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FINO Distributor Commission & Earning – Complete Table
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FINO Distributor की earning एक ही source से नहीं होती। अलग-अलग services, merchant activity, transaction volume और product referrals के आधार पर earning बन सकती है।
नीचे September scheme में दिए गए commission structure को आसान examples के साथ समझाया गया है। Actual payout applicable FINO scheme, eligibility और T&C पर depend करेगा।
FINO Distributor Commission – Quick Earning Table
| Earning Source | Commission / Incentive | Example | Approx. Earning |
|---|---|---|---|
| Merchant EDD | ₹75 per eligible EDD | 100 EDD × ₹75 | ₹7,500 |
| Merchant Throughput | 0.18%–0.22% | ₹1 Crore × 0.20% | ₹20,000 |
| Remittance | ₹0.15–₹1 per transaction | 5,000 transactions × ₹1 | ₹5,000 |
| mATM Activation | ₹100 per eligible merchant | 50 merchants × ₹100 | ₹5,000 |
| New FD | 0.05% | ₹10 Lakh FD | ₹500 |
| BrainGym Subscription | 1% | ₹1,000 subscription | ₹10 |
| Cash Deposit/Withdrawal | 0.05% or ₹1, whichever is lower | ₹10,000 transaction | ₹1 |
| Home Loan Referral | Product-wise | ₹15 Lakh × 1% | ₹15,000 |
| LAP Referral | Product-wise | ₹15 Lakh × 0.80% | ₹12,000 |
| Tyger Capital HL/LAP | 0.50% | ₹15 Lakh × 0.50% | ₹7,500 |
| MRHFL Home Loan | 0.35% | ₹15 Lakh × 0.35% | ₹5,250 |
ऊपर के figures uploaded September scheme में दिए गए commission/incentive structure और examples पर आधारित हैं।
1. Merchant EDD से Earning
| Eligible EDD | Commission | Calculation | Earning |
|---|---|---|---|
| 10 | ₹75 | 10 × ₹75 | ₹750 |
| 50 | ₹75 | 50 × ₹75 | ₹3,750 |
| 100 | ₹75 | 100 × ₹75 | ₹7,500 |
| 200 | ₹75 | 200 × ₹75 | ₹15,000 |
| 500 | ₹75 | 500 × ₹75 | ₹37,500 |
₹600 और उससे ऊपर के applicable onboarding model में distributor द्वारा EDD complete करने पर ₹75 commission का उल्लेख scheme में है।
2. Merchant Throughput से Earning
Throughput distributor earning का important component है।
| Throughput | Applicable Rate | Calculation | Approx. Earning |
|---|---|---|---|
| ₹50 Lakh | 0.18% | ₹50L × 0.18% | ₹9,000 |
| ₹75 Lakh | 0.20% | ₹75L × 0.20% | ₹15,000 |
| ₹1 Crore | 0.20% | ₹1Cr × 0.20% | ₹20,000 |
| ₹1.5 Crore | 0.21% | ₹1.5Cr × 0.21% | ₹31,500 |
| ₹2 Crore | 0.21% | ₹2Cr × 0.21% | ₹42,000 |
| ₹3 Crore | 0.22% | ₹3Cr × 0.22% | ₹66,000 |
| ₹4 Crore | 0.22% | ₹4Cr × 0.22% | ₹88,000 |
Scheme में throughput slabs के लिए 0.18%, 0.20%, 0.21% और 0.22% rates दिए गए हैं।
Important: ऊपर की calculation समझाने के लिए है। Slab applicability और final payout scheme की conditions के अनुसार verify करना चाहिए।
3. Remittance से Earning
| Remittance Amount | Payout / Transaction | 1,000 Transactions | 5,000 Transactions | 10,000 Transactions |
|---|---|---|---|---|
| ₹101–₹500 | ₹0.15 | ₹150 | ₹750 | ₹1,500 |
| ₹501–₹1,000 | ₹0.25 | ₹250 | ₹1,250 | ₹2,500 |
| ₹1,001–₹10,000 | ₹1.00 | ₹1,000 | ₹5,000 | ₹10,000 |
ये remittance payouts uploaded September scheme में दिए गए हैं।
4. mATM Activation से Earning
Eligible first-time mATM merchant activation पर scheme में ₹100 per merchant का incentive दिया गया है।
| Eligible New mATM Merchants | Incentive | Approx. Earning |
|---|---|---|
| 10 | ₹100 | ₹1,000 |
| 25 | ₹100 | ₹2,500 |
| 50 | ₹100 | ₹5,000 |
| 100 | ₹100 | ₹10,000 |
| 200 | ₹100 | ₹20,000 |
इसके लिए scheme में minimum 5 transactions या ₹10,000 transaction value जैसी conditions भी दी गई हैं।
5. FD से Distributor Earning
New eligible FD पर scheme में 0.05% commission दिया गया है।
| New FD Business | Rate | Calculation | Approx. Earning |
|---|---|---|---|
| ₹1 Lakh | 0.05% | ₹1L × 0.05% | ₹50 |
| ₹5 Lakh | 0.05% | ₹5L × 0.05% | ₹250 |
| ₹10 Lakh | 0.05% | ₹10L × 0.05% | ₹500 |
| ₹25 Lakh | 0.05% | ₹25L × 0.05% | ₹1,250 |
| ₹50 Lakh | 0.05% | ₹50L × 0.05% | ₹2,500 |
| ₹1 Crore | 0.05% | ₹1Cr × 0.05% | ₹5,000 |
6. Home Loan से Earning
Home Loan referral में earning lender/product के अनुसार अलग हो सकती है।
Uploaded scheme में Easy Home Finance Home Loan के लिए 1% payout का example दिया गया है।
| Loan Disbursement | Rate | Approx. Earning |
|---|---|---|
| ₹5 Lakh | 1% | ₹5,000 |
| ₹10 Lakh | 1% | ₹10,000 |
| ₹15 Lakh | 1% | ₹15,000 |
| ₹20 Lakh | 1% | ₹20,000 |
| ₹30 Lakh | 1% | ₹30,000 |
| ₹50 Lakh | 1% | ₹50,000 |
7. LAP से Earning
Easy Home Finance LAP के लिए scheme में 0.80% payout का example दिया गया है।
| LAP Disbursement | Rate | Approx. Earning |
|---|---|---|
| ₹5 Lakh | 0.80% | ₹4,000 |
| ₹10 Lakh | 0.80% | ₹8,000 |
| ₹15 Lakh | 0.80% | ₹12,000 |
| ₹20 Lakh | 0.80% | ₹16,000 |
| ₹30 Lakh | 0.80% | ₹24,000 |
| ₹50 Lakh | 0.80% | ₹40,000 |
8. Different Loan Partners – Earning Comparison
| Loan Partner / Product | Rate | ₹15 Lakh Disbursement पर Example Earning |
|---|---|---|
| Easy Home Finance – Home Loan | 1.00% | ₹15,000 |
| Easy Home Finance – LAP | 0.80% | ₹12,000 |
| Aditya Birla Capital – LAP | 0.80% | ₹12,000 |
| Tyger Capital – HL/LAP | 0.50% | ₹7,500 |
| MRHFL – Home Loan | 0.35% | ₹5,250 |
ये examples uploaded September scheme के earning-potential section से लिए गए हैं।
9. Gold Loan से Earning
Gold Loan में payout product और scheme के अनुसार अलग है।
| Gold Loan Product | Scheme Rate | Example |
|---|---|---|
| Bajaj Gold Loan – Scheme 2 | 0.02250% | ₹1 Lakh पर approx. ₹22.50 |
| Bajaj Gold Loan – New | 0.01500% | ₹1 Lakh पर approx. ₹15 |
| Muthoot Fincorp – ₹1 Lakh | 0.02250% | ₹1 Lakh पर approx. ₹22.50 |
| HDB Financial – >₹5 Lakh / Scheme 2 | 0.00500% | ₹1 Lakh पर approx. ₹5 |
| Muthoot Fincorp – Existing | 0.02250% | ₹1 Lakh पर approx. ₹22.50 |
| Muthoot Fincorp – <₹5 Lakh | 0.03500% | ₹1 Lakh पर approx. ₹35 |
ये rates और examples scheme में दिए गए हैं।
10. Cash Deposit & Withdrawal Earning
Scheme में 0.05% या ₹1, जो भी कम हो payout दिया गया है।
| Transaction Amount | 0.05% Calculation | ₹1 Limit | Applicable Example |
|---|---|---|---|
| ₹100 | ₹0.05 | ₹1 | ₹0.05 |
| ₹500 | ₹0.25 | ₹1 | ₹0.25 |
| ₹1,000 | ₹0.50 | ₹1 | ₹0.50 |
| ₹2,000 | ₹1 | ₹1 | ₹1 |
| ₹5,000 | ₹2.50 | ₹1 | ₹1 |
| ₹10,000 | ₹5 | ₹1 | ₹1 |
FINO Distributor Monthly Earning – Example
अब अलग-अलग sources को combine करके समझते हैं।
मान लीजिए एक distributor के पास एक महीने में निम्न eligible business है:
| Activity | Example Business | Approx. Earning |
|---|---|---|
| Merchant EDD | 100 EDD | ₹7,500 |
| Merchant Throughput | ₹1 Crore | ₹20,000 |
| Remittance | 5,000 transactions | ₹5,000 |
| mATM Activation | 50 merchants | ₹5,000 |
| New FD | ₹10 Lakh | ₹500 |
| Home Loan | ₹15 Lakh disbursement | ₹15,000 |
| LAP | ₹15 Lakh disbursement | ₹12,000 |
| Total Example | — | ₹65,000 |
Example Total
₹7,500 + ₹20,000 + ₹5,000 + ₹5,000 + ₹500 + ₹15,000 + ₹12,000
= ₹65,000
यह केवल illustrative earning example है। इसका मतलब यह नहीं है कि हर FINO Distributor को ₹65,000 fixed या guaranteed monthly income मिलेगी।
₹30,000 Monthly Earning का Example
अगर कोई distributor छोटा network operate कर रहा है, तो एक illustrative combination इस तरह हो सकता है:
| Activity | Example | Earning |
|---|---|---|
| EDD | 50 × ₹75 | ₹3,750 |
| Throughput | ₹50 Lakh × 0.18% | ₹9,000 |
| Remittance | 5,000 × ₹1 | ₹5,000 |
| mATM | 25 × ₹100 | ₹2,500 |
| FD | ₹10 Lakh × 0.05% | ₹500 |
| Home Loan | ₹10 Lakh × 1% | ₹10,000 |
| Total | ₹30,750 |
इस example से समझ आता है कि distributor की earning अलग-अलग activities को combine करके build हो सकती है।
₹50,000 Monthly Earning का Example
| Activity | Example | Earning |
|---|---|---|
| EDD | 100 × ₹75 | ₹7,500 |
| Throughput | ₹1 Crore × 0.20% | ₹20,000 |
| Remittance | 5,000 × ₹1 | ₹5,000 |
| mATM | 50 × ₹100 | ₹5,000 |
| FD | ₹10 Lakh × 0.05% | ₹500 |
| Home Loan | ₹12 Lakh × 1% | ₹12,000 |
| Total | ₹50,000 |
यह भी एक sample calculation है, guaranteed income नहीं।
₹1 Lakh Monthly Earning का Example
High earning के लिए distributor को बड़ा और active merchant network तथा multiple eligible products की जरूरत हो सकती है।
एक illustrative example:
| Activity | Example | Earning |
|---|---|---|
| EDD | 200 × ₹75 | ₹15,000 |
| Throughput | ₹2 Crore × 0.21% | ₹42,000 |
| Remittance | 10,000 × ₹1 | ₹10,000 |
| mATM | 100 × ₹100 | ₹10,000 |
| FD | ₹20 Lakh × 0.05% | ₹1,000 |
| Home Loan | ₹15 Lakh × 1% | ₹15,000 |
| LAP | ₹10 Lakh × 0.80% | ₹8,000 |
| Total | ₹1,01,000 |
यह calculation केवल earning structure को समझाने के लिए है। ₹1 lakh monthly income guaranteed नहीं है।
FINO Distributor Earning का Simple Formula
Distributor अपनी approximate earning को इस तरह समझ सकता है:
Total Earning =
EDD Commission
- Throughput Commission
- Remittance Payout
- mATM Incentive
- FD Commission
- CASA/Product Commission
- Insurance Commission
- Loan Referral Commission
- Gold Loan Commission
- Other Eligible Incentives
कौन-सी Activity ज्यादा Earning Potential दे सकती है?
| Activity | Earning Potential | क्यों Important है? |
|---|---|---|
| Merchant Throughput | High | Large transaction volume पर percentage-based earning |
| Home Loan/LAP | High per successful case | Loan ticket size बड़ा हो सकता है |
| Merchant EDD | Medium | Merchant onboarding volume से earning |
| Remittance | Volume-based | ज्यादा transactions से earning बढ़ सकती है |
| mATM Activation | Fixed incentive | Eligible new activation पर ₹100 |
| FD | Volume-based | Deposit amount के आधार पर |
| Insurance | Product-based | Product-wise payout |
| Gold Loan | Product-based | Partner और scheme के अनुसार payout |
| CASA | Product-based | Eligible account/product activation |
Important: Gross Earning और Net Income अलग हैं
Distributor को केवल commission देखकर profit calculate नहीं करना चाहिए।
Net Income = Total Commission – Business Expenses
Possible expenses:
- Staff Salary
- Office/Outlet Cost
- Travel Expense
- Internet
- Electricity
- Device/Equipment
- Marketing
- Customer Support
- Other Operational Expenses
उदाहरण:
अगर monthly gross commission:
₹65,000
है और business expenses:
₹15,000
हैं, तो illustrative net amount:
₹65,000 – ₹15,000 = ₹50,000
हो सकता है।
इसलिए FINO Distributor business में gross commission और actual profit को अलग-अलग समझना जरूरी है।
Final Earning Summary
| Monthly Business Level | Example Earning |
|---|---|
| Small Activity | ₹10,000–₹30,000* |
| Growing Network | ₹30,000–₹50,000* |
| Active Distributor | ₹50,000–₹1,00,000+* |
| Large Merchant Network | ₹1,00,000+ possible* |
*ये income ranges guaranteed नहीं हैं। ये केवल ऊपर दिए गए commission examples को समझाने के लिए illustrative business scenarios हैं। Actual income merchant network, transaction volume, successful onboarding, product sales, loan disbursement और applicable FINO scheme पर depend करेगी।
Uploaded September scheme में भी commission structure को applicable terms के अधीन रखा गया है और scheme change होने की संभावना बताई गई है।