Refund & Cancellation Policy

1. Mutual Fund Investments & Scheme Redemptions

Investments in mutual funds are governed by the regulations of SEBI and the specific Scheme Information Document (SID) of the respective Asset Management Company (AMC):

• Unit Redemption: Investors may redeem mutual fund units at any time (subject to lock-in periods for ELSS schemes or closed-ended funds) through the YS Portfolio dashboard or directly on the AMC/RTA portal (CAMS / KFintech).
• Applicable NAV: Redemption proceeds are calculated based on the official Net Asset Value (NAV) applicable according to SEBI cut-off timings on the business day the request is processed.
• Direct Payout to Bank Account:Redemption proceeds are credited directly by the AMC into the investor's registered bank account via NEFT/RTGS/NACH within standard statutory settlement cycles (typically T+1 business days for equity schemes and T+0 / T+1 for liquid/debt schemes).
• Exit Load & Capital Gains: Any exit load specified in the scheme document or applicable capital gains taxes (STCG/LTCG) will be deducted at source by the AMC prior to redemption payout.

2. Systematic Investment Plans (SIP) Cancellation

Investors retain complete flexibility to modify, pause, or cancel their recurring Systematic Investment Plans (SIPs):

3. Advisory Retainers & Software Platform Subscriptions

For specialized institutional family office advisory retainers, wealth command software licenses, or customized reporting packages:

• 14-Day Satisfaction Guarantee: If you subscribe to any premium software reporting suite or institutional analytics tier, you may request a full refund within 14 calendar days of onboarding if not completely satisfied.
• Prorated Refunds: Annual or semi-annual retainer fees may be cancelled by providing a 30-day written notice. Any unconsumed advance fees for subsequent quarters will be refunded on a pro-rata basis.
• One-Time Setup & Audit Fees: One-time completed retrospective audits, historical accounting reconciliations, or bespoke software engineering deliverables are non-refundable once delivered.

4. Duplicate Transactions & Payment Failures

In the rare event of technical glitches, bank gateway time-outs, or duplicate debits:

• Auto-Reversal: If money is debited from your bank account without unit allocation, the clearing corporation or payment gateway will initiate an automatic reversal within 2 to 4 business days.
• Manual Reconciliation: If funds are not reversed within 5 business days, notify our support desk with the bank transaction reference number (UTR) for expedited reconciliation.
• 100% Refund: Any erroneous software charges will be credited back via the original payment mode within 5-7 working days.

5. How to Initiate a Refund or Cancellation Request

To request a cancellation, scheme redemption assistance, or subscription refund, follow these simple steps:

6. Contact Desk for Settlements