Chinmay Affiliate Program

Why Promote This Offer

The Chinmay affiliate program pays $8 for every personal loan successfully disbursed to a new user in India. With a fully digital Aadhaar and PAN-based application process serving salaried and self-employed borrowers across Tier 1, 2, and 3 cities, Chinmay offers publishers a solid disbursal-based payout in India's rapidly growing digital lending market.

1. A $8 CPA on loan disbursal is a competitive payout in the Indian digital lending affiliate space, reflecting the LTV of a verified disbursed borrower and the strong repeat-lending rates typical of digital NBFC platforms in India.
2. Chinmay's paperless Aadhaar and PAN-based KYC removes the branch visit barrier for borrowers in Tier 2 and Tier 3 cities, broadening the addressable audience to segments traditionally excluded from quick personal credit access.
3. India's large and persistent personal credit gap — particularly among salaried individuals earning below the prime NBFC threshold — creates a consistent, year-round acquisition opportunity for publishers with high-traffic personal finance content.
4. The loan disbursal trigger ensures commissions are paid only on fully verified, processed loans — not registrations or partial applications — providing clean attribution and strong lead quality assurance for publishers.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal finance and instant loan comparison sites, EMI calculator and loan eligibility check platforms, YouTube channels covering digital lending and money management in Hindi and regional languages, Telegram and WhatsApp groups targeting salaried Indian professionals with financial tips, and media buyers running push or native campaigns geo-targeted to India with loan or credit 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 for emergency expenses, salary gaps, or planned purchases and prefer a fully digital, no-branch lending process.

Traffic Rules

Allowed

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

Not Allowed

• Incentivized or reward-based referrals
• Fraudulent or duplicate loan applications
• Brand keyword bidding on Chinmay 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 interest rates, tenures, or eligibility criteria in any creative.

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 Chinmay 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 directly to the user's bank account.
6. S2S Postback fires the loan disbursal conversion event to the affiliate network.
7. After the 30-day validation window, $8 is credited per verified 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 and medical expense content targeting Indian salaried users performs consistently for loan disbursal programs — frame Chinmay as the fast, paperless option for borrowers who need credit within hours, not days.
• Loan comparison articles in Hindi and regional languages targeting Tier 2 and Tier 3 city audiences are highly effective for Chinmay, as digital lending awareness in these markets is growing rapidly and users respond strongly to local-language guidance.
• Festival season — Diwali, Navratri, Eid, and Christmas — is the peak personal loan intent window in India; increasing push and display volume during these periods capitalises on the natural surge in consumer credit demand.
• Credit score and financial literacy content attracts users already evaluating borrowing options — embed a loan eligibility check or CTA directly in this content type to capture high-intent applicants at the moment of peak intent.

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.