One genuine referral can create an additional income opportunity. A larger referral network can create long-term earning opportunities.
Build a Referral Network That Can Keep Rewarding You.
Create your Finziva Partner account and start referring genuine borrowing opportunities. Start with one referral or build a larger network over time, and earn applicable rewards when eligible steps are completed.
Create Your Partner Account
Verify your mobile number and email address to access your Partner Interface and start referring.
- 1Create Account
- 2Verify Mobile & Email
- 3Start Referring
See What You Could Earn.
Select the expected loan type and amount to view your estimated reward. Providing a Warm Introduction and assisting with documents if asked may unlock enhanced estimated rewards.
Why This Isn’t Just Another Referral Program.
Finziva combines expert borrower guidance, suitable lender matching and long-term reward opportunities—helping more referrals progress while creating more earning opportunities for Partners.
Typical Referral Program
- One successful referral
- One applicable reward
- Limited support after the referral is shared
- A new referral is usually required to earn again
FINZIVA MODEL
Finziva Partner Network
- Earn when you refer a
- Expert borrower guidance and help more referrals progress successfully
- Earn the applicable Loan Reward when the is successfully disbursed
- Earn long-term rewards when the same customer returns for another
One Customer Can Reward You More
Than Once.
Customer Referred
Loan Processed & Disbursed successfully
Rewards Earned (Referral Reward + Loan Reward)
Customer Returns for another loan
Eligible Loan Processed
Partner Receive Rewards Again
When the same customer returns for another through Finziva, you may earn another reward.
*Subject to the Future Reward Requirements shown alongside.
Anyone Can Create a Finziva Partner Account.
You may refer one genuine borrowing opportunity or build a larger referral network. No profession, minimum referral commitment or prior Finziva relationship is required to create an account.
You do not need to refer customers regularly to participate.
Common Partner Types
Existing Customers
Refer a parent, relative, friend, colleague or another person who may be exploring a loan.
Professionals
Identify genuine borrowing opportunities through your professional network.
Builders & Property Consultants
Share potential home-loan or property-finance opportunities.
Vehicle Dealers
Refer potential buyers who may require vehicle-finance assistance.
Chartered Accountants
Identify clients who may be exploring personal, business or property-backed borrowing.
Business Consultants
Connect business owners who may need suitable financing guidance.
One-Time Referrers
Refer one genuine borrowing opportunity and receive the applicable reward when the required conditions are completed.
These examples help show who may use the program; they do not limit who can create a Partner account.
How You Start Earning.
- 01
Create Your Account
Register and verify your mobile number and email address.
- 02
Share a Genuine Opportunity
Submit the available details of someone who may currently be exploring a loan.
- 03
Earn the Applicable Rewards
Rewards become eligible when the defined referral and successful-loan steps are completed.
- 04
Receive Automatic Payouts
Eligible payable balances are transferred automatically during the monthly payout cycle once the payout conditions are met.
Ready to Create Your Partner Account?
Rewards Paid Automatically.
Eligible rewards are processed automatically through the monthly payout cycle.
- 1
Reward Earned
- 2
Payable Balance
- 3
Monthly Payout
- 4
Bank Account
Balances below the automatically carry forward until the Minimum Balance is reached.
Complete Your Payout Details
Verify your identity, tax and bank details before your first payout.
- PAN
- Address proof
- Registered bank-account details
PARTNER INTERFACE
Manage Your Partner Activity in One Place.
Your verified Partner account gives you a dedicated interface to manage referrals and review your reward activity.
- Verified mobile access
- Verified email access
Qualify for Long-Term Rewards Each Year.
Anyone can keep a Partner account and earn from eligible new referrals. To receive long-term rewards from previously referred customers during a particular financial year, you must meet that year’s annual eligibility requirement.
Your Partner Account Remains Active
Not meeting the annual requirement does not close your Partner account or prevent you from submitting new referrals and earning the applicable rewards from them.
Add 3 New Active Referrals in the Financial Year
At least 3 new referred customers must become Active Referrals during that financial year to qualify for long-term rewards payable for that year.
The Customer Keeps You Recorded
The customer must continue to keep you recorded as their referring person.
The Future Loan Must Be Eligible
The future reward applies only when an eligible loan is successfully processed and the applicable Partner Network terms are satisfied.
How Annual Eligibility Is Assessed
Active Referral
An Active Referral is a new referred customer whose eligible loan is successfully processed through Finziva.
- Meets 3 new Active Referrals in a financial year → qualifies for long-term rewards for that year
- Does not meet the requirement in a financial year → does not qualify for long-term rewards for that year
- Partner account remains active in both cases
- New referrals may still earn applicable rewards
Referring several people is not enough by itself. At least 3 new referrals must become Active Referrals during the relevant financial year.
Partner Network Policy.
These points explain how referrals, rewards and payout eligibility are handled in the Finziva Partner Network.
Genuine Referral
- A genuine referral is a real person or business with a current borrowing requirement.
- The referred customer should know that their details are being shared with Finziva.
- Random, incomplete, misleading or non-consented details may not be accepted.
Duplicate Referral
- If the same mobile number already exists in Finziva's system, the later referral may not qualify for Referral Reward.
- This applies when the customer was previously referred by another Partner, recorded through another source or already submitted earlier.
- Finziva checks the referral source, submission timing and existing customer records before deciding whether a referral is new.
Loan Approval
- Finziva helps with loan facilitation, borrower guidance and coordination.
- Loan approval, loan amount, interest rate, fees, charges, repayment terms and timelines are decided by the bank or financial institution.
- Finziva does not guarantee loan approval or final lending terms.
Reward Eligibility
- Rewards depend on the referred customer's requirement, duplicate checks, required documents, customer consent and current Partner Network rules.
- Some referred customers may become eligible for Referral Reward when required documents are provided.
- Some referred customers may require additional Finziva review before Referral Reward can be credited.
- Some referred customers may not qualify if the requirement, documents or repayment scope do not meet the applicable rules.
When Rewards May Not Be Payable
- Referral Reward may not be payable if the referred customer does not provide required documents, does not respond or withdraws the requirement.
- Referral Reward may also not be payable when available details do not show reasonable EMI capacity to proceed with the loan discussion.
- Loan Reward is not payable when no eligible loan is successfully disbursed through Finziva.
- Future rewards may not be payable if long-term reward conditions, the customer's recorded referring Partner or future-loan eligibility are not satisfied.
Warm Introduction And Document Support
- Enhanced rewards may apply only when the Partner provides a warm introduction to the referred customer.
- The Partner must also assist Finziva with document coordination or process support if Finziva asks for that help.
- Selecting warm-introduction availability does not automatically increase the final payable reward.
Referral Reward
- Referral Reward is a fixed reward for eligible referred customers after the applicable referral step is completed.
- Submitting only a name and mobile number does not automatically make the reward payable.
- Finziva may hold or decline the reward if the referral is duplicate, invalid, fraudulent or not eligible.
Loan Reward
- Loan Reward is calculated from the eligible loan amount successfully disbursed through Finziva.
- It is credited only after Finziva records the loan disbursement and applicable conditions are satisfied.
- For tranche-based disbursements, reward may be calculated separately for each eligible tranche.
Estimated Rewards
- Reward values shown in estimators or referral screens are indicative.
- Actual rewards depend on the eligible disbursed amount, referral eligibility, payout rules, tax deductions and current terms.
- Estimated rewards should not be treated as a final payable amount.
Reward Payment
- Eligible rewards are paid to the Partner's verified bank account.
- PAN and bank details must be submitted and verified before payout processing.
- Applicable TDS or other statutory deductions may be deducted before payment.
- Balances below the minimum payout threshold may be carried forward to a later payout cycle.
Future Loan Opportunities
- A Partner may be eligible for future rewards when the same referred customer completes another eligible loan through Finziva.
- Future rewards depend on long-term reward eligibility, the customer keeping the Partner recorded as the referring Partner and current Partner Network terms.
- A future reward is not guaranteed only because the customer was referred once.
Fraudulent Or Invalid Referrals
- Finziva may reject, hold or cancel rewards for fake, misleading, duplicate, non-consented or manipulated referrals.
- Examples include incorrect mobile numbers, repeated entries, customer impersonation or inflated loan details.
- Partner account access may be restricted if misuse is identified.
Customer Consent And Data Use
- Partners should share customer details only after receiving customer permission.
- Customer documents and personal details should be handled carefully and shared only through Finziva-approved channels.
- Customer information should not be used, published or forwarded for unrelated purposes.
Policy Updates
- Finziva reserves the right to update, pause or withdraw reward structures, eligibility rules, payout rules and Partner Network terms.
- Updated terms apply from the effective date communicated by Finziva.
This policy is meant to keep expectations clear. Finziva reserves the right to update, pause or withdraw Partner Network terms when business, operational or compliance requirements change.
Partner Network Questions
Yes. Anyone can create a Finziva Partner account and refer one genuine borrowing opportunity. The annual Active Referral requirement applies only to long-term rewards from previously referred customers.
Eligible reward balances are automatically transferred to your registered bank account on the 10th of each month when the payable balance is ₹2,000 or more. If the balance is below ₹2,000, it is carried forward to a later payout cycle. Applicable TDS is deducted before payment.
You may be eligible for another reward when the same customer successfully processes a future eligible loan through Finziva, provided you qualify for long-term rewards during that financial year and the customer keeps you recorded as their referring person.
An Active Referral is a new referred customer whose eligible loan is successfully processed through Finziva. Active Referrals count toward the annual long-term reward eligibility requirement.
Your Partner account remains active, and you may continue submitting new referrals and earning the applicable rewards from them. However, you will not qualify for long-term rewards from previously referred customers during a financial year in which you do not add at least 3 new Active Referrals.
Before your first payout, you must provide and verify the required payment and tax details, including your PAN, address proof and registered bank-account information.
No. You may refer one person occasionally or build a larger referral network.
Create Your Finziva Partner Account.
Verify your mobile number and email address, start referring genuine borrowing opportunities and receive eligible rewards through automatic monthly payout cycles.