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I hereby notify you of my decision to terminate the contract relating to the Aditya Birla service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Aditya Birla: Easy Method
What is Aditya Birla
Overview
Aditya Birla is an Indian multinational conglomerate with businesses across fashion, retail, financial services, insurance and lifestyle brands.
This guide focuses on cancellation and refund procedures across selected Aditya Birla group services: Aadyam Handwoven (lifestyle), ABFRL (fashion & retail) and Aditya Birla Health Insurance.
Scope of this guide
The guide explains how to cancel orders or policies, expected refunds, consumer rights in India, documentation, common mistakes and next steps after cancellation.
Where available, links point to official or verified pages for the specific service policies listed below.
How to cancel Aditya Birla
Cancel Aadyam Handwoven orders
- Cancellation window: Cancel within 24 hours of order confirmation by emailing the brand as specified on their cancellations page.
- Action steps:
- Locate your order confirmation email and order number.
- Email the cancellations contact shown on the Aadyam Handwoven cancellations page within 24 hours.
- Reference: Aadyam Handwoven cancellations & refunds
Cancel ABFRL (Aditya Birla Fashion & Retail) orders
- If the product has not been dispatched you can cancel from your account (My Account) on the ABFRL site.
- Note: Partial cancellation is not allowed; cancelling an order cancels the entire order.
- Reference: ABFRL returns & cancel policy
Cancel Aditya Birla Health Insurance policies
- Free-look cancellation: Online 30 days, offline 15 days from policy receipt - full refund applies subject to deductions for days on risk and administrative costs.
- After free-look: Policy can be cancelled any time; refund percentage reduces with time (see refund schedule in section below).
- Action steps:
- Contact your insurance agent or company service desk with policy number and ID proof.
- Submit a written request as instructed on the insurer’s cancellation page or via the claims/cancellation contact.
- Reference: Aditya Birla health insurance refund & cancellation guidance
What happens when you cancel
Orders and dispatch
For retail orders (Aadyam, ABFRL), cancellations before dispatch prevent shipment and trigger a refund or credit per the merchant policy.
If the item has shipped, return and refund rules apply instead of cancellation; follow the merchant’s returns process.
Insurance coverage and termination
When a health policy is cancelled, coverage ends from the cancellation date specified by the insurer or as per policy terms.
During the free-look, contract is voided and a refund (minus applicable deductions) is typically issued; after that, surrender charges or no refund may apply.
Data, accounts and credits
Account data (orders, policies) remain with the provider; refunds may be processed to the original payment method or as brand/store credit where specified.
For ABFRL, refunds may be issued as Brand Credits per the returns policy instead of direct bank refunds in some cases.
Will I get a refund?
Retail refunds (ABFRL and Aadyam)
- ABFRL: 15-day no-questions return window; refunds processed in 2 - 5 business days or issued as Brand Credits.
- Aadyam Handwoven: Returns accepted within 7 days; refunds processed within 7 days after pickup; manufacturing defects are replaced fully.
- Always keep order number, invoices and return pickup reference to track refund processing.
Health insurance refunds (detailed)
- Free-look period: Online 30 days, offline 15 days - full refund subject to deduction of days on risk and applicable medical/administrative costs.
- Post free-look refund scale (typical as published by the insurer):
- Within 1 month after free-look: 75% refund (after deductions)
- Within 3 months: 50% refund (after deductions)
- Within 6 months: 25% refund (after deductions)
- After 6 months: No refund (policy surrender value not payable)
- Exact computations and deductions will be done by the insurer; consult the official cancellation page for details.
- Reference: Aditya Birla health insurance cancellation process (PolicyX summary)
Aditya Birla plans and pricing
Overview of available plans
The group offers varied products: retail, lifestyle, brokerage subscriptions and insurance. Pricing differs by product and plan type.
The table below summarizes commonly published charges for Aditya Birla Money (brokerage) and certain finance products.
Pricing table
| Plan | Price | Period | Features | Source |
|---|---|---|---|---|
| Aditya Birla Money - Trade15 subscription | ₹999 | One-time | Brokerage fee ₹15 across segments (equity delivery, intraday, F&O, currency) | Chittorgarh brokerage calculator (source listed) |
| Aditya Birla Money - Trade10 subscription | ₹2499 | One-time | Brokerage fee ₹10 across segments (equity, F&O, currency) | Chittorgarh brokerage calculator (source listed) |
| Aditya Birla Money - Account opening charges | ₹750 | One-time | Trading + Demat account opening fee | Chittorgarh charges page (source listed) |
| Aditya Birla Money - Demat AMC | ₹436 | Annual | Demat account annual maintenance charge | Chittorgarh charges page (source listed) |
| Aditya Birla Money - AMC Normal Scheme | ₹450 | Annual | Trading account AMC (normal scheme) | Chittorgarh charges page (source listed) |
| Aditya Birla Personal Loan - Interest rate | 10.99% p.a. onwards | Annual | Personal loan interest starting at 10.99% p.a. | PaisaBazaar listing (source listed) |
| Aditya Birla Personal Loan - Processing fee | Up to 4% of loan amount | One-time | Processing fee on loan amount | PaisaBazaar listing (source listed) |
Your consumer rights in India
Insurance consumer rights
- IRDAI-mandated free-look period applies: online 30 days, offline 15 days; full refund subject to appropriate deductions.
- Insurers must provide written reasons for non-refund decisions and follow prescribed regulatory processes for cancellations.
- Reference: IRDAI guidance summarized on insurer pages and consumer insurance resources.
E-commerce and retail rights
- For e-commerce and retail purchases, consumers have return rights as per the merchant policy and Indian e-commerce norms (examples: 7-day Aadyam return, 15-day ABFRL no-questions returns).
- Refunds must be processed in a timely manner and in the original payment mode unless brand credit is offered and accepted.
- Keep transaction records and use the merchant’s official returns/cancellation portal to avoid disputes.
Customer experiences
Positive feedback summary
Employee reviews (Indeed / Glassdoor summaries) commonly highlight supportive managers, good work culture and alignment with personal goals, with ratings around 4.1/5.
Such feedback relates to employment experience rather than customer service or claims handling.
Negative feedback summary
- Several customer review platforms report poor customer service and delays (notably in issuing loan foreclosure letters and some policy service matters).
- Trustpilot and Justdial listings show a significant portion of 1-star complaints focused on service delays and communication issues.
- Community reports on Reddit include individual allegations about policy cancellation and refund disputes; some reported misuse of branding in scam claims.
- References:
Documentation checklist
For retail cancellations and returns
- Order confirmation number, invoice or receipt.
- Photos of the item (if damaged) and original packaging.
- Payment transaction proof and bank or UPI details for refund.
For insurance cancellation
- Policy number, copy of the policy document and purchaser’s ID proof.
- Signed written cancellation request (or the insurer’s cancellation form) and agent details if applicable.
- Bank details for refund transfers and any previously issued receipts.
Common mistakes
Retail mistakes to avoid
Waiting past the merchant cancellation window (24 hours for Aadyam, pre-dispatch only for ABFRL) often converts a simple cancellation into a return process with potential delays.
Not retaining order numbers, receipts or photos delays refund processing and dispute resolution.
Insurance mistakes to avoid
Missing the free-look period or misunderstanding its start date can forfeit the right to a near-full refund.
Failing to submit a written request or to follow insurer-specified procedures (agent vs. company submission) may delay or reduce refunds.
Comparative recap
Quick comparison
| Service | Cancellation window | Typical refund outcome | Notes | Official reference |
|---|---|---|---|---|
| Aadyam Handwoven (Aditya Birla Lifestyle) | Cancel within 24 hours by email | Refund or return per policy; 7-day returns; defects replaced | Short cancellation window; retain order ID | Aadyam cancellations & refunds |
| ABFRL (Aditya Birla Fashion & Retail) | Cancel via My Account if product not dispatched | 15-day no-questions returns; refund in 2 - 5 business days or Brand Credits | Partial cancellation not allowed; full order cancelled | ABFRL returns & cancel policy |
| Aditya Birla Health Insurance | Free-look: online 30 days / offline 15 days; cancellable thereafter | Free-look: full refund minus days on risk & costs; then sliding scale: 75%, 50%, 25%, 0% | Refund amount reduces with time; formal written request required | Insurance refund guidance |
After cancelling
Next steps to track refunds and records
- Save acknowledgement emails or return pickup references until refunds are received in full.
- Monitor your bank statement or credit card and follow up with the merchant or insurer if processing times exceed stated windows.
Useful official links
- Aadyam Handwoven cancellations & refunds
- ABFRL returns & cancel policy
- Aditya Birla health insurance refund guidance
- PolicyX summary of cancellation process
Address
Claims Section (recommended postal contact)
The Claims Section, G Corp Tech Park, 5th & 6th Floor, Kasar Wadavali, Ghodbunder Road, Thane 400601, India.
Other contact notes
If cancellation or refund queries are not resolved online or via agent, send written correspondence to the Claims Section address above and retain proof of dispatch.
For retail order issues, use the merchant’s account portal and the official returns/cancellations pages linked in this guide.