Refund Complaint Letter Generator India

iGuideline Summary

Indian consumer protection laws require companies to process refunds within their stated timelines. Under the Consumer Protection (E-Commerce) Rules 2020, e-commerce platforms must refund within the timeline stated in their return policy. For UPI failures, NPCI mandates reversal within T+5 days. For banking, RBI requires 30-day resolution. Airlines must refund within 7 business days per DGCA rules. VERIFY_OFFICIAL_SOURCE: Applicable sectoral regulator guidelines.

When to File This Complaint

• E-commerce return accepted but refund not credited within stated timeline
• UPI failed transaction not auto-reversed within T+5 working days
• IRCTC or train ticket refund pending after cancellation
• Bank refund for failed transaction not processed within 30 days
• Insurance premium refund not received during free-look period
• Airline refund not received within 7 business days of airline-initiated cancellation
• Company acknowledged refund but amount not reflecting in your account

Documents Required

• Proof of original purchase — invoice or order confirmation
• Proof of return or cancellation — return tracking number or cancellation confirmation email
• Bank statement showing original payment and the missing refund
• Company's refund initiation email or in-app message
• Transaction ID, UTR, or PNR number as applicable
• Previous complaint reference numbers
• Screenshot of refund status on the company's platform

Common Mistakes to Avoid

• Not tracking the return package or obtaining a return pickup confirmation
• Assuming the refund will come automatically without following up in writing
• Not noting the exact date of cancellation or return to calculate the deadline
• Missing complaint reference numbers when escalating to higher authorities
• Not checking if the refund was sent to a different account or card
• Delaying the complaint beyond the relevant limitation period