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. Built for high-volume acquisition, this is a volume-first CPA for publishers with broad Indian personal finance traffic who can generate consistent disbursal conversions at scale.

1. A $0.3 CPA on LMS disbursal is a high-volume, per-conversion model - publishers with large-scale Indian personal finance traffic generate significant aggregate earnings from consistent daily disbursal volumes.
2. Bharat Loan's fully digital Aadhaar and PAN KYC makes it accessible to borrowers across Tier 2 and Tier 3 cities where regulated instant lending options are still limited.
3. India's large personal credit gap among salaried individuals outside prime bank eligibility creates consistent year-round disbursal demand across cities and income segments.
4. The LMS disbursal trigger pays only on fully processed, bank-confirmed loan completions, giving publishers clean attribution tied to genuine borrower transactions.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal finance blogs, loan aggregator and comparison platforms, Hindi and regional language finance YouTube channels, EMI calculator tools targeting Tier 2 and Tier 3 cities, and media buyers running high-volume push or display campaigns geo-targeted to India with personal loan intent.

Audience Match

Converts best with Indian adults aged 22 to 50 in salaried or self-employed roles across Tier 1, 2, and 3 cities who need fast access to personal credit and prefer a fully digital, no-branch application and disbursal process.

Traffic Rules

Allowed

• Organic Indian personal finance, instant loan, and loan comparison content
• EMI calculator and loan eligibility tool placements
• Email marketing to opted-in Indian finance audiences
• Display and DSP campaigns geo-targeted to India with personal loan intent
• Push notifications targeting Indian adults with financial decision-making intent
• Native advertising on Indian finance 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. Do not make guaranteed approval claims or misrepresent loan interest rates, eligibility, or disbursal timelines.

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 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 LMS disbursal conversion event to the affiliate network.
7. After the 30-day validation window, $0.3 is credited per confirmed disbursed loan.

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

Promotional Tips

• High-volume push campaigns targeting Indian adults with financial intent are the most efficient source for this disbursal-based CPA given the low friction of the digital application flow.
• Emergency expense and salary-gap content targeting Tier 2 and Tier 3 city audiences drives strong disbursal volumes - frame Bharat Loan as the fast regulated option for borrowers who cannot wait for traditional bank processing.
• Festival season - Diwali, Eid, and financial year-end - is the peak personal loan demand window; scaling volume during these periods delivers above-average disbursal rates.
• Loan comparison articles in Hindi and regional languages targeting non-metro audiences convert well as digital lending awareness in smaller Indian cities grows year on year.

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.