Refund Policy

1. Wallet Deposits

Funds added to your Vridi wallet via UPI, NEFT, RTGS, or IMPS are credited to your wallet and remain available for investment or withdrawal. Wallet deposits are not "invested" until you explicitly commit to a deal.

If a wallet deposit fails or is erroneously charged, the amount will be refunded to the source bank account within 5–7 business days upon verification.

2. Investments in Active Deals

Once you commit capital to a deal and the deal is marked as funded, your investment is locked until the deal matures. We do not offer early exit or cancellation for active deal investments because:

• Funds have been committed to the escrow pool for disbursement to the borrower
• There is no secondary market for deal positions on the platform
• Early exit would disrupt the escrow structure for other investors in the deal

Your investment, plus accrued returns, will be credited to your wallet on the deal's maturity date.

3. Deals That Do Not Reach Funding Target

If a deal fails to reach its minimum funding target within the subscription window, all committed investments are automatically returned to investors' wallets in full, within 2 business days of the subscription window closing. No fees are charged on unfunded deals.

4. Platform Fees

Platform fees are charged only on returns earned — not on principal invested. Fees are disclosed on each deal page before you invest.

Platform fees are non-refundable once a deal has matured and returns have been distributed. In the event of borrower default where no returns are realized, no platform fee is charged.

5. Wallet Withdrawals

Withdrawals from your wallet to your registered bank account are processed within 1–2 business days. Withdrawal requests are not reversible once submitted. If a withdrawal fails (e.g., due to an inactive bank account), the amount is returned to your wallet and you can re-initiate with correct details.

6. Account Closure Refunds

On account closure, any available wallet balance will be transferred to your registered bank account within 15 business days. Active investments will be managed to maturity, after which proceeds will be transferred to your bank account directly.

7. Disputes

For any transaction dispute or refund request, email support@vridi.in with your registered email, the transaction reference, and details of the dispute. We will respond within 2 business days.