Overview
This section explains when HOXTAN refunds money to your registered bank account, how refunds are calculated, and how long processing may take.
When a refund is paid to you
- Product / jewellery cancel before dispatch — eligible amount refunded after applicable cancellation fee and GST on the fee (see Cancellation / EMI Cancellation policies).
- Jewellery EMI cancel before dispatch — balance after EMI cancellation fee and GST on the fee is refunded to your verified bank account.
- SIG cancel / stop — eligible refund amount returned to you as per the Cancellation Policy.
- Approved jewellery returns under the Return Policy — refund after inspection and approval.
- Payment collected in error where metal, jewellery, or an order was not credited — corrected after verification with the payment gateway.
How refunds are processed
- Refunds are sent to the bank account verified in your KYC profile.
- Processing begins after admin approval (or auto-approval within the stated SLA where applicable).
- Bank credit timelines vary by bank and payment method; HOXTAN is not responsible for delays caused by incorrect bank details.
Completed metal & holdings (sell instead of refund)
- Once digital gold, silver, or holdings are successfully credited after payment, that purchase is generally not refunded as a cancel.
- You may sell or withdraw eligible metal at the then-prevailing live rate, subject to holding periods and app rules.
- Rate movement or change of mind after credit is not grounds for a purchase refund.
After dispatch or delivery
- Orders already packed, dispatched, out for delivery, or delivered are not eligible for cancellation refund.
- Eligible post-delivery cases are handled under the Return Policy, not as an instant cancel refund.
Contact
For refund status or payment discrepancies, email support@hoxtandigigold.com or call toll-free 18005693934.