Bharat Loan Affiliate Program

Why Promote This Offer

The Bharat Loan affiliate program pays a CPA of $0.3 for every loan application successfully disbursed through its LMS in India. With a fully digital application flow and a broad Tier 1-to-Tier 3 borrower base, this program is designed for high-volume acquisition from Indian publishers with personal finance and credit-intent traffic.

1. A $0.3 CPA tied to LMS loan disbursal is a volume-optimised payout model suited to publishers with high-traffic personal finance content, where consistent lead-to-disbursal velocity drives strong aggregate earnings.
2. Bharat Loan's fully digital, Aadhaar and PAN-based KYC removes the branch visit barrier, making it accessible to borrowers across India's Tier 2 and Tier 3 cities where digital lending adoption is growing fastest.
3. India's large underserved credit market — with millions of salaried individuals lacking access to regulated personal loan products — creates a consistent, year-round disbursal opportunity for publishers in the fintech vertical.
4. The LMS-linked disbursal trigger ensures publisher commissions are paid only on fully verified, processed loans, providing clean attribution and a direct quality signal between publisher traffic and completed conversions.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal finance content sites, loan aggregator and eligibility checker platforms, EMI calculator tools, YouTube channels covering digital lending and credit, and media buyers running high-volume push or display campaigns geo-targeted to India with a personal loan or financial services intent audience.

Audience Match

Converts best with Indian adults aged 22 to 45 in salaried or self-employed roles who need quick access to personal credit and are looking for a regulated, fully digital lender with fast disbursal and minimal paperwork requirements.

Traffic Rules

Allowed

• Organic Indian personal finance and instant loan comparison content
• EMI calculator, loan eligibility, and credit check tool traffic
• Email marketing to opted-in Indian finance audiences
• Display and DSP campaigns geo-targeted to India with loan or credit intent
• Push notifications targeting Indian adults in a financial decision-making context
• Native advertising on Indian finance, news, and lifestyle platforms

Not Allowed

• Incentivized or reward-based referrals
• Fraudulent or duplicate loan applications
• Brand keyword bidding on Bharat Loan paid search terms
• Traffic from outside India
• Content targeting users under 21 or encouraging over-indebtedness
• Pop-up or pop-under traffic

Compliance Note

All promotions must comply with RBI digital lending guidelines and ASCI advertising standards in India. Do not make guaranteed approval claims or misrepresent loan terms, interest rates, or eligibility criteria in creatives.

Tracking Flow

1. Publisher places their S2S Postback tracking link in Indian personal finance or loan content.
2. User clicks and is directed to the Bharat Loan app.
3. User downloads, installs, and completes digital KYC with Aadhaar and PAN.
4. User submits a loan application through the app.
5. Loan is approved and disbursed to the user's bank account via the LMS.
6. S2S Postback fires the disbursal conversion event to the affiliate network.
7. After the 30-day validation window, $0.3 is credited per disbursed loan.

Tracking Window: 30 days  |  Attribution: Last-click  |  Tracking Method: S2S Postback  |  Deduplication: One CPA per unique new Indian user with a disbursed loan

Promotional Tips

• Emergency expense and salary-gap content targeting Indian salaried users in Tier 2 and Tier 3 cities drives strong disbursal volumes — frame Bharat Loan as the accessible, regulated instant lending option for underserved borrowers outside major metros.
• High-volume push notification campaigns targeting Indian adults with financial intent are one of the most efficient traffic sources for this program's disbursal-based CPA model, given the low friction of the digital application flow.
• Loan comparison articles positioning Bharat Loan's speed and digital-first process against bank and NBFC alternatives convert well with first-time digital borrowers unfamiliar with instant lending platforms.
• Festival season — Diwali, Eid, and year-end — is the highest personal loan demand window in India; scaling push and display volume during these periods delivers peak disbursal conversion rates.

Payment Methods

Publishers are paid through multiple flexible methods including Crypto, Wise, PayPal, Wire Transfer, and more. Payouts are processed on a Net-30 cycle once your earnings clear the minimum payout threshold. Contact your account manager if you need to set up or change your preferred payment method.