Why Promote This Offer

The Chinmay affiliate program pays a CPA of $8 for every loan successfully disbursed to a new Indian user. As an RBI-registered NBFC with a fully digital Aadhaar and PAN-based KYC process and disbursal in minutes, Chinmay offers publishers a solid per-conversion payout in India's active personal lending market.

1. A $8 CPA on loan disbursal is competitive in India's digital lending space, with the disbursal trigger ensuring commissions are tied to fully verified, bank-confirmed loan transactions rather than partial applications.
2. Chinmay Finlease's RBI NBFC registration (B.01.00558) gives the platform the regulatory credibility that converts cautious first-time digital loan applicants who specifically look for licensed lenders.
3. India's large personal credit gap among salaried professionals outside prime bank eligibility creates consistent year-round demand for fast, app-based personal loans across Tier 1, 2, and 3 cities.
4. The 100% digital application requires only Aadhaar and PAN verification, keeping the conversion funnel short and reducing drop-off between application and disbursal.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal finance and loan comparison content sites, salary and EMI calculator tools, YouTube channels covering instant loan apps for Indian salaried audiences, Telegram finance groups, and media buyers running push or display campaigns targeting Indian adults with personal loan intent.

Audience Match

Converts best with Indian salaried employees aged 21 to 55 with a monthly take-home income of at least Rs 20,000 who need fast personal credit through a licensed NBFC app with a fully digital 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 and employment audiences
• Native advertising on Indian finance and lifestyle platforms
• Display and DSP campaigns geo-targeted to India with personal loan intent
• Push notifications targeting Indian salaried adults in a 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. Do not make guaranteed approval claims or misrepresent loan interest rates or eligibility. Creative pre-approval required.

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 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.
6. S2S Postback fires the loan disbursal conversion event to the affiliate network.
7. After the 30-day validation window, $8 is credited to the publisher's payout balance.

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

Promotional Tips

• Instant loan comparison content positioning Chinmay's RBI NBFC registration and 7-minute disbursal against unregulated lending apps is the strongest trust-building angle for cautious first-time digital borrowers.
• Salary-gap and mid-month emergency expense content targeting Indian salaried professionals converts consistently year-round - frame Chinmay as the fast, licensed option for borrowers who need credit before the next payday.
• Festival and year-end financial content aligns with India's peak personal loan demand windows - Diwali, Eid, and March year-end budgeting drives above-average disbursal conversion rates.
• EMI calculator tools embedded in loan comparison articles attract intent-qualified users who have already evaluated repayment capacity and are ready to apply.

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.