applied across several items is apportioned, and only the amount you actually paid for the returned item is refunded.
4. Bank cashback and instant discounts are settled between you and your bank under that offer terms. Where a bank reverses an instant discount because the order was cancelled, that reversal is not something we control.
5. Missing accessories found at quality check are handled by rejecting the return, not by a partial deduction, so that you keep the choice.

6. Refunds On Partly Returned Orders

Where you return some items and keep others, the refund is calculated on the actual paid value of the returned items. If returning an item takes the order below a free shipping or coupon threshold that it originally met, the benefit that no longer applies is adjusted from the refund. The order page shows this calculation line by line before you confirm.

7. Refunds And The GST Invoice

A refund includes the GST you paid on the returned item, because the tax follows the supply. A credit note is issued against the original tax invoice, and both documents remain downloadable from My Orders. If you claimed input credit on the original invoice, reverse it in the return for the period in which the credit note is issued.

8. Chargebacks

If you raise a chargeback with your bank while a refund is already in progress, the two processes collide and the money can be held longer, not returned faster. Talk to us first with the ticket number. Where a chargeback is raised on an order that was delivered and accepted, we will contest it with the delivery record and the signature or one time password captured at the door.

9. If A Refund Is Late

Check the reference number on your order page and quote it to your bank, which can locate the credit even when it has not yet appeared on the statement. If the timeline in section 3 has passed, raise a ticket and ask for escalation. Escalations may also be sent to info@shopinnkart.com. We acknowledge complaints within forty eight hours as the Consumer Protection (E-Commerce) Rules 2020 require.

Frequently Asked Questions

Can I get my refund in a different bank account?

Only for a cash on delivery order, and only into an account in your own name. Electronic payments must reverse to the source instrument.

Can I have store credit instead of a refund?

The default and the guaranteed route is the original payment method. Where a credit option is offered on your order page you may choose it, but you are never required to.

Money was debited but I have no order. What do I do?

Wait for the gateway auto reversal, which usually completes within a few working days. If it does not, raise a ticket with the bank reference number and we will pursue it with the gateway.

Will I get the GST amount back?

Yes. The refund includes the tax charged on the returned item, and a credit note is issued against the original invoice.

My EMI is still being billed after a refund.

The bank cancels the EMI plan after it receives the reversal, and it can lag by one billing cycle. Interest already charged is reversed by the bank once the plan is closed.