Loan Referral Service
Help your customers get the right loan from leading banks and NBFCs — and earn high-value commissions on every successful disbursal. The biggest-ticket service in the Sarthi network.
The Highest-Earning Service in the Sarthi Network
One referral. One disbursal. One big commission. The math is simple, the upside is huge.
Sarthi Money’s Loan Referral platform connects your customers to a wide network of leading banks and NBFCs offering personal, business, home, vehicle, gold and education loans. As an agent, you simply identify customers in need of credit, help them apply through the Sarthi platform, and earn commission when their loan is approved and disbursed.
You don’t need to be a financial expert. The Sarthi platform handles eligibility checking, lender matching, document upload and application tracking — all you do is guide the customer through a simple form and submit their details. Our partner network does the underwriting, you collect the reward.
Compared to AEPS or DMT where commission is ₹10–₹35 per transaction, a single loan referral can earn you anywhere from ₹500 to ₹50,000 — making this the most lucrative add-on service in your portfolio.
Eight Loan Types — One Platform
Whatever your customer needs the money for, Sarthi has a loan partner for it.
Personal Loan
Unsecured loans for medical, marriage, travel or any personal need. Quick approval for salaried and self-employed.
Business / MSME Loan
Working capital and expansion loans for shops, traders and MSMEs. Helps small businesses grow without collateral.
Home Loan
Secured loans for buying, building or renovating a home. Long tenures and competitive interest rates.
Vehicle Loan
Two-wheeler, car and commercial-vehicle loans. Quick approval based on vehicle quotation and customer profile.
Gold Loan
Instant loans against gold ornaments. Lowest interest rates, same-day disbursal, minimal paperwork.
Education Loan
For higher studies in India and abroad. Covers tuition, hostel, travel and equipment with flexible repayment.
Loan Against Property
Use residential or commercial property as collateral to raise funds at a lower rate of interest.
Credit Card
Help customers apply for the best credit cards based on their profile, with cashback and reward perks.
From Lead to Disbursal in 5 Simple Steps
The Sarthi platform does the heavy lifting — you focus on serving your customer.
Identify Customer
A customer walks in, calls or expresses interest in any kind of loan or credit.
Check Eligibility
Use the Sarthi app to enter customer details and instantly check pre-approved offers.
Submit Application
Upload KYC, income proof and documents. Application goes directly to partner lenders.
Track Status
View real-time approval status in your dashboard — underwriting, sanction, disbursal.
Earn Commission
Once the loan is disbursed to the customer, your commission is credited automatically.
One Referral = One Month’s Earnings
This is the service that takes your shop from being a transaction counter to a financial-services destination.
- Highest commission slab in the entire Sarthi catalogue
- No financial expertise required — the platform guides you
- Pre-approved offers shown instantly — no waiting
- Multiple lenders compete — customer gets the best rate
- End-to-end digital — no physical paperwork or branch visits
- Your existing customer base is your lead pipeline
Earn ₹500 to ₹50,000 Per Loan
Commission scales with loan size and category. Big-ticket loans like home, business and LAP can pay tens of thousands on a single closure.
What the Customer Needs
Help your customers get loan-ready with these basic requirements. Final approval depends on the lender’s criteria.
Age 21 to 60
Borrowers must be at least 21 years old at application and not older than 60 at loan maturity.
Indian Resident
Indian citizen or registered Indian business with valid address and identity proof.
PAN & Aadhaar
Mandatory for KYC and credit-bureau checks of the borrower.
Income Proof
Salary slips (3 months), ITR or bank statements depending on profile.
Bank Statement
Last 6 months of salary or business account statements.
Address Proof
Aadhaar, voter ID, passport, or any registered utility bill.
Business Proof
For self-employed: GST, Udyam, shop license or partnership deed.
Photo & Signature
Recent passport-size photo and a clear scanned signature for the application.
Frequently Asked Questions
Everything you need to know about offering Loan Referral as a Sarthi agent.
