How long does Swiggy take to refund?

Standard refund

7 days

Return window

None

Refund destination

Original payment method

Refund timeline by payment method

Netbanking / cards / UPI / Amazon Pay / PhonePe
Credited back to source
5–7 business days
Paytm / Mobikwik / Freecharge / LazyPay
Or opt for Swiggy wallet credit
~2 hours

Bank-side credit time is added on top of Swiggy's internal processing time. Most users see funds within 9 business days.

Special cases

Alcoholic beverages (where served)
Refund only if undelivered within 2 hours or merchant cancels; nothing after OTP handover

Why refunds get delayed

Item failed quality check at the merchant's warehouse.
Original payment instrument was deactivated or expired.
Bank holiday / weekend interrupts the settlement cycle.
Refund routed to wallet by default — needs manual transfer to bank.

Stop tracking refunds manually.

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