BhimaPolicies

Effective Date: 01 July 2026 | Last Updated: 01 July 2026

Orders may be paid for through the modes made available on the platform from time to time, which may include credit/debit cards, UPI, net banking, and digital wallets, as determined by Bhima Jewellery from time to time.

Bhima Jewellery operates on a prepaid-only basis for all e-commerce orders. Cash on Delivery (COD) is not available. Full payment must be successfully completed at checkout before an order is confirmed and processed.

An order is confirmed only upon successful payment. The price applicable to the order is the rate in effect at the exact moment of successful payment confirmation, per the Pricing Policy. No order is held, reserved, or processed on the basis of an unpaid cart or a failed payment attempt.

If a payment attempt fails, no order is created and no amount is charged. If an amount is debited from the customer's account/card despite a failed transaction, it will be automatically reversed by the respective bank/payment gateway within their standard timelines, typically 5–7 business days. Bhima Jewellery is not liable for delays caused by the customer's bank or payment gateway.

Where EMI or financing options are offered through third-party NBFC or bank partners, the terms, eligibility, interest rates, and processing fees for such financing are governed by the respective partner's terms and not by Bhima Jewellery. Such options will be clearly indicated at checkout where available.

All refunds (for cancellations, returns, or failed/duplicate transactions) are processed to the original payment source/method used for the transaction. Refund processing timelines are subject to the customer's bank/payment provider and are typically completed within 7–10 business days of approval, as determined by Bhima Jewellery from time to time.

All payment transactions are processed through PCI-DSS compliant, secure payment gateways. Bhima Jewellery does not store complete card details on its servers.