Cancellation, Refund and RTO Policy

Last Updated: October 30, 2026

1. Customer-Initiated Order Cancellation

  • Pre-Dispatch Cancellation: Customers can cancel an order free of charge if the cancellation request is submitted before the parcel is packed and dispatched (i.e., before the courier AWB is generated). As payments are auto-verified, contact customer care promptly at contact@bankadhikari.com or WhatsApp +91 7488810055 with your Order ID. A 100% full refund will be issued.
  • Post-Dispatch Cancellation: Once a shipment is handed over to the courier partner, an order cannot be canceled mid-transit. The shipment must proceed under the Return to Origin (RTO) or Return and Replacement policy.

2. Cancellation by Bank Adhikari

We reserve the right to cancel any order prior to dispatch under the following circumstances:

  • Delivery destination PIN code is completely unserviceable across our courier network.
  • Ordered item is out of stock, discontinued, or fails pre-dispatch functional testing.
  • System pricing errors or typographical inaccuracies on the product catalog.

In such cases, our team will notify you immediately, and a 100% full refund will be processed to your source account.

3. Return to Origin (RTO) Policy

When an order cannot be delivered and is returned to our warehouse by the carrier, refunds are processed according to the underlying cause:

A. Customer-Attributable RTO (Freight Deductions Apply)

If a delivery failure occurs due to reasons attributable to the customer, including:

  • Incomplete, wrong, or invalid delivery address or missing landmark;
  • Phone number unreachable, incorrect, or repeatedly switched off;
  • Customer unavailable during repeated delivery attempts;
  • Refusal to accept the shipment at the doorstep without valid justification;

Then the parcel will be returned to origin. The actual forward freight charges and return freight charges incurred will be deducted from the refund. The net balance will be refunded to the customer only after the returned item arrives back at our warehouse and passes physical inspection.

B. Courier-Attributable RTO (Zero Customer Liability)

If the delivery failure or RTO is caused by a courier operational failure (such as parcel misrouting, transit damage, shipment loss, or false delivery attempts by courier staff), Bank Adhikari will investigate the matter and provide:

  1. A 100% Full Refund of the entire purchase amount without any deductions; OR
  2. Immediate Reshipment of the order via an alternative courier at no additional cost.

4. Refund Processing Timelines and Method

  • Refund Mode: All refunds are credited directly back to the original source bank account or UPI VPA from which the payment was made. We do not issue cash refunds.
  • Internal Processing Time: Approved refunds are initiated by our accounts team within 5 to 7 working days following reconciliation.
  • Bank Credit Time: Depending on your banking network, an additional 2 to 4 working days may be required for the funds to reflect in your bank account statement.

5. Legal Jurisdiction

All disputes, claims, or legal actions relating to order cancellations, refunds, or RTO deductions shall be subject to the exclusive jurisdiction of the competent courts in Samastipur, Bihar, India.

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