In case your credit card/debit card/payment account has been accidentally over-charged or the amount being debited from your account but you did not get any notification that it is bring credited in our account, please notify SJOBA of the same at the earliest. SJOBA will refund the outstanding amount to your Payment Account within 15 working days. In the reverse scenario, if the transaction amount during payment of the fee happens to be less than the actual fee amount, SJOBA will debit the outstanding amount from your Payment Account and notify you of the same.

It is mandatory for the users to maintain unique Transaction ID numbers, which would be provided at the time of placing a request. This number would be required to address any problems, if any.