Top 10 Fintech Platforms & DSA Companies Offering Partner Programs in India in 2026

A Quick Summary

A DSA (Direct Selling Agent) connects loan applicants with banks, NBFCs, or fintech lenders and earns a commission. In India, you can become a DSA by registering with a DSA company or a multi-lender partner platform such as InvestKraft Partner, Ruloans, Werize, Paisabazaar, BankSathi, Andromeda Loans, Lendingkart, FlexiLoans, MyMudra, Urban Money, and several others.

• What is a DSA: An individual or business that connects loan applicants with lenders and earns a commission on disbursal.
• How to start: Choose a platform, register, complete KYC, sign the agreement, and get your DSA code.
• RBI rule: RBI doesn't directly regulate DSAs, but banks and NBFCs are responsible for their conduct under the Digital Lending Directions, 2025.

A few decades ago, becoming a loan agent meant visiting multiple bank branches, handling heavy paperwork, and working with only a few lenders. 

But what makes being a loan agent a potentially high-earning career opportunity today? 

It is the rise of DSA companies and fintech platforms that offer individuals and entities access to varying loan options for their customer network and earn great commissions in return. If you are already a Direct Selling Agent, or are thinking of becoming one, you have many platforms to choose from. 

This guide covers the top 10 DSA companies in India and leading DSA partner platforms. It also explains how RBI's digital lending rules apply to DSAs, what to look for in a DSA partner app, what a DSA code is, how commission and payouts work, how bank, fintech, and corporate DSAs differ, and how to verify that a platform is legitimate. Before we get to the list, let’s understand some basics.

Who is a DSA Partner?

A DSA partner (Direct Selling Agent) is an individual or entity that earns commissions by connecting loan applicants with banks, NBFCs, or fintech lenders. In simple terms, a loan DSA partner acts as a financial matchmaker between the customer and the lending companies.

Becoming a DSA partner in India is quite simple. Most Direct Selling Agent partner platforms require only basic eligibility: minimum age of 18 (may vary by particular DSA company), Indian residency, and standard KYC documents such as PAN, Aadhaar, and address proof, and any preferred educational qualifications (10th or 12th pass) by some lenders.

Individual DSA vs. Corporate DSA

• Individual DSA: An individual DSA is a single person who registers directly with a lender or a multi-lender financial distribution platform and earns commission by working with their own personal network of leads.
• Corporate DSA: A Corporate DSA in India is a business entity like a proprietorship, partnership, LLP, or private limited company that registers itself as the corporate DSA partner and earns commission by subcontracting multiple agents to generate leads under one platform. 

Note: Some people often use the terms "DSA" and "loan agent" interchangeably, but they aren't quite the same. A DSA works as an independent intermediary who can connect with multiple lenders and earns purely through commission on disbursed loans, whereas a loan agent generally works with a single or limited number of lenders, often on a fixed salary with incentives and an execution-focused role.

Benefits of becoming a DSA Partner 

If you're wondering whether becoming a DSA is worth your time, here's what makes this one of the more practical ways to enter the financial services industry in 2026:

• Low or No Financial Investment: Most of the platforms let you register for a DSA Partner program for free. This makes it one of the best perks of entering into a career opportunity that has high income potential. 
• Flexible schedule: There's no fixed shift or office schedule that you have to strictly follow. Whether you treat this as a weekend income source or a full-time DSA business, the schedule can be accommodated flexibly. 
• Multiple products, one dashboard. Instead of hunting for separate tie-ups with different lenders, you can opt for a DSA partner program that offers access to personal loans, business loans, home loans, and more under a single dashboard. 
• Fully digital workflow: From lead capture and KYC uploads to application tracking, everything can be done through a single app or website. 
• Unlimited earning potential. There's no fixed salary. Your DSA earnings depend entirely on how many leads you convert and which products you focus on. 
• Simple eligibility. Basic KYC, a minimum age of 18, and a basic 10th or 12th pass qualification are generally required.

Top 10 DSA Companies & Partner Platforms offering DSA Partnerships in India

With so many platforms competing today, picking where to register for a DSA program can feel overwhelming. To make that decision easier, we've put together a list of some of the top loan DSA companies in India and fintech platforms that you can explore to start your DSA journey. 

Here's a quick overview of these platforms before we explore each one in detail:

Now, let’s explore these platforms in more detail.

1. InvestKraft Partner 

InvestKraft Partner Program is one of India’s leading partner platforms that offers access to 30+ financial services to sell, including personal loans, business loans, loan against property, instant loans, etc. Besides offering a centralised dashboard to track and manage your leads, it offers several other unique assistance to you as a DSA partner, such as:

• Free business website & personalised QR code
• Ready-to-use promotional & marketing resources
• Dedicated IK Partner App with relationship manager support
• Competitive commissions with timely payouts

You can complete your DSA registration online with InvestKraft within a few minutes. Over time, many people have used the InvestKraft Partner App or its DSA platform to build consistent earning opportunities and expand their financial services network. 

Read: Real Success Stories: How Ordinary People Earn up to 1 Lakh/Month with InvestKraft

2. Ruloans 

Ruloans has been one of India's most trusted loan distribution and DSA companies for over a decade. With a lender base of 250+ banks and NBFCs, it gives access to a wide variety of loan products and a strong approval network for different customer profiles. You can become a DSA by registering with them on the dedicated Ruloans DSA partner portal or through the Ruconnect App. Ruloans offers the following unique propositions: 

The Ruloans offer the following unique prepositions:

• 275+ Financial Institution Partners
• Personal Loans, Home Loans, Business Loans
• Dedicated partner portal and mobile app 
• Serving clients in 4000+ cities 

3. Werize 

WeRize DSA partnerships are offered across a wide range of financial products like salaried personal loans, business loans, and loans against property. It has a clean digital workflow that makes the DSA registration online procedure a seamless experience. WeRize gives its partners complete ownership of their customer networks, as the platform does not sell directly to customers. It also operates a WeRize Partner App for its partners and loan DSA agents.

Werize offers:

• Personalised website and QR code 
• App in 5 different languages 
• Weekly payouts
• Industry-leading commissions 

4. Paisabazaar 

Paisabazaar is one of the most recognised digital platforms for financial products and solutions. It offers DSA partner opportunities through its Paisabazaar Affiliate Program or PB Connect (Paisabazaar DSA partner app) on Google Play. It gives Direct selling agents the advantage of working with a brand millions of borrowers already know and trust. 

It gives:

• Access to a large, high-intent borrower base
• DSAs’ access to Home Loans and  Loan against Property 
• Strong brand credibility 
• 30+ Banks & NBFCs
   

5. BankSathi 

BankSathi is also an app-based platform with a 4 million customer base and 60+ total products. You can register as a partner through the website or through the BankSathi mobile application to sell financial products like Credit cards, personal loans, business loans, Vehicle loans, Mutual funds, etc. BankSathi, as a fintech DSA platform, offers:

• 4 Million+ customer base served to date
• 70+ total financial products offered
• 1.5 Mn+ advisor network across India
• 98% pin-code coverage nationwide

6. Andromeda Loans 

Andromeda Loans is one of the largest loan distributors in India, with a presence in over 1500 cities and 25,000+ existing partners. You can start the registration to become an Andromeda DSA agent directly on their official website or their dedicated app named OneAndro, which reportedly has 20,000+ monthly active users. Built exclusively for B2B partners such as loan agents, DSA partners, ex-bankers, wealth advisors, insurance agents, and chartered accountants, it helps simplify the complexities of a loan distribution career or business. 

As a DSA company, it offers:

• Seamless access to PAN India lenders
• On-the-job training modules for the partners 
• Tie-ups with 180+ financial institutions 

7. Lendingkart 

LendingKart is an RBI-registered non-banking financial company focused on small business loans and working capital finance, ideal for partners with an MSME or self-employed customer base.  For DSA / Channel Partners, LendingKart has a dedicated XLR8 Partner Dashboard on its website where the DSA loan agents can track and manage their leads. 

The LendingKart DSA program offers:

• Relationship managers across 4000+ cities 
• End-to-end application tracking via ready-to-use APIs 
• Monitor your portfolio on a personalised dashboard
  
   

8. FlexiLoans 

FlexiLoans is a digital lending platform focused on fast, collateral-free MSME and business loans. Its partner program welcomes business loan DSAs and financial advisors, offering a fully paperless journey from onboarding to disbursal with zero registration fees. You can register by filling out a form on their website, and the team gets back to you within 24 hours to guide you through KYC and onboarding. 

FlexiLoans Partner Program offers:

• Collateral-free business loans from ₹1 Lakh to ₹50 Lakhs
• 100% digital journey with approvals within 24 hours
• PAN-India coverage across 19,000+ PIN codes
• Dedicated relationship manager support
• Monthly payouts with attractive commissions
   

9. My  Mudra 

MyMudra is a fintech platform that gives a wide range of professionals, from LIC agents and CAs to mutual fund distributors and first-time DSA partners, an opportunity to join its loan distribution network. The registration for becoming a My Mudra partner is free and can be completed shortly through their registration portal available on the website. With zero upfront investment required, it is accessible for anyone looking to start a loan DSA business without financial risk.

My Mudra Partner platform offers:

• Access to multiple loan products including home loan, personal loan, business loan, LAP, credit cards & more.
• RBI-aligned lending partners 
• Access to individuals, proprietorships, and private limited companies 
• Dedicated partner portal for lead and application management
  
   

10. Urban Money 

Urban Money is a growing fintech platform known for its expertise in home loans and mortgage solutions. The platform has coverage across 150+ cities, 581+ branches, and a strong base of 5.8 lakh customers. It offers loan DSA partner opportunities across multiple financial products with a simplified digital process. You can start the journey by visiting their official “Become a Partner” page and registering to get the link to their app, named the Urban Money Partner App.

The Urban Money Partner Program offers:

• Opportunity to view offers, earnings, and case updates in real time 
• Privileged access to your exclusive loan offers running across various banks.  
• Fabulous loyalty programs to improve your revenues 
• Dedicated support for partners

How to Choose the Right DSA Partner Platform in India?

Since there are several such platforms available in India, it's important to understand how you should choose the best DSA partner before you move further in the DSA partner registration process:  

• Lender network: Always check how many banks, NBFCs, and financial institutions the platform is tied up with. A wider lender network means more approval options for your customers. 
• Product categories: Get complete information about whether the platform offers a single product (like personal loans) or a full range including business loans, home loans, credit cards, etc. A broader range lets you serve different customer needs.
• Commission structure: Develop a complete understanding of whether the commission is calculated on a flat percentage, slab-based, or product-specific.
• Payout timeline: Some platforms pay weekly, others monthly, and a few offer instant payouts on approval. Pick one that matches your cash flow needs.
• Lead management: Look for platforms with a proper CRM or dashboard that lets you track every lead's stage, follow up on time, and avoid losing potential business.
• Customer support: Fast, responsive support matters when a case gets stuck, or a customer has urgent questions. Check if support is available via chat, call, or a dedicated helpdesk.
• Registration requirements: Compare how simple or demanding the onboarding process is, including documents needed, KYC steps, and how long approval typically takes.
• Geographic coverage: If you're targeting customers outside metro cities, check the platform's PIN code or city coverage to make sure it reaches your target market.
• Compliance: Confirm the platform and its lending partners follow RBI and IRDAI guidelines, including the RBI's Digital Lending Directions, so you're not carrying any risk of regulatory non-compliance. 

This is how the top DSA in India evaluate the best options before starting their DSA business. A balance of all these factors is crucial to help you progress through all the complexities of this dynamic industry. 

RBI Guidelines & Compliance for DSA Partners

The Reserve Bank of India regulates the lenders who work with DSAs, and those lenders must make sure their DSAs and other partners follow the rules. Lenders use the DSA agreement and code of conduct for this purpose. 

Here are the key facts regarding RBI guidelines for DSA: 

• RBI (Digital Lending) Directions, 2025: The Digital Lending Guidelines regulate banks, NBFCs, and housing finance companies, which in turn regulate the agents (called DSAs or Lending Service Providers). The guidelines regarding DSA compliance are aimed at protecting borrowers from hidden charges and data misuse. In practice, a DSA cannot charge borrowers any fees or handle loan money as part of the loan disbursal. 
• RBI Managing Risks in Outsourcing Directions, 2025: As per these directions, banks and NBFCs are required to do due diligence on their DSA partners, sign clear agreements, monitor them, and stay accountable for the work. 
• Fair Practices Code: Lenders must treat borrowers fairly and transparently, and this extends to how their agents behave and follow loan DSA rules.

DSA Partner App: Features to Look For

Today, most DSA companies and partner platforms operate digitally, where you can manage your leads, track applications, and follow your earnings, so it's worth choosing carefully. So, whenever you join a lender as a

DSA, look for these features in the DSA app:

• Lead registration: A proper structure to add customer details in a few taps, with a simple form for entering leads quickly.
• KYC and document upload: Simplified way to upload PAN, Aadhaar, income proofs, and other documents directly from your phone.
• Application tracking: See the exact flow of the customer’s application, from submission to sanction and disbursal.
• Lead status: Check clear labelling for DSA lead management (such as new, in process, approved, rejected, or disbursed), so you know which leads need follow-up.
• Commission tracking: See whether commission tracking is available or not, so you know what you are earning.
• Notifications: Real-time alerts for status changes, pending documents, and payouts, so you can act quickly.
• Analytics: Reports on leads, conversions, and earnings, so you can see which products and customer segments work best.
• Marketing shareables: Ready-made posters, videos, and messages you can share on WhatsApp and social media, with your own branding. Today, DSAs can also use several AI tools and modern digital marketing strategies to strengthen their customer base. 
• RM communication: Easy access to a relationship manager through the app, so any stuck cases and customer queries get resolved faster.

The InvestKraft Partner App is built around this kind of workflow, with a centralised dashboard to track leads, ready-to-use marketing resources, and relationship manager support. You can explore it on the InvestKraft Partner platform.

How to register as a DSA partner?

There is a step-by-step process to register as a DSA Partner. The registration process might differ slightly depending on the platform, but a general process for DSA registration online is as follows:

Step 1: Choose a lender or platform

The first step is to choose a lender or platform. To work as a DSA partner, you can choose a bank, a non-banking financial company (NBFC), or a fintech platform (such as InvestKraft, Ruloans, Paisabazaar, etc.).

Step 2: Fill in the basic details

Next, you will have to visit the registration page of your chosen platform (e.g., InvestKraft Partner) and fill out the form available with your basic details like name, mobile number, city, etc.  

Step 3: Complete KYC Verification 

This step is very important to complete your DSA partner registration. Once you have submitted the form with your basic details, the next step is to complete KYC verification. This generally requires uploading government-recognised identification and address proofs. The important documents required for DSA registration are as follows:

• Identity Proof such as PAN Card, Aadhaar Card, Voter ID, or Passport 
• Address Proof such as a utility bill, Passport, or Driving License 
• Bank statement of the last 3 months or ITR, if any 
• Any business documents, if applicable 

Step 4: Sign the Agreement 

Once your documents are verified, your partner platform sends you a DSA agreement. You shall read the contract carefully, including all terms and conditions and the agreement clauses. Review the contract, sign it digitally, receive your unique DSA agent code, and complete your loan DSA partner registration successfully.   

Step 5: Access your Dashboard 

Once you complete the onboarding process, it might take a few hours or days to get your dashboard activated. Use your dashboard to generate, track, and manage your leads efficiently.

DSA Code Meaning, Registration & Importance

A DSA code is a unique ID you receive when you are approved as a Direct Selling Agent. It identifies you in the lender's or platform's system. Every lead and application you submit is tagged with this code so the lender knows who sourced that application. The bank, NBFC, or fintech platform with whom you complete your DSA agent registration issues the DSA code.

How to get a DSA code?

• Choose a lender or platform and register with your basic details.
• Complete KYC (identity proof, address proof, bank details, and business documents if applicable).
• Review and digitally sign the DSA agreement.
• Receive your unique code and dashboard access.

Why is getting a DSA code important?

• Commission Tracking: Payouts are linked to your code, so an application submitted without it, or under someone else's code, may not be credited to you.
• Proof of authorisation: It shows you are an approved partner of the lender, which builds customer trust.
• Tracking: It lets you monitor your leads, disbursals, and earnings in one place.
• Accountability: Lenders are responsible for their DSAs' conduct under RBI rules, so the code lets them trace and review the applications you source.
   

DSA Commission, Payout & Income

There is no single commission rate for DSAs. What you earn depends on the lender, the product, and the terms of your partner agreement. However, a general estimated range of loan DSA commission for informative purposes is as follows:

• Personal loans: Commission typically ranges from 0.5% to 2% of the disbursed loan amount
• Home loans: Usually 0.15% to 0.50%
• Business loans: Around 1% to 2.5%, depending on the lender and loan size
• Credit cards: A fixed payout per approved card

Along with this, it is also important to understand how certain factors affect DSA earnings. 

• Loan type: Secured loans with larger tickets often pay a smaller percentage, while unsecured products may pay more, but this varies by lender.
• Lender: Each bank, NBFC, or platform sets its own payout structure, and the same product can pay differently across lenders.
• Loan amount: Commission is commonly a percentage of the disbursed amount, so larger loans generally mean a larger payout. 
• Disbursal: Payout is usually linked to the loan actually being disbursed, not just to the application being submitted.
• Slab or volume: Some programs increase the rate once you cross a monthly volume target, so higher volumes can earn better rates.
• Partner agreement: Your agreement sets out the payout structure, eligibility conditions, and any deductions or terms. Read it carefully before you sign.
• Payout terms: Timelines differ, with some platforms paying weekly, some monthly, and others on a different cycle. 
• TDS, GST, and tax: Commission is taxable income. Lenders may deduct TDS before paying you, and GST may apply depending on your registration status and turnover. 

Note: A loan being sanctioned means the lender has approved it and issued an offer. Disbursal means the money has actually been released to the borrower. These are not the same. DSA commission payout depends on the disbursal of the loan by the lender.

Bank DSA vs Fintech DSA vs Corporate DSA

These three terms are often compared as if they are the same, but they describe different things. Bank DSAs are the ones who are associated with banks that offer DSA partnership opportunities, and Fintech DSAs are the agents associated with fintech or multi-lender aggregator platforms. Corporate DSA describes what kind of entity you are, meaning a registered business instead of an individual. 

How to Verify a Legitimate DSA Partner Platform?

There are a number of DSA company and digital loan partner platforms available in India that you can join as a DSA. But before you choose your lender platform, here is what to look for:

• Actual lender or regulated entity: Confirm who is actually lending. The loan should come from an RBI-regulated bank, NBFC, or housing finance company, and the platform should disclose it to you. 
• Official partner agreement: A written agreement shall be given to you, including your role, responsibilities, payout terms, and termination conditions.
• KYC requirements: Proper onboarding shall be in place, involving standard KYC such as PAN, Aadhaar, address proof, and bank details. 
• Privacy and data permissions: The platform should explain what data it collects, why, and how it is used, and should ask for your consent. 
• Customer grievance mechanism: Look for clearly listed grievance officer details, a support contact, and a defined complaint process.
• Loan documentation: Customers should receive proper documents such as a sanction letter and terms and conditions.
• Commission terms: Payout structure, timelines, deductions, and conditions should be stated in writing. 
• Official app and website: Download apps only from official stores and the platform's own website. Check that the website is secure and that company details and contact information are clearly listed.

Summary 

There's no single 'best' DSA partner platform in India. Every platform has its own workflow and structure depending on its background, customer base, and goals. If you work with individuals or small business owners, Lendingkart or InvestKraft Partner might be the best option. If you focus on home buyers, Andromeda or Ruloans may serve you better.

To become a top DSA in India, what matters most is picking one platform, learning it well, building your growth, and then expanding with more products or platforms. Before you choose a DSA partner platform, whether it's a DSA company or fintech platform, always make sure that you check its registration process, procedure for DSA code, compliance with RBI guidelines, and all other key details required.  

Disclaimer: The information provided in the blog is for informational and educational purposes only. While every effort has been made to provide accurate and updated information, the details may vary as per different sources. You are advised to consult qualified professionals before making any decision.

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