Cancellation & Refund Policy
What happens to your money if you withdraw, if we cancel a batch, or if a payment goes wrong.
Key points
- Refunds depend on when you cancel: before the batch starts, during orientation, or after training has begun.
- If NMASTE cancels a batch, you choose between the next batch and a full refund.
- Duplicate or failed-but-debited payments are refunded in full.
- Cancellation refunds and the Fee Return / Stipend are different and are never both payable for the same period.
01I paid. Something changed. What happens to my money?
This policy answers that question for every situation we can foresee. It forms part of the Program Terms & Conditions. Where a situation is not covered, write to us and we will apply the closest rule fairly.
02If you cancel
| Before the batch start date | [DECISION: e.g. full refund less a processing charge of ₹X, or refund of Y%] |
|---|---|
| After the batch starts, within the orientation period ([DECISION: e.g. first 7 days]) | [DECISION: e.g. refund of Y%] |
| After the orientation period, during Months 1–3 | [DECISION: e.g. refund of Z% up to day N, nil after] |
| During Months 4–6 | No refund of the program fee. Stipend already earned is kept (see the Fee Return & Stipend Policy). |
To cancel, send a written request from your registered email or WhatsApp number with your name and batch. The cancellation date is the date we receive the request.
03If your eligibility is rejected after payment
If you pay before your eligibility is finally confirmed and we then decline your application, you receive a full refund of the amount paid, with no deduction.
04If NMASTE cancels a batch
If we cancel a batch before it starts, you may choose either a seat in the next available batch or a full refund. If we cancel a batch after it has started for reasons within our control, you may choose to continue in the next batch from the point you reached, or receive a refund proportionate to the part of the program not delivered.
05If NMASTE postpones a batch
If a batch start date moves by more than [DECISION: e.g. 30 days], you may keep your seat for the new date or cancel for a full refund. Shorter postponements do not create a refund right.
06Duplicate payment
If the fee is charged twice, the duplicate amount is refunded in full to the original payment method once we can see both transactions. Tell us and share both transaction references.
07Failed transaction but amount debited
If your bank shows a debit but our system shows no successful payment, the amount is usually reversed by the bank or payment gateway within 5–7 working days. If it is not, send us the transaction reference and we will raise it with the gateway and confirm the outcome to you.
08How refunds are processed
Request (in writing) → verification of identity and payment → approval under this policy → processing → credit to the original payment method.
Approved refunds are processed within [DECISION: e.g. 10 working days] of approval. Bank and card timelines may add a few further days. We do not pay refunds in cash or to a different account or person.
09Cancellation refund vs Fee Return / Stipend
These are different things:
- A cancellation refund returns part or all of the program fee because you leave, or because we cancel.
- The Fee Return / Stipend is ₹5,000 a month earned by completing Months 4–6 as a participant, under the Fee Return & Stipend Policy.
You cannot receive both for the same period, and cancelling ends your eligibility for any stipend not yet earned.
10Related documents
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