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Partner programme · CSP outlet

Open a CSP outlet. Earn on every card and every loan.

Sell RBS Nidhi Prime and Crown membership cards in your area, with no minimum order to start. Earn 2% on every card you sell (3% from Diamond) and 4% of the principal of every loan your customers fully repay. Qualify for a tier, from Gold to Black Diamond, for card discounts and company support for staff, rent and fuel.

Apply to open an outlet See the tiers

Card commission2% – 3% per card

Loan commission4% of principal

Card discountsUp to ₹180 / ₹200

Company supportUp to ₹1,55,000 a month

Every outlet

What every outlet earns

From your first card, with or without a tier.

2% on every card

Of each card you sell to a customer: ₹39.98 per Prime card and ₹69.98 per Crown card. Diamond and Black Diamond outlets earn 3%.

4% of loan principal

Paid once your customer's loan is fully recovered. For example, ₹4,000 on a ₹1 Lakh loan.

No minimum order

Start with as many cards as you need. A larger first order, with an office of the right size, can qualify you for a tier straight away.

Outlet tiers

Four tiers. More as you grow.

Join a tier with a one-time first order and an office of the right size. Keep its benefits by meeting its sales target every week.

Your tier's discount comes on top of your card commission. At Gold you pay ₹1,939 for a Prime card (₹1,999 − ₹60) and sell it at ₹1,999, and you still earn ₹39.98 commission (2%): ₹99.98 on that card.

Tier 1
Gold

₹32,000a month of company support, at most

To join

First order
200 Prime+ 200 Crown

Office
150–300 sq ft

You get

Card commission
2%of each card sold

Card discount
₹60 off Prime₹80 off Crownon each card you buy

Staff salaries
2 × ₹11,000a month

Office rent
Up to ₹10,000a month

Fuel
Not included

To keep it

Sell every week
120 Prime+ 120 Crown240 cards
Tier 2
Platinum

₹57,000a month of company support, at most

To join

First order
400 Prime+ 400 Crown

Office
300–650 sq ft

You get

Card commission
2%of each card sold

Card discount
₹80 off Prime₹100 off Crownon each card you buy

Staff salaries
4 × ₹11,000a month

Office rent
Up to ₹13,000a month

Fuel
Not included

To keep it

Sell every week
240 Prime+ 240 Crown480 cards
Tier 3
Diamond

₹97,000a month of company support, at most

To join

First order
1,200 Prime+ 1,200 Crown

Office
650–1,050 sq ft

You get

Card commission
3%of each card sold

Card discount
₹100 off Prime₹150 off Crownon each card you buy

Staff salaries
6 × ₹11,000a month

Office rent
Up to ₹25,000a month

Fuel
₹6,000a month

To keep it

Sell every week
360 Prime+ 360 Crown720 cards
Tier 4
Black Diamond

₹1,55,000a month of company support, at most

To join

First order
2,500 Prime+ 2,500 Crown

Office
1,050–1,500 sq ft

You get

Card commission
3%of each card sold

Card discount
₹180 off Prime₹200 off Crownon each card you buy

Staff salaries
10 × ₹11,000a month

Office rent
Up to ₹35,000a month

Fuel
₹10,000a month

To keep it

Sell every week
960 Prime+ 960 Crown1,920 cards

What you earn on each cardYour tier's discount plus its card commission on a Prime (₹1,999) or Crown (₹3,499) card, and what a week at the tier's target earns from cards. Loan commission is on top.
Tier	Per Prime card	Per Crown card	Weekly target	Card earnings at target	Company support
No tier	₹39.982% commission	₹69.982% commission	None	–	–
Gold	₹99.98₹60 discount + ₹39.98 (2%)	₹149.98₹80 discount + ₹69.98 (2%)	240 cards120 Prime + 120 Crown	₹29,995a week	₹32,000a month, at most
Platinum	₹119.98₹80 discount + ₹39.98 (2%)	₹169.98₹100 discount + ₹69.98 (2%)	480 cards240 Prime + 240 Crown	₹69,590a week	₹57,000a month, at most
Diamond	₹159.97₹100 discount + ₹59.97 (3%)	₹254.97₹150 discount + ₹104.97 (3%)	720 cards360 Prime + 360 Crown	₹1,49,378a week	₹97,000a month, at most
Black Diamond	₹239.97₹180 discount + ₹59.97 (3%)	₹304.97₹200 discount + ₹104.97 (3%)	1,920 cards960 Prime + 960 Crown	₹5,23,142a week	₹1,55,000a month, at most

Earnings estimator

Estimate a week

Pick a tier and move the sliders. Picking a tier sets the cards to its weekly target. Company support is paid monthly, on top.

Your tier

Gold: 2% card commission, ₹60 off each Prime card and ₹80 off each Crown card, plus up to ₹32,000 a month of company support.

Prime cards sold this week120 cards

01,500 cards

Crown cards sold this week120 cards

01,500 cards

Loans fully repaid by your customers₹2,00,000

₹0₹50 Lakh

Loan commission is paid on the principal of loans that are fully recovered.

Your earnings this weekGold

₹37,995

card commission, tier discount and loan commission

How it's worked out

Card sales at full price120 Prime × ₹1,999 + 120 Crown × ₹3,499₹6,59,760
2% card commissionon all card sales₹13,195
Gold discount120 × ₹60 + 120 × ₹80₹16,800
4% loan commissionon ₹2,00,000 fully repaid₹8,000
Your earnings this week₹37,995

Gold's weekly target is 120 Prime + 120 Crown cards. This week meets it.

Cards sold this week240

Support a monthUp to ₹32,000

Apply to open an outlet

An example, not typical or guaranteed earnings. The discount is on the price you pay us for cards; you sell them at the full price. Company support is paid as staff salaries (to your staff), rent and fuel, up to the amounts shown.

How an outlet works

Four steps to your first commission

Join and stock up

Sign the partner agreement and order the cards you need; there is no minimum. To start in a tier, place its first order, from 200 Prime + 200 Crown cards for Gold.

Sell membership cards

Prime at ₹1,999 and Crown at ₹3,499. You earn 2% on each card sold (3% from Diamond), plus your tier's discount.

Customers borrow

Your customers take loans from RBS Nidhi on their Prime or Crown ladder, one step at a time.

Earn as loans are repaid

When a loan is fully recovered, you earn 4% of its principal.

Commissions, discounts and company support are paid under the RBS Nidhi partner agreement, which sets out the full terms, including how a tier is assessed, what happens if a weekly target is missed, which loans count towards loan commission, and the conditions for staff salaries, rent and fuel.

Where you fit

Your place in the network

Lender
RBS Nidhi Limited
- Issues Prime and Crown membership cards
- Verifies KYC and assesses credit
- Gives every loan of the ladder
- Collects repayments and unlocks the next step
Partner
Leaders
- Build a network of CSP outlets
- Earn 5% of their outlets' card sales
- Plus a weekly bonus of 0.01% to 0.20%, by level
About Leaders
You
CSP outlets
- Sell Prime and Crown cards to customers
- Earn 2% to 3% on every card sold, by tier
- And 4% of loan principal once repaid
- Tiers add card discounts and support for staff, rent and fuel
Member
Customers
- Buy a card at an outlet, or online
- Borrow on the loan ladder, one step at a time
- Repay a step to unlock the next

Leaders and outlets sell membership cards; they do not lend. Every loan is given by RBS Nidhi Limited and repaid to RBS Nidhi Limited.

Open your outlet

Bring RBS Nidhi to your neighbourhood.

Register in the RBS Nidhi app with your mobile number in two minutes. Questions? Write to support@rbsnidhi.com or call 011 6932 0131.

Apply now Leader benefits

Open a CSP outlet. Earn on every card and every loan.

What every outlet earns

2% on every card

4% of loan principal

No minimum order

Four tiers. More as you grow.

Gold

To join

You get

To keep it

Platinum

To join

You get

To keep it

Diamond

To join

You get

To keep it

Black Diamond

To join

You get

To keep it

Estimate a week

Four steps to your first commission

Join and stock up

Sell membership cards

Customers borrow

Earn as loans are repaid

Your place in the network

RBS Nidhi Limited

Leaders

CSP outlets

Customers

Bring RBS Nidhi to your neighbourhood.