Payment Policy

Last updated: June 4, 2026

1. Accepted Modes of Payment

Members can pay enrollment fees and term bills through any of the following modes:

• Online payments through the member portal on this website using credit/debit card, net banking or UPI (subject to availability of the configured payment gateway).
• NEFT / RTGS / IMPS transfer to the official FSS bank account.
• Bank challan deposit to the official FSS bank account using the challan available for download on the website.

Always verify that you are paying into an official FSS bank account before initiating any transfer. If in doubt, contact the FSS office on 96661 11118.

2. Payment Confirmation & Receipts

• Online payments are reconciled automatically and a receipt is generated in the member dashboard once the bank confirms the transaction.
• For NEFT / RTGS / challan payments, the member must update the transaction reference in the member portal or share it with the FSS office; the receipt is issued after verification with the bank statement.
• Members can download all receipts from the Payments section of the member dashboard.

3. Failed or Pending Transactions

• If the amount is debited from your account but the receipt is not generated, please wait 24 to 48 working hours for the bank to settle the transaction.
• If the status remains pending after this period, write to drnafss@gmail.com with the transaction reference, date and amount. We will coordinate with the bank/gateway and update your account.
• Failed transactions are typically refunded by the bank/gateway directly to the source account within their standard timeline.

4. Refund Policy

Refunds may be considered only in the following exceptional situations, and at the sole discretion of the Managing Committee:

• Duplicate payment made for the same term bill due to a technical error.
• Payment received from a non-member or for an inactive / withdrawn / defiladed account.
• Excess payment over and above the applicable bill amount.

Approved refunds are processed to the original payment instrument or bank account within 10 to 15 working days from the date of approval.

5. Late Payment

• Term bills must be paid within the timeline specified by the Managing Committee.
• Late payments may attract late fees / fines as decided by the Managing Committee.
• Continued default may lead to suspension of cover and the member being treated as defiladed/withdrawn as per Scheme rules. Reinstatement, if allowed, will be subject to payment of all dues and additional charges as may be specified.

6. Security of Online Payments

• Online payments are processed through PCI-DSS compliant payment gateways. Your card or banking credentials are not stored on our servers.
• We strongly recommend that members do not share their login credentials with anyone.
• Any suspicious transaction observed should be reported immediately to the FSS office.

7. Charges & Taxes

Any applicable bank charges, payment-gateway fees or statutory taxes are to be borne by the member, unless otherwise specifically indicated. The amount actually credited to the FSS account will be considered for the purpose of acknowledgement of the contribution.

8. Changes to This Policy

The Managing Committee may revise this Payment Policy from time to time. Updates will be posted on this page with a new "Last updated" date.

9. Contact for Payment Queries

For any payment-related questions, please reach out to:

IMA APPA Family Security Scheme
Ongole — 523001, Andhra Pradesh, India.
Phone: 96661 11118 (Mon - Sat, 10 AM to 5 PM)
Email: drnafss@gmail.com