Fast, Transparent Refund Policy
Understand when refunds apply, how calculations are itemized, and typical settlement timelines across banks, UPI, and digital wallets. For physical medicine returns, please review our Return Policy.
Last Updated: 15 December 2024
Settlement Architecture
Typical Bank Settlement Windows
100% SECURE GATEWAY
Wallet
Instant / Same Day
UPI
1–3 Business Days
Cards / Bank
5–7 Business Days
Processing
24–48 Hours
Direct Bank Routing: Final credit posting depends on your issuing bank and settlement cycles. Pharmogram dispatches verified refund tokens immediately upon approval.
When Refunds Apply
Pharmogram operates under transparent pharmaceutical marketplace rules. Specific criteria determine whether your transaction qualifies for an immediate or verified refund.
Eligible Scenarios
Transactions covered under automatic or verified refund
Out-of-Stock / Unfulfilled Item
If an item cannot be sourced or fulfilled after order confirmation, the paid amount for that item is immediately refunded.
Order Cancelled Before Dispatch
If the order is cancelled prior to pharmacist dispatch, a full refund is processed directly to the original payment source.
Verified Delivery Failure
If delivery cannot be completed due to logistics issues and the package returns to origin, full eligible refunds are issued.
Payment Deducted but Order Failed
If bank deductions occur during gateway timeout but order creation fails, automatic reconciliation initiates the refund.
Non-Eligible & Limited Cases
Scenarios where refunds cannot be provided
Opened or Used Medicines
Due to safety regulations, refunds are not provided for opened or used items unless manufacturer defects are verified.
Requests Outside Allowed Window
Refund or dispute requests raised beyond the permitted 48-hour return window are not eligible for processing.
Price Changes After Confirmation
Subsequent promotional discounts, seller price drops, or coupon additions after order placement are non-refundable.
Fraudulent or Abuse Claims
Cases involving suspicious claims, repeated unverified returns, or policy misuse will result in refund denial and account review.
Distinction Between Returns & Refunds
Refunds pertain to financial reversals. For physical package returns (damaged, wrong item delivered, or near-expiry medicines), specific return procedures and courier collection guidelines are defined in our Return Policy.
Refund Method Timelines
Pharmogram transmits authorized refund tokens within 24–48 hours of verification. Final account posting depends on your issuing bank's settlement schedule.
| Refund Method | Platform Dispatch | Estimated Credit Window | Operational Notes |
|---|---|---|---|
Pharmogram Wallet | 24–48 hours | Instant / Same day | Fastest settlement channel. Reverses automatically into in-app balance upon approval. |
UPI (GPay / PhonePe / Paytm) | 24–48 hours | 1–3 business days | Direct reversal through NPCI network to originating VPA/bank account. |
Credit / Debit Cards | 24–48 hours | 5–7 business days | Direct gateway reversal. Final bank posting depends on credit card billing cycle. |
Net Banking (IMPS / NEFT) | 24–48 hours | 5–7 business days | Reversed to original payer account subject to automated RBI clearing cycles. |
Cash on Delivery (COD) | 24–48 hours | Wallet (Instant) / NEFT (3-5 days) | Default credited to Pharmogram Wallet; direct bank NEFT requires verified IFSC transfer details. |
Banking Holiday Advisory: Bank settlements (IMPS/NEFT and card networks) exclude national banking holidays and second/fourth Saturdays. Digital wallet refunds remain operational 24/7 without banking cycle dependencies.
What Happens After You Request a Refund
Here is the standard lifecycle of every refund request, ensuring complete transparency and compliance at every step.
Issue Identified & Claim Raised
You submit a refund request with order details via the app, or an automated refund is initiated if an item cannot be sourced.
Pharmaceutical & Order Verification
Our pharmacist operations and accounts team verifies the claim against order delivery logs and payment gateway authorization.
Physical Return Pickup (If Required)
For eligible damaged or wrong medicine claims, courier pickup is scheduled and condition inspection is completed.
Reversal Token Dispatched
Upon verification approval, Pharmogram dispatches the encrypted refund reversal token to the payment gateway within 24–48 hours.
Settlement Credited to Source
Your issuing bank, card network, or digital wallet processes the credit according to standard settlement windows.
Pro Tip: Retain Your Bank Transaction Reference (UTR)
If your refund is approved but not reflected within the expected timeline, quote your Order ID and original payment UTR reference when contacting support for expedited verification.
Common Refund Questions
Need immediate clarification on an in-flight refund? Reach our support team at contact@pharmogram.in.
Need Help With a Refund?
Contact our dedicated support desk with your Order ID and bank payment reference (UTR). Our operations team will verify the gateway log and assist you immediately.
© 2026 Pharmogram Private Limited. Transparent refunds, verified processing.