Know someone who needs a personal loan?Refer them and earn.
For example, on a ₹10 lakh loan you earn
₹10,000 to ₹15,000
- Free, no joining fee
- Takes 2 minutes
- Works with 30+ banks and NBFCs
What could you earn?
Their loan amount
How it works
Type in their details
Your number, then theirs and the loan they need. Two minutes, on this page.
They confirm on their phone
We WhatsApp them a link. They confirm with a one-time code from the credit bureau.
You're paid on disbursal
1% to 1.5% of the loan amount, to your bank account, after TDS.
Anyone who knows someone
You don’t need to work in finance. You need to be 18 or older, with a PAN and a bank account in your name.
- Salaried people
- Shopkeepers
- Bank employees
- Self-employed
- Homemakers
- Students
- Retired
- Agents and advisors
Refer someone now
- Free for you and for them.
- Only they can confirm, on their own phone. You never see their credit report.
Your questions
Anything else? Write to hello@finsamudra.com.
Is it free?
Yes. There is no joining fee and no target. The person you refer pays us nothing either. Never collect money from them: if anyone asks for money in Finsamudra's name, write to hello@finsamudra.com.
When and how do I get paid?
After the lender disburses the loan. 1% to 1.5% of the loan amount goes to your bank account, after TDS, which is why we ask for your PAN before your first payout. We confirm your payout with you on WhatsApp after your first referral.
Will my friend be spammed?
No. We send them one WhatsApp message with a link to check their loan options. If they don't want to go ahead, they can simply ignore it. If they are self-employed, our team calls them instead.
What if they don't get a loan?
Nothing is lost. You pay nothing and owe nothing; you are paid only when a loan is disbursed. The lender alone decides approval, so never promise a loan, a rate or an amount.
Who is Finsamudra?
Finsamudra Private Limited is a digital loan distribution company based in Bengaluru. We work with 30+ banks and NBFCs, check which of them are likely to approve a borrower, and handle the case through to disbursal. We are not a lender.
Will I see their credit report or their code?
No. The link and the one-time code from the credit bureau go only to the person you refer, on their own phone, and only they can confirm. We tell you on WhatsApp how the case is going, never their credit details.
What if the loan is cancelled?
If a loan is cancelled within a year of disbursal, the payout for that loan is recovered.
I refer loans regularly. Is this the right programme?
If you refer loans often, as a DSA, connector, banker, CA or agent, join as a partner instead. Your commission is agreed with you before your first referral. Join as a partner
Know someone who needs a loan?
Refer them in two minutes. Earn 1% to 1.5% of the loan amount when it’s disbursed.