Muthoot FinCorp Affiliate Program

Why Promote This Offer

The Muthoot FinCorp affiliate program pays a CPA on three products in India: $7 per gold loan disbursal, $6.5 per personal loan disbursal, and $4 per credit card disbursal. Three conversion paths from one link give publishers more ways to earn from the same traffic.

1. Three payout events, gold loan at $7, personal loan at $6.5, and credit card at $4, let publishers monetize different user intents from a single campaign.
2. Muthoot is a household name in Indian lending with decades of brand trust, which lifts application completion rates.
3. Gold loans are a deeply rooted, year-round credit habit in India, giving this offer durable demand beyond seasonal spikes.
4. Disbursal-based triggers mean conversions reflect real funded loans, keeping attribution clean and validation predictable.

Who Should Promote This

Ideal Publisher Profile

Strong fit for Indian personal finance sites, loan and credit card comparison platforms, vernacular finance creators, and media buyers running in-app campaigns across tier 1 to tier 3 cities.

Audience Match

Converts with Indian adults aged 25 to 55 who hold gold assets or need formal credit, including salaried users seeking personal loans and first-time credit card applicants.

Traffic Rules

Allowed

• Personal finance and loan comparison websites
• Finance blogs and review content
• In-app display and programmatic traffic
• Native advertising
• Opt-in email lists with financial content
• YouTube and short-video finance creators
• SEO content targeting loan-related keywords
• Push notification traffic from finance apps

Not Allowed

• Incentivized or rewarded traffic
• Brand bidding on the advertiser's trademark terms
• Misleading claims about guaranteed approval or zero interest
• Unsolicited SMS or WhatsApp spam
• Adult, gambling, or pirated content placements
• Bot, emulator, or click-injection traffic
• Cookie stuffing or forced clicks
• Pre-checked or auto-redirect placements

Compliance Note

Creatives must not promise guaranteed approval or misstate interest rates. Follow RBI digital lending and credit card marketing norms, and represent gold loan terms accurately.

Tracking Flow

1. Publisher places their S2S Postback tracking link in finance content, comparison pages, or in-app placements.
2. User clicks and is directed to the Muthoot FinCorp ONE app on Google Play.
3. User installs the app and registers.
4. User completes a gold loan, personal loan, or credit card disbursal.
5. The S2S Postback fires the conversion event to the affiliate network.
6. Conversion enters the 30-day validation window.
7. After validation, the matching payout ($7 / $6.5 / $4) 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 India user per product

Promotional Tips

• Lead with the gold loan angle for tier 2 and tier 3 audiences, it is the highest payout and the brand's core strength.
• Run separate creatives per product so users land with clear intent, mixed messaging lowers disbursal rates.
• Use trust-led copy referencing Muthoot's branch network and legacy, it converts older audiences strongly.
• Time personal loan pushes around festivals and wedding season when credit demand in India peaks.

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.