If you already have a network of people who occasionally ask you "do you know a good place to get a loan from?" — friends, clients, colleagues, or contacts from another line of work — becoming a DSA (Direct Selling Agent) turns that trust into an income stream, without needing a finance background or heavy upfront investment.

What a DSA actually does

A DSA refers potential borrowers to lenders and helps them through the application process — collecting basic documents, explaining loan options, and following up until disbursement. You're not underwriting the loan or taking on any credit risk yourself; the lender makes the final call on approval, rate, and amount. Your role is purely referral and facilitation.

How commissions actually work

Commission is typically a percentage of the disbursed loan amount, paid by the lender once the loan is sanctioned and funds are released to the borrower — not at the point of application. Rates vary by loan type and lender: secured loans like Home Loan or Loan Against Property usually carry a lower percentage but on much larger ticket sizes, while unsecured Personal or Business Loans carry a higher percentage on smaller amounts. Our lets you estimate potential monthly income based on how many referrals you expect to convert.

Do you need any certification?

Individual DSAs in India generally don't need a specific licence to refer loans, though most reputable aggregators — including MudraHub — will have you complete a short onboarding process covering compliance basics, KYC norms, and how to represent loan products accurately to borrowers. This protects both you and the borrower, and it's usually completed within a day or two of registering.

How to get started

  1. Register — fill in your basic details and any relevant experience on our Partner page. No fixed targets or franchise fee to get started.
  2. Complete onboarding — a short compliance and product walkthrough so you can represent our lending panel accurately.
  3. Get your referral link/code — used to track every lead you bring in, so commission attribution is clear and transparent.
  4. Start referring — share the link with your network, or submit leads directly through your partner dashboard as they come in.
  5. Track and get paid — follow each lead's status from application to disbursement, and receive your commission once the loan is funded.

Who this works well for

  • Insurance agents and mutual fund distributors who already have client trust around financial products
  • Real estate agents and property consultants, whose clients frequently need home loans or LAP
  • Chartered accountants and tax consultants with small business clients who need working capital
  • Anyone with a genuine local network — this isn't limited to finance professionals

Ready to see what this could look like for you?

Register as a partner →

The honest truth about DSA income: it scales with the trust you already have, not with how hard you push. A handful of well-matched referrals a month, done consistently, compounds into a meaningful secondary income over time — without you ever having to carry any lending risk yourself.

This article is for general information only. Commission rates, payout timelines, and onboarding requirements are subject to MudraHub's partner terms and applicable RBI/lender guidelines, and may change. No income is guaranteed and depends entirely on referred loans being sanctioned and disbursed.