Nira Affiliate Program

Why Promote This Offer

The Nira affiliate program pays a CPA of $1 for every bank statement upload event in India. Because the trigger sits early in the funnel, well before disbursal, conversion rates are high and publishers can scale volume quickly.

1. An early-funnel trigger converts far more often than disbursal-based events, so effective EPC stays competitive despite the modest payout.
2. Nira serves salaried Indians underserved by big banks, a large and motivated audience segment.
3. Small-ticket credit line demand is constant in India, with reliable month-end and emergency-driven spikes.
4. The bank statement upload is a single, clearly defined event that tracks cleanly with minimal dispute risk.

Who Should Promote This

Ideal Publisher Profile

Suited to high-volume publishers, in-app media buyers, finance content sites, and creators reaching entry-level and mid-income salaried Indians.

Audience Match

Converts with salaried Indians aged 21 to 40 earning modest incomes who need small loans or a standby credit line.

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

Follow RBI digital lending norms. Make clear that the credit limit depends on the user's bank statement assessment and is not guaranteed.

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 Nira app on Google Play.
3. User installs the app and registers.
4. User completes a bank statement upload.
5. The S2S Postback fires the conversion event to the affiliate network.
6. Conversion enters the 30-day validation window.
7. After validation, $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 India user

Promotional Tips

• Pitch the credit line angle, money available when needed, rather than a one-time loan.
• Walk users through the bank statement upload step in your content to reduce funnel drop-off.
• Target users searching for loans without high salary requirements or strong credit scores.
• Run high-volume in-app and native placements, this early-funnel event rewards scale.

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.