"Cooling off period" means a period of time from the date of disbursement of loan/credit, within which the borrower can choose to close the loan by returning the disbursement amount along with the applicable Annual Percentage rate (APR) for the number of days taken to repay. The cooling-off window is determined to be within 3 days from the date of disbursement. Cooling Off period is made available for customers who take disbursement of loan and immediately choose to return the loan due to non-suitability of loan amount, tenure, interest applicable or similar reasons.