After the user clicks on "Pay" and goes to the Internet Banking site. Then, he needs to complete the payment.
But, in some cases, he may not be able to complete the payment. For example,
- Forgot bank login/password
- Provided wrong OTP
- Bank site under maintenance
- Transaction amount limit at the bank
- Other reasons
In this scenario, the client can retry payment only after 10 mins. He will receive a reminder notification on the app after 10 mins.
NAV applicable as per the credit realisation from the AMC's end.
This new system allows us to prevent multiple incomplete orders(folios) for the client while ensuring that the client gets the NAV of his first attempt.