1. Failed transactions: same day or T+1
For an app-wallet debit, the reversal is credited to the PAN MITRA wallet. For an eligible gateway payment refund, the refund is initiated to the original payment source. Your bank or payment provider may take additional time to display that credit. Contact us with the reference if the refund has not been processed by T+1.
2. PAN applications and PAN checks
You may request cancellation before an offline PAN or SmartNSDL application is forwarded for processing. If a request failed on PAN MITRA’s side and was never submitted, the service debit is reversed. Once submitted, provider/government fees and completed processing may not be reversible.
Rejection due to incorrect documents or an authority’s decision does not automatically make a completed submission refundable. A completed PAN lookup/API response cannot normally be cancelled; report an incorrect result or charge for investigation.
3. Recharge, FASTag and electricity bills
Successfully fulfilled mobile/DTH recharges, FASTag credits and bill payments generally cannot be cancelled through PAN MITRA. Confirm the number, account, vehicle and amount before payment. Report mistakes promptly; any correction depends on the operator or biller’s available process.
A confirmed failed request with a debit is covered by the same-day/T+1 refund process. A pending status is investigated before a reversal to avoid refunding a payment that the provider has already fulfilled.
4. UTI coupons and portal balances
Issued, redeemed or transferred coupons/portal credits are subject to the relevant provider’s rules and may not be reversible. Report failed delivery or duplicate debit with the purchase reference. Confirmed failed purchases are covered by the failed-transaction process; completed purchases are reviewed according to usage and provider reversal availability.
5. Add money, duplicates and account closure
If a gateway payment is debited but no wallet credit appears, contact us with the payment reference. We reconcile the payment and arrange the appropriate credit or refund. Verified duplicate charges are corrected; the same payment cannot receive both a usable credit and a refund.
Successful wallet loads remain available for services. On account closure or KYC rejection, eligible unused balances are reviewed for return to the original payment source after resolving pending or disputed transactions. Registration/activation services already provided are normally non-refundable, subject to applicable law and correction of duplicate or erroneous charges.
6. Vehicle insurance
Insurance premiums, policy cancellation, applicable review/free-look rights and refunds are governed by the insurer/provider’s policy terms and applicable law. Request insurance cancellation through the issuing provider. PAN MITRA support can assist with identifying the transaction or redirect but cannot independently cancel cover or approve an insurance claim.
7. Request a review
Email the registered mobile number or user ID, transaction reference, date, amount and a short description of the problem. Do not send passwords, OTPs, full card details or KYC documents in an initial refund email.
PAN MITRA
Plot No 2854, Ramteerth nagar, Belagavi, Karnataka - 590015, India
Email: Panmitraoffice@gmail.com
Phone: +91 9008123198
Amounts under a genuine payment dispute, fraud investigation or legal hold may need separate review. We explain the issue and next steps; nothing here removes statutory refund or consumer rights.