Frequently Asked Questions & Platform Support
Everything you need to know about distributing banking products, lead telemetry, instant UPI withdrawals, and tax compliance.
Is Earning Friend completely free to join?
Yes, 100% free with lifetime access. There are zero registration fees, onboarding costs, or monthly platform charges. Anyone can start referring pre-approved financial products right after signup.
Do I need a financial license (IRDAI or NISM) to refer products?
No special financial certification or license is needed. You act as an independent institutional referral partner. All credit underwriting, background verification, and formal product issuances are handled directly by RBI-registered banks and NBFCs.
What documents are required to complete digital KYC?
You only need your valid PAN Card (for tax and TDS reporting under Section 194H) and your registered Bank Account or UPI ID for instant payout transfers. The verification takes less than 2 minutes.
How does 90-day referral link attribution work?
Every referral link generated from your dashboard contains an encrypted unique partner tracking token. If the applicant clicks your link and completes their application within 90 days, the approval automatically maps to your wallet ledger.
What happens if a customer drops off halfway through application?
Our automated webhook system tracks lead drop-off stages in real time. We trigger gentle automated WhatsApp notifications to help the user resume their KYC directly from where they paused.
Can I refer multiple products to the same person?
Absolutely! For example, you can refer an HDFC Credit Card and a Kotak 811 Zero-Balance Savings Account to the same client. You will earn individual commission payouts for every successfully approved product.
How fast do commissions get credited to my bank account?
The moment a bank webhook reconciles an approved issuance, the funds enter your Available Wallet Balance. You can trigger an instant UPI transfer (Google Pay, PhonePe, Paytm, BHIM) 24/7 with zero waiting periods. Withdrawals are processed in under 15 seconds.
What is the minimum withdrawal threshold?
The minimum threshold for instant UPI withdrawal is just ₹100. For IMPS/NEFT direct bank transfers, the minimum threshold is ₹500. There are zero withdrawal fees.
Are there any hidden cuts or platform commission deductions?
Zero hidden cuts. What you see on the commission slab is what is credited to your wallet. The only statutory deduction is the government-mandated 5% TDS under Section 194H.
Why does a credit card or loan application get declined by the bank?
Common reasons include a CIBIL score below 700, negative pincode serviceability, unserviceable age limits, or mismatched income documentation. In your 'My Leads' dashboard, you can view the exact bank rejection status code.
Can customers with low CIBIL scores get any products?
Yes! We offer secured credit cards against fixed deposits, zero-balance digital savings accounts, and specialized fintech micro-credit products that do not require high initial credit scores.
Why is 5% TDS deducted from my commissions?
Under Section 194H of the Indian Income Tax Act, all corporate brokerage and referral incentives are legally required to have 5% TDS deducted. Earning Friend deposits this directly against your PAN with the government.
How do I download my quarterly Form 16A TDS certificate?
Form 16A is generated automatically at the end of every financial quarter (Q1, Q2, Q3, Q4). You can download your official signed PDF certificate directly from the 'Tax & Compliance' section in your partner dashboard.
Can I invite sub-distributors and earn passive override commissions?
Yes! Earning Friend features a multi-tier agency downline engine. You can share your distributor invitation link to recruit sub-advisors. Whenever they generate an approved lead, you automatically earn a passive override bonus.
Is there a limit on how many sub-distributors I can recruit?
There is no limit. Whether you manage 5 friends or an agency of 500 agents, our dashboard offers full downline hierarchy views and team commission ledgers.
Still Have Questions? We're Here to Help
Connect directly with our dedicated fintech distributor support teams.
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Email Support Desk
Corporate Headquarters
Ready to Build Your Financial Income?
Join 25,000+ certified advisors and distribution partners across India. Recommend 50+ banking, loan, and card products to earn high-slab commissions with instant T+0 payouts.
- 100% Free: Zero registration or platform fees forever
- Instant bank & UPI withdrawals via NPCI switch
- Institutional master contracts with 50+ top Indian banks
Active Wallet Balance
₹18,450
+28.4%
Lead Approval Rate
92.4%
+6.8%
₹4,250.00 Payout Settled
Credited to HDFC Bank in 0.4s
