Refer a loan.Get paid when it is disbursed.
Introduce someone who needs a loan. We check 30+ banks and NBFCs for them, do the paperwork and the follow-up, and pay you when the loan is disbursed.
Banks and NBFCs decide every loan. We are not a lender: we do the checking, the paperwork and the follow-up.
We work with 30+ banks and NBFCs. When you send us someone who needs a loan, our team checks which lenders are likely to approve them, collects the documents and stays with the case until the money reaches their account.
Anyone who can refer a loan can join.
You do not need to work in finance.
If you refer loans often
DSAs and loan agents, connectors, bankers and bank employees, chartered accountants, insurance and real-estate agents, and business-development partners join as partners. Your commission is agreed with you before your first referral.
Join as a partnerIf you know one person who needs a loan
Salaried or self-employed, a homemaker, a student or retired: anyone 18 or older with a PAN and a bank account can refer through Refer & earn and get 1% to 1.5% of the loan amount.
Refer someone
How a referral becomes a payout
Four steps. You do the first one; we do the work in between.
You tell us who needs a loan
Their name, mobile number and the loan they are looking for, shared with their permission. Partners send it to the team directly; anyone else types it in on the Refer & earn page.
We check where they can get it
With the borrower's consent we run one credit check and see which of 30+ banks and NBFCs are likely to approve, before anything is submitted.
The lender decides
We collect the documents, submit the file and follow it up. The bank or NBFC alone decides the approval, the interest rate and the amount.
You are paid on disbursal
Once the lender disburses the loan, your payout goes to your bank account, after TDS. We keep you posted on WhatsApp along the way.
What you earn
Refer & earn
1% to 1.5%
of the loan amount, depending on the size of the loan. On a ₹5,00,000 personal loan, that is ₹5,000 to ₹7,500.
Partners
Agreed with you
If you refer regularly, we agree your commission in writing before your first referral, so you know what each disbursed loan pays.
Payouts are made only on loans the lender disburses, to your bank account, after TDS. If a loan is cancelled within a year of disbursal, its payout is recovered.
Questions people ask
What does Finsamudra do?
Finsamudra is a loan distribution network. People who know someone who needs a loan introduce them to us. We check which of 30+ banks and NBFCs are likely to approve, prepare the file with the borrower and follow it up until the lender decides.
Who can join?
Anyone who wants to refer a loan. People who refer often, such as DSAs, connectors, bankers and bank employees, chartered accountants and insurance or real-estate agents, join as partners. Anyone else who is 18 or older and has a PAN can use Refer & earn.
Do I need the customer's permission?
Yes. Share someone's details only after they have agreed to be contacted by Finsamudra about a loan.
How much will I earn?
Through Refer & earn, 1% to 1.5% of the loan amount, depending on the size of the loan. Partners agree their commission with us before their first referral.
When am I paid?
After the lender disburses the loan. The payout goes to your bank account after TDS is deducted, which is why we ask for your PAN.
Who decides on the loan?
The lender. Finsamudra is not a lender and cannot promise an approval, an interest rate or a timeline.
How do I get help?
Email hello@finsamudra.com. If you are already a partner, include the case reference we gave you.
Join the network.
Apply as a partner if you refer loans regularly. If you know one person who needs a loan, Refer & earn takes a minute.