Refund Policy

1. What "resolved" means

After your consultation we share a written plan that names the goal of your case, for example: "PF final settlement credited to your bank", "PF transfer from old to new account completed", or "name/DOB correction approved by EPFO". Your case is resolved when that goal is achieved. EPFO's processing time after a correct submission is part of the timeline we share with you.

2. When you get a full refund

• Consultation (₹999 + GST): if, after reviewing your records, we tell you your case cannot be resolved, we refund the full consultation fee.
• End-to-end service: if we take up your case and are unable to achieve the goal in your written plan, we refund all fees paid to PF Saathi for that case, including the consultation fee and GST.
• Before work starts: if you cancel the end-to-end service before we have submitted any form, request or grievance on your behalf, we refund the end-to-end fee in full. The consultation fee is retained in this case because the consultation has been delivered.

3. When we treat a case as "not resolved"

Either of the following:

1. We inform you in writing that we are closing your case because we cannot resolve it; or
2. The goal has not been achieved within the timeline in your written plan plus 60 days. You can then request a refund, or choose to let us keep working on it.

4. Conditions

The money-back promise is meant to protect you, not to penalise either side for things outside the case. It does not apply if:

• You do not share documents, signatures or approvals we request within 15 days, or stop responding for 30 days or more;
• You or anyone else files the same claim, transfer or correction separately while we are working on it, or you change the bank account, KYC or nominee details mid-way without telling us;
• Information or documents you provided were false or incomplete in a way that caused the failure;
• You cancel the service after we have already submitted forms or grievances on your behalf (except where the case is closed as unresolvable, as above).

Where we cannot take up a case at all, we will tell you during the consultation, and the consultation fee is refunded.

5. How to request a refund

1. Message us on WhatsApp or email hello@pfsaathi.com with your name, registered mobile number and payment reference.
2. We confirm eligibility within 3 working days.
3. Approved refunds are processed within 7 working days to the original payment method. Banks may take a further 5–7 working days to show the credit. We issue a GST credit note for the refunded amount.

6. Things we never charge for

• We never ask for "extra" money to speed up EPFO, and we never collect money on behalf of any EPFO official.
• We never receive or hold your PF amount. EPFO pays directly into your (or the nominee's) bank account.