Why Promote This Offer

The NIRA affiliate program pays a CPA of $1 for every new Indian user who uploads their bank statement through the NIRA app. As an RBI-compliant credit line platform with 10 million-plus downloads and coverage in 5,000-plus locations, NIRA's bank statement upload trigger filters for high-intent applicants who have completed the initial eligibility check and are actively progressing toward loan approval.

1. A $1 CPA on bank statement upload is a volume-optimised payout for publishers with broad Indian personal finance traffic - the BS Upload Event filters for users who have passed the 3-minute eligibility check and are seriously pursuing a credit line, giving publishers cleaner lead quality than simple registration-based CPL programs.
2. NIRA's 10 million-plus downloads and 5,000-plus location coverage across India signal platform scale that converts first-time digital loan applicants who are more comfortable with established platforms than new-to-market apps.
3. The credit line model - where users pay interest only on the amount drawn down - is a differentiator that converts Indian salaried adults who want flexible credit access rather than a fixed one-time loan amount.
4. Minimum income eligibility of Rs 12,000 to Rs 15,000 per month broadens the addressable audience to a large segment of Indian workers who earn above the national median but are excluded from traditional bank loan products.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal loan comparison and credit line review content sites, salary and EMI calculator platforms, personal finance YouTube channels targeting Indian salaried workers, and media buyers running push or display campaigns targeting Indian adults aged 22 to 55 with personal credit intent.

Audience Match

Converts best with Indian salaried adults aged 22 to 55 earning at least Rs 12,000 to Rs 15,000 per month who need flexible access to personal credit and are willing to upload their bank statement for faster loan eligibility verification.

Traffic Rules

Allowed

• Organic Indian personal finance, credit line, and loan comparison content
• Bank statement KYC and digital lending guide content targeting Indian salaried adults
• Email marketing to opted-in Indian finance and employment audiences
• Native advertising on Indian finance and lifestyle platforms
• Display and DSP campaigns targeting Indian salaried adults with loan intent
• Push notifications targeting Indian adults in active financial planning contexts

Not Allowed

• Incentivized or reward-based bank statement uploads
• Fraudulent document submissions
• Brand keyword bidding on NIRA paid search terms
• Traffic from outside India
• Content targeting users under 21
• Pop-up or pop-under traffic

Compliance Note

All promotions must comply with RBI digital lending guidelines and ASCI advertising standards. NIRA is a platform connecting borrowers with NBFC and bank partners - do not market it as a direct lender. Do not make guaranteed approval claims.

Tracking Flow

1. Publisher places their S2S Postback tracking link in Indian personal loan or fintech content.
2. User clicks and is directed to the NIRA app on Google Play.
3. User downloads, installs, and registers on the NIRA app.
4. User completes the 3-minute eligibility check and receives an in-principle credit limit.
5. User uploads their 3-month bank statement through the app.
6. S2S Postback fires the BS Upload Event conversion to the affiliate network.
7. After the 30-day validation window, $1 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 bank statement upload

Promotional Tips

• Credit line vs personal loan comparison content explaining NIRA's interest-only-on-draw model is the strongest acquisition angle for salaried users who want flexible access to funds without paying interest on an unutilised loan amount.
• Bank statement upload guide content explaining what lenders look for and how to prepare a clean 3-month statement for faster loan approval converts well with intent-qualified users who are already in the process of applying for credit.
• Salary-gap and emergency expense content targeting Indian adults mid-month drives strong NIRA application traffic - the 3-minute eligibility check and same-session upload flow means motivated users can complete the BS Upload step in a single session.
• For media buyers, in-app display campaigns targeting Indian users of personal finance, salary tracking, and banking apps deliver strong contextual alignment with NIRA's target salaried audience.

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.