How Does the FINO Merchant Commission Calculator Work?

Using the calculator is simple.

Step 1: Select or Enter Your Monthly Transactions

Enter the number of transactions or transaction value you normally generate during a month.

For example:

AePS

If you complete 100 transactions in a particular transaction slab, enter 100 in the corresponding field.

CASA

If you open 20 eligible accounts during the month, enter 20.

FD

If customers book ₹5,00,000 of eligible FD business, enter ₹5,00,000.

Loan Referral

If an eligible loan is successfully referred/disbursed, enter the applicable loan amount.

Step 2: Enter Different Services Separately

Different FINO services can have different commission structures.

Therefore, the calculator keeps the major activities separate.

This helps you understand which services are contributing most to your estimated income.

Step 3: Click Calculate Commission

After entering your figures, the calculator automatically calculates the estimated commission.

You can see:

Estimated Monthly Income

Estimated Annual Income

Approximate Daily Average

What Services Can You Calculate?

The FINO Merchant Commission Calculator includes several major earning categories.

1. AePS / mATM Commission

AePS and mATM transactions can be an important part of a merchant’s transaction-based income.

The calculator provides separate transaction slabs so that you can enter the number of transactions in each applicable range.

For example:

• ₹100–₹999
• ₹1,000–₹1,499
• ₹1,500–₹1,999
• ₹2,000–₹2,499
• ₹2,500–₹2,999
• ₹3,000–₹3,999
• ₹4,000–₹7,999
• ₹8,000–₹10,000

The calculator then estimates the commission according to the entered activity.

2. DMT Commission

DMT (Domestic Money Transfer) is another service included in the calculator.

You can enter the number of transactions for different transfer amounts.

For example:

• ₹1,000 transactions
• ₹3,000 transactions
• ₹5,000 transactions
• ₹10,000 transactions

The calculator uses the applicable example commission figures configured in the tool to estimate your DMT income.

3. AePS Mini Statement

If you provide AePS Mini Statement services, enter the number of mini statements generated during the month.

The calculator adds the applicable estimated amount to your total.

4. CASA Account Opening Commission

CASA can be another important source of merchant income.

The calculator allows you to enter different account types, including:

• Shubh SA
• Bhavishya SA
• Gullak SA
• Saral SA
• Jan SA
• Aarambh SA
• Gati
• Pragati CA
• Sampann CA

You can enter the number of accounts opened during the month.

5. CASA Hungama Incentive

The calculator also includes the CASA Hungama slab.

Depending on the selected slab, the applicable incentive can change based on the number of eligible CASA accounts.

The calculator provides selectable slabs such as:

• 1–2 accounts
• 3–5 accounts
• 6–10 accounts
• 11–25 accounts
• 26–49 accounts
• 50+ accounts

Select the applicable slab for your monthly activity.

Always verify the current campaign terms before treating the calculated amount as payable commission.

6. CASA MAB Incentive

The tool also allows you to enter the number of eligible accounts for the MAB-related incentive.

MAB refers to the applicable minimum average balance requirement.

Enter the number of accounts that satisfy the relevant conditions to estimate the additional incentive.

7. PAN-Linked CASA Accounts

If applicable, you can enter the number of CASA accounts for which the PAN-related incentive applies.

The calculator adds the configured per-account amount to the estimated income.

8. First Passbook Print

If your applicable scheme provides a commission/incentive for the first passbook print, enter the number of eligible prints.

The calculator will add this amount to your estimate.

9. CASA Withdrawal Commission

The calculator includes multiple CASA withdrawal slabs.

You can enter the number of withdrawals in the applicable amount range.

For example:

• ₹500–₹999
• ₹1,000–₹1,499
• ₹1,500–₹1,999
• ₹2,000–₹2,499
• ₹2,500–₹3,499
• ₹3,500–₹3,999
• ₹4,000–₹6,999
• ₹7,000–₹10,000
• ₹10,001–₹5,00,000

This helps estimate your withdrawal-related commission.

10. CASA Cash Deposit

The tool also provides fields for CASA cash deposits.

Enter the applicable total deposit value for different ranges:

• ₹500–₹1,000
• ₹1,001–₹5,000
• Above ₹5,000

The calculator applies the configured percentage/maximum amount rules to estimate the commission.

11. Fixed Deposit (FD) Commission

If you help customers open eligible Fixed Deposits, you can enter the total new FD amount.

For example:

Total FD business = ₹5,00,000

The calculator applies the configured FD commission percentage and displays the estimated commission.

12. Gold Loan Commission

The tool includes several Gold Loan referral categories.

You can enter the eligible loan amount for:

• Bajaj Gold Loan
• ETG Scheme 2
• Muthoot higher-value category
• Muthoot lower-value category
• Muthoot existing customers

The calculator then estimates the referral commission according to the rates configured in the tool.

Important: Loan commission may depend on successful processing/disbursement and applicable product conditions.

13. Home Loan & LAP Commission

The calculator also allows you to estimate income from eligible loan referrals.

Included categories include:

• Easy Home Finance – Home Loan
• Easy Home Finance – LAP
• Aditya Birla Capital – LAP
• Tyger Capital
• MRHFL

Enter the applicable eligible loan amount to calculate an approximate referral commission.

14. BBPS Commission

BBPS (Bharat Bill Payment System) activity can also be entered into the calculator.

Enter the applicable transaction value and the tool will calculate the configured estimated commission.

15. Mobile Recharge Commission

The calculator includes recharge categories such as:

• Vodafone
• Jio
• Idea
• Airtel
• Videocon

Enter your monthly recharge value for the relevant operator.

The calculator estimates the corresponding commission.

16. Insurance Commission

Insurance commission can vary significantly depending on the product and applicable scheme.

For this reason, the calculator provides a manual insurance commission field.

If your actual commission statement shows ₹2,500 from eligible insurance business, for example, you can enter:

₹2,500

The calculator will include that amount in your estimated total.

17. Other FINO Services

If you receive commission from another eligible service that isn’t separately listed, you can enter the amount in the Other FINO Services Commission field.

This makes the calculator more flexible.

Example: How Can a Merchant Use the Calculator?

Suppose a merchant has the following monthly activity:

The merchant enters these numbers into the calculator.

The tool calculates each category separately and then adds them together.

Estimated Income =

AePS/mATM + DMT + CASA + FD + Loans + Recharge + Other Services

This makes it easier to understand how different services can contribute to overall merchant earnings.

Why Use a FINO Merchant Commission Calculator?

Easy Calculation

You don’t need to calculate every transaction manually.

Plan Your Business

You can test different transaction volumes and see how the estimated income changes.

Understand Different Income Sources

The tool helps you identify which services are contributing to your estimated commission.

Set Monthly Targets

For example, you can enter a target such as:

100 AePS transactions + 50 DMT transactions + 20 CASA accounts

and see the approximate result.

Free Online Tool

The calculator is designed to be simple and easy to use from desktop or mobile devices.

Can FINO Merchant Earn ₹30,000-₹1,00,000 Per Month?

A merchant may see different income levels depending on transaction volume, customer footfall, services offered, eligible commission rates and applicable schemes.

However, there is no guaranteed monthly income.

Therefore, figures such as ₹30,000, ₹50,000 or ₹1,00,000 should be treated as business targets or possible scenarios, not guaranteed FINO Merchant salaries.

The best way to estimate your own potential is to enter your actual monthly transaction numbers into the calculator.

FINO Merchant Commission Calculator vs Actual Commission

It is important to understand the difference.

Calculator

Provides an approximate estimate using the commission figures configured in the tool.

Actual Commission

Your actual payout may depend on:

• Current FINO commission structure
• Merchant category
• Applicable campaign
• Transaction eligibility
• Product eligibility
• Successful transactions
• Loan disbursement
• Insurance product
• Promotional scheme
• Current terms and conditions

Therefore, always compare your calculation with your latest FINO/FinoMitra commission statement.

How to Increase Your FINO Merchant Business?

Instead of depending on only one service, merchants can consider building multiple service categories.

For example:

AePS + DMT + CASA + FD + BBPS + Recharge + Loan Referrals

This can help diversify your potential revenue sources.

A merchant with high customer footfall may have more opportunities to generate transactions than a low-footfall outlet.

Who Can Use This Calculator?

The calculator can be useful for:

• Existing FINO Merchants
• FINO BC Points
• Retail banking outlets
• Small shop owners
• Kirana store owners
• Mobile shop owners
• Pharmacy owners
• CSC operators
• Entrepreneurs exploring FINO Merchant opportunities
• People researching banking CSP business models

Want to Become a FINO Merchant?

If you are not yet a FINO Merchant and want to explore the opportunity, you can contact Vyapar Grow for information and registration guidance.

Vyapar Grow

FINO Merchant Registration | FINO CSP | BC Point | Banking Services

Visit:

www.vyapargrow.in

Before applying, check your eligibility, required documents, applicable charges and current FINO terms.

Start Calculating Your FINO Merchant Income

Don’t guess your potential income.

Enter your actual monthly:

AePS + DMT + CASA + FD + Loan + BBPS + Recharge + Other Services

and see your estimated FINO Merchant commission.

Calculate Your Approximate FINO Merchant Income Above

Want to Become a FINO Merchant?

Visit: www.vyapargrow.in