The Market Potential
- India’s loan disbursement market exceeds ₹20 lakh crore annually.
- Demand is growing for Home Loans, Personal Loans, LAP, BL, EL, and Vehicle Loans.
- DSAs contribute significantly to loan sourcing but face challenges with working capital and payout delays.
- An organized Aggregator model presents a significant opportunity.
The Problem DSAs Face
- Payouts from banks are delayed by 30 to 60 days.
- Cash flow shortages hinder smooth operations.
- Bank compliance requirements are challenging for small DSAs to manage directly.
The Aggregator Role
- You act as a funding partner by releasing payouts to DSAs after bank confirmation.
- There is no need to manage direct operations or bank compliance.
- Your role serves as a bridge between DSAs and Corporate DSA (DCF).
Payout Sharing Model
Your earnings depend on the code used and the minimum revenue achieved.
| Code Type | Payout % (if MRC Not Met) | Payout % (if MRC Met) |
|---|---|---|
| DCF Direct Code | 95% | 99% |
| Partner Code | 9X.X% | 9X.X % |
*T&C Apply – Actual payout depends on bank clearance and aggregator agreement.
Minimum Revenue Commitment (MRC)
- Tehsil-level minimum revenue is ₹12,500 per month.
- District-level minimum revenue is ₹25,000 per month.
- Maximum payout is capped at 95% for DCF Code until MRC is achieved.
- Payout eligibility resets to 99% for DCF after MRC is met for the month.
*T&C Apply – Revenue thresholds are subject to periodic review.
Incentive Sharing (After Receipt from Bank)
Additional income through bank incentive schemes. Shared as per your business volume.
| Billing Volume Slab | Aggregator Incentive Share |
|---|---|
| ₹0 – ₹15 lakh | 40% |
| ₹15.1 – ₹25 lakh | 50% |
| ₹25.1 – ₹50 lakh | 60% |
| ₹50 lakh+ | 70% |
*T&C Apply – Incentives shared only after receipt from bank.
Types of Payouts
- Normal payout is calculated as the spread between bank payout and actual disbursement.
- Monthly incentive is rewarded based on total business or loans processed in a month.
- Contest payout includes special rewards for competitions or sales contests.
- Insurance payout provides incentives linked to insurance business or achievements.
Why This is Attractive
- Low risk is ensured as payouts are released only after bank confirmation.
- Steady earnings of ₹25,000 or more per month are assured if your network is active.
- Scalability allows you to earn more as your network grows.
- No compliance hassle exists as DCF handles invoicing, bank relationships, and regulatory matters.
- Prestige is gained by positioning yourself as a financial ecosystem enabler.
Self-Controlled Investment Opportunity
This is a self-controlled investment opportunity where you remain in full control while partnering as an Aggregator. A formal Aggregator-funded payout facilitation agreement will be signed, providing trust and legal clarity.
Process Flow (Aggregator POV)
- DSA processes loan file under DCF/Partner code
- Bank confirms case
- Aggregator releases payout to DSA instantly
- Bank credits payout to DCF
- DCF settles payout
Risk Management for Aggregators
- DCF ensures transparent MIS and repayment once bank clears to handle delayed bank payouts.
- Default risk is zero since payouts occur only after bank confirmation.
- Compliance is not your responsibility as DCF is the registered Corporate DSA.
Growth & Future Vision
- The target is to onboard 100 Aggregators across India.
- Retired bankers, ex-NBFC managers, and senior DSAs are ideal candidates.
- Future plans include cross-selling insurance, credit cards, and investments.
- Long-term vision positions Aggregators as micro-franchise partners in financial distribution.
Awards & Recognitions
Adhar Excellence Award
Kotak Banking Partner
YES Bank Achiever
Divya Bhaskar Award
Other Videos
“Join DCF as a DSA Aggregator & turn your network into a sustainable income stream.”
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