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Lead a network. Earn up to 5.20%.
As an RBS Nidhi Leader, you earn 5% of the card sales of every CSP outlet in your network, plus a weekly bonus of 0.01% to 0.20%: the rate of the level your network reaches that week.
Two ways to earn, every week
5% base commission
On the card-selling value of every CSP outlet under you. It is paid on every card, whatever your level.
A weekly bonus of 0.01% to 0.20%
On the same card sales, at the rate of the level your network reaches that week. Only that one level's rate is paid; the rates of the levels below it are not added.
A fresh climb every week
The counts start again from zero every week, so your level, and your bonus rate, is worked out afresh each week.
Seven levels. One rate a week.
To reach a level you need both its outlet count and its card count in the week. Your weekly bonus is the rate of the highest level you reach. Level 1 pays the highest rate, and no later level pays more than the one before it.
Only your level's rate counts. If your network reaches level 4 this week, your bonus is 0.03% of the week's card sales. It is not 0.20% + 0.05% + 0.04% + 0.03%.
To reach level 1 you need at least 10 outlets and 500 cards sold in the week. Your bonus is level 1's rate, 0.20%.
- L10.20%
- L20.05%
- L30.04%
- L40.03%
- L50.02%
- L60.02%
- L70.01%
Level 1's rate, 0.20%, is your whole bonus rate for the week.
for the week, at level 1's minimum
- Card sales of your outlets500 cards × ₹1,999₹9,99,500
- 5% base commissionon all card sales₹49,975
- +Level 1 bonus, 0.20%this level's rate only₹1,999
- =Your total for the week₹51,974
- Base commission5%
- Weekly bonus, your level only0.20%
- Your total rate this week5.20%
An example at the level's minimum outlet and card counts, not typical or guaranteed earnings.
| Level | Outlets (min) | Cards in the week (min) | Card sales | 5% base | Bonus rate | Bonus | Your total for the week |
|---|---|---|---|---|---|---|---|
| 1 | 10 | 500 | ₹9,99,500 | ₹49,975 | 0.20% | ₹1,999 | ₹51,974 |
| 2 | 20 | 1,500 | ₹29,98,500 | ₹1,49,925 | 0.05% | ₹1,499 | ₹1,51,424 |
| 3 | 50 | 5,000 | ₹99,95,000 | ₹4,99,750 | 0.04% | ₹3,998 | ₹5,03,748 |
| 4 | 100 | 15,000 | ₹2,99,85,000 | ₹14,99,250 | 0.03% | ₹8,996 | ₹15,08,246 |
| 5 | 250 | 40,000 | ₹7,99,60,000 | ₹39,98,000 | 0.02% | ₹15,992 | ₹40,13,992 |
| 6 | 500 | 85,000 | ₹16,99,15,000 | ₹84,95,750 | 0.02% | ₹33,983 | ₹85,29,733 |
| 7 | 1,000 | 2,00,000 | ₹39,98,00,000 | ₹1,99,90,000 | 0.01% | ₹39,980 | ₹2,00,29,980 |
Your weekly bonus is the rate of the one level your network reaches that week; the rates of different levels are never added together. Examples are at each level's minimum outlet and card counts and are not typical or guaranteed earnings. Commission and bonus are paid under the RBS Nidhi partner agreement, which sets out the full terms, including how the week is counted and when payments are made.
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
-
You
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
-
Partner
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.
Build your network with RBS Nidhi.
Register in the RBS Nidhi app with your mobile number in two minutes. Questions? Write to support@rbsnidhi.com or call 011 6932 0131.