Refund Policy

Last updated: November 2026

S.M HOMES Pay-Per-Use Refund Guidelines

1. General No-Refund Policy for Unlocked Services

S.M HOMES operates on a strict Pay-Per-Use Model (₹500 per property listing / ₹500 per house visit owner contact unlock). Once a UTR payment is verified by admin and the owner contact/listing is successfully unlocked or published, fees are strictly non-refundable as direct access and visibility have already been provided.

2. Duplicate or Failed Transactions

If you were charged ₹500 multiple times for the exact same property unlock or if your payment was deducted but the service was not unlocked due to a technical glitch, you are eligible for a full refund or immediate credit adjustment.

3. Refund Processing Timeline

Approved refunds or transaction reversals for failed/duplicate payments are typically processed within 5-7 working days and credited back directly to your original UPI payment method or bank account.

4. How to Raise a Claim

To report a duplicate payment or transaction issue, please email us at smhomeshelpline@gmail.com along with your registered phone number, payment UTR screenshot, and transaction reference ID within 48 hours.