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Cancel SHRIRAM
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Cancellation service #1 in India
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I hereby notify you of my decision to terminate the contract relating to the Shriram 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- guarantee the validity of an incorrect or outdated address.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 Shriram: Easy Method
What is Shriram
Overview
Shriram is a group of financial and related services in India that includes chits, finance (fixed deposits), general insurance, devotional services (Shri Dharam), and other consumer-facing products.
Each product has its own cancellation and refund rules governed by company policy and applicable Indian regulations such as IRDAI rules for insurance and payment rules for financial transactions.
Scope of this guide
This guide summarizes cancellation paths, refund conditions, consumer rights, common issues and practical steps across Shriram services for customers in India.
It covers Shriram Chits (regional differences), Shriram General Insurance, Shriram Finance fixed-deposit/enrollment payments, and Shri Dharam devotional/merchandise services.
How to cancel Shriram
Shriram Chits (Maharashtra)
- If you are not a successful bidder, submit a written return/cancellation request at the local branch office.
- Include transaction proof and any identity details for verification.
Other Shriram services (insurance, FD, Shri Dharam)
- Shriram General Insurance: Use the free-look cancellation within 15 days by notifying the insurer in writing and stating reasons; follow the insurer's process for policy cancellation.
- Shriram Finance (FD/enrollment): Contact customer support and submit an application if a technical payment error (double debit or failed enrollment) occurred.
- Shri Dharam: Most services (puja, donations, prasad) are non-cancellable; merchandise cancellation allowed only for typographical errors or defective goods per policy.
What happens when you cancel
Access and service discontinuation
Cancellation stops future benefits tied to the product: for policies, coverage ends as per cancellation effective date; for chits, membership/participation ends when request is accepted.
For non-cancellable services (donations, puja) the service provider may still proceed and no reversal is typically available.
Data and renewals
Company may retain records required by law after cancellation. Automatic renewals will stop after cancellation, provided the request is accepted and processed.
For insurance, any future renewals will be subject to new underwriting and premium terms if you later reapply.
Will I get a refund?
General rule
Refunds depend on the product and the specific conditions cited by Shriram policies. Some products allow refunds under strict conditions; others are non-refundable.
Always check the exact policy document and any applicable regional terms before assuming a refund will be issued.
Service-specific refund summary
- Shriram Chits (Maharashtra): Refund initiated within 7 working days if you submit a written request within 24 hours with proof and transaction ID.
- Shriram Chits (Tamil Nadu online): Individual online payments are not refundable per online terms; cancellations follow company rules.
- Shriram General Insurance: Free-look refund possible within 15 days, subject to deductions (medical exam cost, stamp duty, proportionate risk premium).
- Shriram Finance (FD via gateway): Amounts paid are not refundable except for technical errors (double debit or failed enrollment); excess amount refunded net of gateway charges upon valid application.
- Shri Dharam: Services (puja, donations, prasad) generally non-refundable; merchandise may be replaced or refunded only for valid defects reported promptly (within 2 days for quality issues).
Shriram plans and pricing
App pricing summary
Available public app pricing shows no paid subscriptions; apps are listed as free on official app stores.
Financial products (loans, deposits, insurance) have pricing via interest rates, premiums or fees, not app subscription charges.
Contact for detailed pricing
For product-specific premiums, interest rates or fees contact the relevant Shriram product desk or refer to your policy/term sheet.
| Plan | Price | Period | Features |
|---|---|---|---|
| Shriram One app (iOS) | Free | - | UPI payments, loans, FD, insurance, bill payments, digital gold |
| Shriram One for Business app (iOS) | Free | - | Accept payments, track transactions, settlements, apply for business loan |
Your consumer rights in India
Insurance-specific rights
For Shriram General Insurance, the IRDAI-regulated free-look period (usually 15 days) lets you cancel and seek refund subject to allowed deductions.
You may be required to state reasons and submit the original policy document for processing the free-look refund.
Finance, chits and other escalation options
Shriram Finance FD refunds are permitted only for payment gateway technical errors; keep transaction proofs and apply for refund promptly.
If you face non-responsiveness or disputes, escalate to the company's grievance officer, then to relevant regulators (IRDAI for insurance, banking/finance ombudsman for deposit/payment issues) or consumer forums/consumer courts.
Customer experiences
Positive feedback
Shriram General Insurance has positive aggregated ratings reported by many customers, with comments noting "very good" service and a high rating average in available summaries.
Some customers praise smooth policy servicing and straightforward free-look cancellations when appropriately documented.
Negative feedback and common complaints
Multiple complaints exist across brands in the group: issues include slow customer support, delays in payments or FD maturity settlement, and difficulty obtaining refunds after cancellations.
Property and life insurance customers have reported partial refunds, contradictory support information, and challenges enforcing refunds, indicating the need for escalation in some cases.
Documentation checklist
Documents generally required
- Original transaction receipt or payment confirmation with transaction ID.
- Government ID (Aadhaar, PAN, passport) and contact details for account verification.
- Policy document or product reference number where applicable.
Additional items for specific products
- For free-look insurance cancellations: signed cancellation request, reasons, and policy document.
- For technical payment errors (FD/enrollment): bank statement showing double debit, screenshot of error, and application form for refund.
- For Shri Dharam merchandise defects: photos of defect, order invoice, and complaint within 2 days of receipt.
Common mistakes
Timing and proof
Missing the required time window is a frequent error - for example, not notifying within 24 hours for chit payment issues or missing the 15-day free-look for insurance.
Always preserve transaction IDs, receipts and timestamps; lacking proof severely weakens refund claims.
Using wrong channels
Filing complaints with general support instead of the designated branch or grievance officer delays resolution. Follow the specific cancellation process described for each product.
Assuming all payments are refundable is another common mistake; verify the product's refund policy before initiating cancellation.
Comparative recap
Quick comparison
| Service | Can cancel? | Refund possible? | Typical deadline / condition |
|---|---|---|---|
| Shriram Chits (Maharashtra) | Yes (if not successful bidder) | Yes (if requested in writing within 24 hours) | Refund initiated within 7 working days after written request |
| Shriram Chits (Tamil Nadu online) | Cancellation per company rules | No (individual online payment refunds not allowed) | Subject to company terms; online refunds generally not permitted |
| Shriram General Insurance | Yes (free-look period) | Yes (subject to deductions) | Free-look within 15 days of document receipt; deductions may apply |
| Shriram Finance (FD via gateway) | Not routinely; only for technical payment errors | Yes (excess amount refunded net of gateway charges) | Apply with proof for multiple debits or failed enrollment |
| Shri Dharam (devotional services/merchandise) | Services: No; Merchandise: Limited | Mostly no; merchandise refund/replacement for defects | Defects reported within 2 days for possible replacement/refund |
After cancelling
What to monitor
Track refund timelines promised by the company and keep follow-up records. Note bank credit timelines and checks on partial deductions.
Retain copies of all correspondence and acknowledgements until the matter is fully resolved.
Escalation and next steps
If you do not receive a timely resolution, escalate to the company grievance officer and use regulator complaint channels where applicable (insurance regulator for policies, ombudsman or banking regulator for finance disputes).
As a last resort, consider consumer forums or appropriate courts; keep all documentation and timelines to support your case.
Address
Shriram Life Insurance corporate address
Shriram Life Insurance Company Limited, Ramky Selenium, Plot No:31 & 32, Beside Union Bank Training Centre, Financial District, Gachibowli, Hyderabad 500032, India.
Note on contacting
Use official contact channels listed on the product paperwork or the company's official communications for cancellation and grievance submissions.
Keep copies of any delivery or receipt confirmations when submitting in-person documents at branches or offices.