Refund Policy
Company Information
This Refund Policy is issued by TOUCHSTONE LENDING PRIVATE LIMITED (CIN: U67120WB1995PTC076057), incorporated on 22 March 2017 and registered with the Registrar of Companies, Kolkata. The company is a registered Non-Banking Financial Institution (NBFC) with the Reserve Bank of India (Certificate No. B-05.03720, 23 June 2017) and does not accept public deposits.
RBI Certificate
B-05.03720 (23 June 2017)
Last AGM
October 2025
Last Balance Sheet
FY 2024-25 (31 March 2025)
location_on Registered Office: 16 Strand Road, Diamond Heritage, 14th Floor, Room No.-1402, Kolkata – 700001, West Bengal, India.
Scope & Eligibility
This Refund Policy applies to payments made towards services, processing fees (where refundable), excess payments, and other eligible financial transactions with TOUCHSTONE LENDING PRIVATE LIMITED.
Refund requests may be considered in situations such as:
- arrow_right Duplicate or Multiple Payments
- arrow_right Excess Amount Paid by the Customer
- arrow_right Failed Transaction with Successful Debit
- arrow_right Payment Processed Due to Technical Error
- arrow_right Incorrect Collection of Charges (where applicable)
- arrow_right Any other refund approved by the Company after verification
info Note: Loan disbursements, EMI payments, interest charges, and contractual obligations are governed by the executed loan agreement and applicable regulatory guidelines.
Refund Process
Customers may submit a refund request by contacting our support team at touchstonelending@gmail.com along with the relevant transaction details.
To help us process your request quickly, please provide:
- check_circle Transaction Reference or Payment ID
- check_circle Registered Mobile Number
- check_circle Customer ID or Loan/Application Number (if applicable)
- check_circle Bank Account Details (if required)
- check_circle Supporting documents or payment proof
schedule Review Timeline: Refund requests are acknowledged within 2 working days. Verification and approval generally take 5–7 working days, depending on the nature of the request.
Refund Timelines
Once a refund request has been approved, the amount will be processed through the original payment method or another approved banking channel.
| Payment Method | Expected Timeline |
|---|---|
| UPI Payments | 2–5 Working Days |
| NEFT / RTGS / IMPS | 3–5 Working Days |
| Net Banking | 3–5 Working Days |
| Credit / Debit Cards | 5–7 Working Days |
Actual credit timelines may vary depending on the customer's bank or payment service provider.
Grievance Redressal
If you have any concerns regarding a refund request or wish to escalate an unresolved matter, you may contact us using the details below:
Email Support
touchstonelending@gmail.comRegistered Office
16 Strand Road, Diamond Heritage, 14th Floor, Room No.-1402, Kolkata – 700001, West Bengal, India.
Important Information
- check_circle Refunds are processed only after successful verification of the transaction.
- check_circle Approved refunds will be credited to the original payment source wherever technically feasible.
- gavel TOUCHSTONE LENDING PRIVATE LIMITED reserves the right to decline refund requests that are found to be fraudulent, incomplete, or inconsistent with applicable laws, regulatory requirements, or contractual obligations.
- update This Refund Policy may be updated periodically to comply with regulatory changes and business requirements.