Terms and Conditions
Payment Terms
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Debit Card transaction charges up to Rs. 1000
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0.25% Plus service taxes as applicable
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Debit Card transaction charges above Rs. 1000 and up to 2000
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0.50% Plus service taxes as applicable
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Debit Card transaction charges above Rs. 2000
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0.85 % Plus service taxes as applicable
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Net Banking
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Rs.11 Plus service taxes as applicable
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- Fund shall be credited in T+1 Days in the Customer Loan Account opened in Muthoottu Mini Financiers Ltd. Transaction charges to be borne by the customer (Total amount + Transaction charges)as per the above table.
- Transaction charges will be debited from the Transaction Amount on upfront basis.
- Fund shall be credited in T+1 Days in the Customer Loan Account opened in Muthoottu Mini Financiers Ltd.
- The Customer can view and Print e- Receipt after payment confirmation from Gateway.
- It will be the responsibility of the cardholder to ensure that no double payment is made from his end for the same Account.
- All disputes arising out of the said services shall be subject to the exclusive jurisdiction of competent courts in Kochi.
Terms and Conditions
- Once the payment has been made, no cancellation will be entertained for any reason.
- During Online Payment, if the amount is debited from customer bank account and the transaction details are not generated online, please allow us to generate the transaction details within 24 hours. If the Online transaction details are not generated, even after 24 hours or money is not refunded to the bank account, please contact smartpay@minimuthoottu.com or call our support team at 0484-2912234 from 9.00 AM to 5.30 PM on all working days from Monday to Saturday.
- If customer paid twice for one transaction, the one transaction amount will be refunded via same source within 15 to 20 working days.
- If the online payment amount is not credited to customers Loan account within 24 hours, the transaction amount will be refunded via same source within 15 to 20 working days.
Privacy Policies
Muthoottu Mini Financiers Ltd is committed to protect the personal and financial information that the user of the website (hereinafter ‘user(s)’) submits to us and would endeavor to protect it from unauthorized use. Muthoottu Mini Financiers Ltd assures the users that the information made available to us will be kept in strict confidentiality and we will use the information only to help us to service their account better, to provide them with products and services that they may have requested, and to inform them about other products and services that may be of interest to them. We do not sell you’re their personal information to third parties. We shall not reveal information or data relating to borrower accounts, whether provided by the borrowers or otherwise, to anyone, including other companies, entities in their group, other than in the following exceptional cases:
- If the information is to be given by law.
- If there is a duty towards the public to reveal the information.
- If the borrower asks us to reveal the information, or with the borrower’s permission.
- If Muthoottu Mini Financiers Ltd is asked to give a reference about borrowers, Muthoottu Mini Financiers Ltd shall obtain his / her written permission before giving it.
The users authorizes Muthoottu Mini Financiers Ltd to exchange, share, part with all information related to the details and transaction history of the users to its Affiliate regulatory authorities / banks / financial institutions / credit bureaus / agencies / participation in any required form as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold Muthoottu Mini Financiers Ltd liable for use or disclosure of this information. Other websites that the users may access via website may have different privacy policies and access to such web sites will not be subject to this privacy policy. We recommend that the users read the privacy statement of each such website to find out how they protect their personal information. Due to changes in legislation or enhancements to functionality and content on the website, we may make changes to privacy policy (without being obliged to do so) and would reflect those changes in this privacy policy statement. Hence the users are requested to go through the privacy policy statement on a regular basis.
Please note that this privacy policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.