Commission Structure

Input for Volume Particular

Accounts opened SA
Accounts opened with Debit Card SA
Transaction value cash deposit
Transaction value cash withdrawal
Transaction value Fund transfer F2F
Transaction value Micro ATM
Transaction value Micro ATM Max Payout/Txn
Transaction value AEPS Withdrawal
Transaction value AEPS Deposit
Transaction value AEPS Max Payout/Txn
Transaction value Remittance (Fino Charge)
Transaction value DTH
Transaction value Mobile recharge
Transaction value Bill payment 1 to 20000
Transaction value Air ticket
Transaction value Hotel booking
Fino Revenue D Light
Transaction value Jewel loan
Sign Up Fee
WPOS with Identifier
Biomatric with PINPAD
PINPAD

Insurance

Product Merchant Marketing Fee (as a % of premium incl. tax) 1-3 policies

Hospicash 12.50%
Family Floater 9.00%
Shubh Raksha Life 13.00%

Client Payment Type

OLA E commerce
STFC EMI for Commercial Vehicle Loans
Bajaj EMI for Personal Vehicle Loans
Hero Customer EMI for Personal Vehicle Loans
L&T Two Wheeler EMI for Personal Vehicle Loans
MRHFL EMI for Home Loans
MMFSL EMI for Commercial Vehicles, Tractors & Cars
Wheels EMI EMI for Personal Vehicle Loans
Reliance Jio Daily Store Collections
Satin EMI for JLG Loans (Agent Collection)
Satin Customer EMI for JLG Loans (Customer Collection)
Asirvad EMI for JLG Loans
Svatantra MFI Customer EMI for JLG Loans (Customer Collection)
Svatantra MFI EMI for JLG Loans (Agent Collection)
Fusion EMI for JLG Loans
Udaan EMI for Retail Inventory
Lok Suvidha EMI for Personal Vehicle Loans (Agent Collection)
Lok Suvidha Customer EMI for Personal Vehicle Loans (Customer Collection)
LnT Microfinance EMI for JLG Loans
Samasta EMI for JLG Loans
Agora EMI for JLG Loans (Customer Collection)
Adani Capital Agent EMI for Commercial Vehicles (Agent Collection)
Adani Capital Customer EMI for Commercial Vehicles (Customer Collection)
Mitrata EMI for JLG Loans
Fino Finance Pvt Ltd. (FFPL) EMI for JLG Loans
Swaadhar EMI for JLG Loans
Bajaj Finserv EMI for Consumer Durables
Centrum EMI for JLG Loans

* These slabs would be applicable starting from 1st May'.

* All the commission payment would be on monthly basis barring Remittance.
* AEPS Transactions: Only 8 transactions per Customer per BC per month are eligible for payout.
* MATM Transactions: Only 10 transactions per Customer per BC per month are eligible for payout.
* Commission structure is subject to change without prior notice.
 Direct Merchants Commision Under Distributor Merch
2K Model 35k Model 59k Model 2K Model
10 10 10 10
25 30 30 25
0.1% or 15 0.1% or 15 0.1% or 15 0.1% or 15
0.1% or 15 0.1% or 15 0.1% or 15 0.1% or 15
5 5 5 5
0.20% 0.30% 0.35% 0.18%
10 10 10 9
0.18% 0.30% 0.35% 0.16%
0.00% 0.00% 0.00% 0.00%
6 9 10 5
As per the sheet shared separately As per the sheet shar
Upto 2% Upto 2% Upto 2% Upto 2%
Upto 1.5% Upto 1.5% Upto 1.5% Upto 1.5%
up to Rs 15 up to Rs 15 up to Rs 15 up to Rs 15
1.50% 1.50% 1.50% 1.50%
5% 5% 5% 5%
10.0% 12.0% 12.0% 10.0%
0.45% 0.45% 0.50% 0.45%
2000 35000 59000 2000
ü
ü
ü ü

Merchant Marketing Fee (as

a % of premium incl. tax)
Above 3 policies
15.00%
10.00%
14.00%

Merchant Payout
0.40%
0.20%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.25%
0.10%
0.10%
0.10%
0.20%
0.10%
0.10%
0.20%
0.10%
0.10%
0.10%
0.10%
0.20%
0.20%
0.20%
0.10%
0.10%
0.10%
0.20%
0.20%
Under Distributor Merchants Commision
35k Model 59k Model
10 10
30 30
0.1% or 15 0.1% or 15
0.1% or 15 0.1% or 15
5 5
0.28% 0.33%
9 9
0.28% 0.33%
0.00% 0.00%
8 9
As per the sheet shared separately
Upto 2% Upto 2%
Upto 1.5% Upto 1.5%
up to Rs 15 up to Rs 15
1.50% 1.50%
5% 5%
12.0% 12.0%
0.45% 0.50%
35000 59000
ü
ü
 Remittance -Walk In Payout
Slab Customer Charge 2K Model 35k Model 59k Model
100-1000 10 4.4 4.4 4.4
1001-1100 11 4.8 4.8 4.8
1101-1200 12 5.3 5.3 5.3
1201-1300 13 5.7 5.7 5.7
1301-1400 14 6.1 6.1 6.1
1401-1500 15 6.6 6.6 6.6
1501-1600 16 7.0 7.0 7.0
1601-1700 17 7.5 7.5 7.5
1701-1800 18 7.9 7.9 7.9
1801-1900 19 8.3 8.3 8.3
1901-2000 20 8.8 8.8 8.8
2001-2100 21 9.2 9.2 9.2
2101-2200 22 9.7 9.7 9.7
2201-2300 23 10.1 10.1 10.1
2301-2400 24 10.5 10.5 10.5
2401-2500 25 11.0 11.0 11.0
2501-2600 26 11.4 11.4 11.4
2601-2700 27 11.8 11.8 11.8
2701-2800 28 12.3 12.3 12.3
2801-2900 29 12.7 12.7 12.7
2901-3000 30 13.2 13.2 13.2
3001-3100 31 13.6 13.6 13.6
3101-3200 32 14.0 14.0 14.0
3201-3300 33 14.5 14.5 14.5
3301-3400 34 14.9 14.9 14.9
3401-3500 35 15.4 15.4 15.4
3501-3600 36 15.8 15.8 15.8
3601-3700 37 16.2 16.2 16.2
3701-3800 38 16.7 16.7 16.7
3801-3900 39 17.1 17.1 17.1
3901-4000 40 17.5 17.5 17.5
4001-4100 41 18.0 18.0 18.0
4101-4200 42 18.4 18.4 18.4
4201-4300 43 18.9 18.9 18.9
4301-4400 44 19.3 19.3 19.3
4401-4500 45 19.7 19.7 19.7
4501-4600 46 20.2 20.2 20.2
4601-4700 47 20.6 20.6 20.6
4701-4800 48 21.1 21.1 21.1
4801-4900 49 21.5 21.5 21.5
4901-5000 50 21.9 21.9 21.9
5001-5100 51 22.4 22.4 22.4
5101-5200 52 22.8 22.8 22.8
5201-5300 53 23.3 23.3 23.3
5301-5400 54 23.7 23.7 23.7
5401-5500 55 24.1 24.1 24.1
5501-5600 56 24.6 24.6 24.6
5601-5700 57 25.0 25.0 25.0
5701-5800 58 25.4 25.4 25.4
5801-5900 59 25.9 25.9 25.9
5901-6000 60 26.3 26.3 26.3
6001-6100 61 26.8 26.8 26.8
6101-6200 62 27.2 27.2 27.2
6201-6300 63 27.6 27.6 27.6
6301-6400 64 28.1 28.1 28.1
6401-6500 65 28.5 28.5 28.5
6501-6600 66 29.0 29.0 29.0
6601-6700 67 29.4 29.4 29.4
6701-6800 68 29.8 29.8 29.8
6801-6900 69 30.3 30.3 30.3
6901-7000 70 30.7 30.7 30.7
7001-7100 71 31.2 31.2 31.2
7101-7200 72 31.6 31.6 31.6
7201-7300 73 32.0 32.0 32.0
7301-7400 74 32.5 32.5 32.5
7401-7500 75 32.9 32.9 32.9
7501-7600 76 33.3 33.3 33.3
7601-7700 77 33.8 33.8 33.8
7701-7800 78 34.2 34.2 34.2
7801-7900 79 34.7 34.7 34.7
7901-8000 80 35.1 35.1 35.1
8001-8100 81 35.5 35.5 35.5
8101-8200 82 36.0 36.0 36.0
8201-8300 83 36.4 36.4 36.4
8301-8400 84 36.9 36.9 36.9
8401-8500 85 37.3 37.3 37.3
8501-8600 86 37.7 37.7 37.7
8601-8700 87 38.2 38.2 38.2
8701-8800 88 38.6 38.6 38.6
8801-8900 89 39.0 39.0 39.0
8901-9000 90 39.5 39.5 39.5
9001-9100 91 39.9 39.9 39.9
9101-9200 92 40.4 40.4 40.4
9201-9300 93 40.8 40.8 40.8
9301-9400 94 41.2 41.2 41.2
9401-9500 95 41.7 41.7 41.7
9501-9600 96 42.1 42.1 42.1
9601-9700 97 42.6 42.6 42.6
9701-9800 98 43.0 43.0 43.0
9801-9900 99 43.4 43.4 43.4
9901-10000 100 43.9 43.9 43.9
10001-10100 101 44.3 44.3 44.3
10101-10200 102 44.8 44.8 44.8
10201-10300 103 45.2 45.2 45.2
10301-10400 104 45.6 45.6 45.6
10401-10500 105 46.1 46.1 46.1
10501-10600 106 46.5 46.5 46.5
10601-10700 107 46.9 46.9 46.9
10701-10800 108 47.4 47.4 47.4
10801-10900 109 47.8 47.8 47.8
10901-11000 110 48.3 48.3 48.3
11001-11100 111 48.7 48.7 48.7
11101-11200 112 49.1 49.1 49.1
11201-11300 113 49.6 49.6 49.6
11301-11400 114 50.0 50.0 50.0
11401-11500 115 50.5 50.5 50.5
11501-11600 116 50.9 50.9 50.9
11601-11700 117 51.3 51.3 51.3
11701-11800 118 51.8 51.8 51.8
11801-11900 119 52.2 52.2 52.2
11901-12000 120 52.6 52.6 52.6
12001-12100 121 53.1 53.1 53.1
12101-12200 122 53.5 53.5 53.5
12201-12300 123 54.0 54.0 54.0
12301-12400 124 54.4 54.4 54.4
12401-12500 125 54.8 54.8 54.8
12501-12600 126 55.3 55.3 55.3
12601-12700 127 55.7 55.7 55.7
12701-12800 128 56.2 56.2 56.2
12801-12900 129 56.6 56.6 56.6
12901-13000 130 57.0 57.0 57.0
13001-13100 131 57.5 57.5 57.5
13101-13200 132 57.9 57.9 57.9
13201-13300 133 58.4 58.4 58.4
13301-13400 134 58.8 58.8 58.8
13401-13500 135 59.2 59.2 59.2
13501-13600 136 59.7 59.7 59.7
13601-13700 137 60.1 60.1 60.1
13701-13800 138 60.5 60.5 60.5
13801-13900 139 61.0 61.0 61.0
13901-14000 140 61.4 61.4 61.4
14001-14100 141 61.9 61.9 61.9
14101-14200 142 62.3 62.3 62.3
14201-14300 143 62.7 62.7 62.7
14301-14400 144 63.2 63.2 63.2
14401-14500 145 63.6 63.6 63.6
14501-14600 146 64.1 64.1 64.1
14601-14700 147 64.5 64.5 64.5
14701-14800 148 64.9 64.9 64.9
14801-14900 149 65.4 65.4 65.4
14901-15000 150 65.8 65.8 65.8
15001-15100 151 66.3 66.3 66.3
15101-15200 152 66.7 66.7 66.7
15201-15300 153 67.1 67.1 67.1
15301-15400 154 67.6 67.6 67.6
15401-15500 155 68.0 68.0 68.0
15501-15600 156 68.4 68.4 68.4
15601-15700 157 68.9 68.9 68.9
15701-15800 158 69.3 69.3 69.3
15801-15900 159 69.8 69.8 69.8
15901-16000 160 70.2 70.2 70.2
16001-16100 161 70.6 70.6 70.6
16101-16200 162 71.1 71.1 71.1
16201-16300 163 71.5 71.5 71.5
16301-16400 164 72.0 72.0 72.0
16401-16500 165 72.4 72.4 72.4
16501-16600 166 72.8 72.8 72.8
16601-16700 167 73.3 73.3 73.3
16701-16800 168 73.7 73.7 73.7
16801-16900 169 74.1 74.1 74.1
16901-17000 170 74.6 74.6 74.6
17001-17100 171 75.0 75.0 75.0
17101-17200 172 75.5 75.5 75.5
17201-17300 173 75.9 75.9 75.9
17301-17400 174 76.3 76.3 76.3
17401-17500 175 76.8 76.8 76.8
17501-17600 176 77.2 77.2 77.2
17601-17700 177 77.7 77.7 77.7
17701-17800 178 78.1 78.1 78.1
17801-17900 179 78.5 78.5 78.5
17901-18000 180 79.0 79.0 79.0
18001-18100 181 79.4 79.4 79.4
18101-18200 182 79.9 79.9 79.9
18201-18300 183 80.3 80.3 80.3
18301-18400 184 80.7 80.7 80.7
18401-18500 185 81.2 81.2 81.2
18501-18600 186 81.6 81.6 81.6
18601-18700 187 82.0 82.0 82.0
18701-18800 188 82.5 82.5 82.5
18801-18900 189 82.9 82.9 82.9
18901-19000 190 83.4 83.4 83.4
19001-19100 191 83.8 83.8 83.8
19101-19200 192 84.2 84.2 84.2
19201-19300 193 84.7 84.7 84.7
19301-19400 194 85.1 85.1 85.1
19401-19500 195 85.6 85.6 85.6
19501-19600 196 86.0 86.0 86.0
19601-19700 197 86.4 86.4 86.4
19701-19800 198 86.9 86.9 86.9
19801-19900 199 87.3 87.3 87.3
19901-20000 200 87.7 87.7 87.7
20001-20100 201 88.2 88.2 88.2
20101-20200 202 88.6 88.6 88.6
20201-20300 203 89.1 89.1 89.1
20301-20400 204 89.5 89.5 89.5
20401-20500 205 89.9 89.9 89.9
20501-20600 206 90.4 90.4 90.4
20601-20700 207 90.8 90.8 90.8
20701-20800 208 91.3 91.3 91.3
20801-20900 209 91.7 91.7 91.7
20901-21000 210 92.1 92.1 92.1
21001-21100 211 92.6 92.6 92.6
21101-21200 212 93.0 93.0 93.0
21201-21300 213 93.5 93.5 93.5
21301-21400 214 93.9 93.9 93.9
21401-21500 215 94.3 94.3 94.3
21501-21600 216 94.8 94.8 94.8
21601-21700 217 95.2 95.2 95.2
21701-21800 218 95.6 95.6 95.6
21801-21900 219 96.1 96.1 96.1
21901-22000 220 96.5 96.5 96.5
22001-22100 221 97.0 97.0 97.0
22101-22200 222 97.4 97.4 97.4
22201-22300 223 97.8 97.8 97.8
22301-22400 224 98.3 98.3 98.3
22401-22500 225 98.7 98.7 98.7
22501-22600 226 99.2 99.2 99.2
22601-22700 227 99.6 99.6 99.6
22701-22800 228 100.0 100.0 100.0
22801-22900 229 100.5 100.5 100.5
22901-23000 230 100.9 100.9 100.9
23001-23100 231 101.3 101.3 101.3
23101-23200 232 101.8 101.8 101.8
23201-23300 233 102.2 102.2 102.2
23301-23400 234 102.7 102.7 102.7
23401-23500 235 103.1 103.1 103.1
23501-23600 236 103.5 103.5 103.5
23601-23700 237 104.0 104.0 104.0
23701-23800 238 104.4 104.4 104.4
23801-23900 239 104.9 104.9 104.9
23901-24000 240 105.3 105.3 105.3
24001-24100 241 105.7 105.7 105.7
24101-24200 242 106.2 106.2 106.2
24201-24300 243 106.6 106.6 106.6
24301-24400 244 107.1 107.1 107.1
24401-24500 245 107.5 107.5 107.5
24501-24600 246 107.9 107.9 107.9
24601-24700 247 108.4 108.4 108.4
24701-24800 248 108.8 108.8 108.8
24801-24900 249 109.2 109.2 109.2
24901-25000 250 109.7 109.7 109.7
25001-40000 250 97.2 97.2 97.2
40001-50000 300 116.6 116.6 116.6

Additional Slab :

Slab Commission
0 - 50,00,000 0
50,00,000 - 1,50,00,000 0.05%
1,50,00,000 + 0.10%

MATM
One Time On-boarding Fee
One Time On-boarding Fee
One Time On-boarding Fee
Merchant Charge
INR 2000 (including GST)
INR 35,000/- with MATM (including GST)
INR 59,000/- with WPOS (including GST)

Distributor Share
Device Sale Mapped MP sale
MATM 250/- Per Device
WPOS 500/- Per Device

Distributor Share
MATM
Txn Commission 0.02% or INR 1 whichever is lower
AEPS
Txn Commission 0.02% or INR 1 whichever is lower
CASA
Saving Account with Debit Card 5
Saving Account without Debit Card Nil
Cash Deposit 0.05% or INR 8 whichever is lower
Cash Withdrawal Nil
Fund Transfer Nil

Distributor Marketing Fee (as a % of premium incl.

tax)
Insurance
Hospicash @375 0.30%
Family Floater @2950 0.20%
Shubh Raksha Life @3000 0.30%

Merchant
Top Up/Recharge
AIRTEL TV 0.30%
AIRTEL 0.30%
MTNL MUM 2.25%
AIRCEL 0.30%
BIG TV 1.60%
BSNL 2.00%
DISH TV 1.55%
TATA DOCOMO GSM 0.90%
IDEA 0.30%
MTNL DEL 1.50%
SUN TV 1.90%
 TATA DOCOMO CDMA 0.90%
JIO 0.60%
UNINOR 0.50%
TATASKY 0.80%
VIDEOCON 1.75%
VODAFONE 0.45%

Merchant
Bill Payment (Amount)
0-1000 2.50
1001-2000 9.00
2000+ 15.00

Money Transfer (Slabs)

Merchant Distributor Share
% of Amount
As per existing Urban Non API Model 0.18%

Client Payment Type

OLA E commerce
STFC EMI for Commercial Vehicle Loans
Bajaj EMI for Personal Vehicle Loans
Hero Customer EMI for Personal Vehicle Loans
L&T Two Wheeler EMI for Personal Vehicle Loans
MRHFL EMI for Home Loans
MMFSL EMI for Commercial Vehicles, Tractors & Cars
Wheels EMI EMI for Personal Vehicle Loans
Reliance Jio Daily Store Collections
Satin EMI for JLG Loans (Agent Collection)
Satin Customer EMI for JLG Loans (Customer Collection)
Asirvad EMI for JLG Loans
Svatantra MFI Customer EMI for JLG Loans (Customer Collection)
Svatantra MFI EMI for JLG Loans (Agent Collection)
Fusion EMI for JLG Loans
Udaan EMI for Retail Inventory
Lok Suvidha EMI for Personal Vehicle Loans (Agent Collection)
Lok Suvidha Customer EMI for Personal Vehicle Loans (Customer Collection)
LnT Microfinance EMI for JLG Loans
Samasta EMI for JLG Loans
Agora EMI for JLG Loans (Customer Collection)
Adani Capital Agent EMI for Commercial Vehicles (Agent Collection)
Adani Capital Customer EMI for Commercial Vehicles (Customer Collection)
Mitrata EMI for JLG Loans
Fino Finance Pvt Ltd. (FFPL) EMI for JLG Loans
Swaadhar EMI for JLG Loans
Bajaj Finserv EMI for Consumer Durables
Centrum EMI for JLG Loans
Distributor Share

INR 500
INR 1500
INR 3500

Distributor Share

0.05%
0.05%
0.20%
0.05%
0.20%
0.20%
0.20%
0.10%
0.05%
0.20%
0.20%
 0.10%
0.10%
0.10%
0.05%
0.20%
0.05%

Distributor Share

0.50
1.00
1.00

Distributor
0.10%
0.02%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0%
0.01%
0.01%
0.01%
0.02%
0.01%
0.01%
0.05%
0.01%
0.01%
0.01%
0.01%
0.05%
0.02%
0.02%
0.01%
0.01%
0.01%
0.02%
0.05%