FINSOVA_logo
Simple · Fast · Transparent

From Shop Owner
to Financial
Partner in 48hrs

Finsova's onboarding is engineered to be the simplest in the industry. No technical background needed, no investment required — just a smartphone, your Aadhaar, and the desire to grow.

48 Hours
From signup to live
₹0 Fee
Zero registration cost
🗺️
Your Saathi Journey
From start to your first transaction
1
Register & KYC
Fill form · Upload documents
✓ Done
2
Account Verification
Our team reviews within 24hrs
→ In Review
3
Training Session
Free video call or in-person
↑ Next
4
Go Live & Earn
All 11+ services activated
Upcoming
🎯
Avg. Partner Profile
Earns ₹32,000/month · 4.9★ rating
Choose Your Path

Who Are You Joining Finsova As?

Our process is tailored for three distinct partner types — each with their own onboarding flow and earning model.

For Shop Owners & Merchants

The Saathi Partner Model

Run a kirana store, pharmacy, CSC, or any local business? Become a Finsova Saathi and offer 11+ financial services from your existing shop counter. Zero investment. Maximum earnings.

💼
Who qualifies
Any shop owner with a smartphone, Aadhaar & PAN, and a current bank account
💰
Earning potential
₹15,000 – ₹80,000 additional monthly income
Time to live
48 hours from registration to first transaction
See Step-by-Step Process →
Saathi Eligibility Check
Complete these to get started
Have a smartphone (Android 6+)
Aadhaar card linked to mobile
PAN card available
Active bank account
📋
Shop registration (for AEPS)
You Qualify! 🎉
Start your free registration now
For Business Owners

The Distributor Model

Recruit and manage a network of Saathi partners under you. Earn overriding commissions on every transaction your network generates — scale your income by scaling your network.

10–50
Saathis in your network
1.5%
Override commission rate
₹2L+
Monthly earning potential
7 Days
Activation timeline
Apply as Distributor →
Your Distributor Network
👤
You (Distributor)
Override on all transactions below
🏪
Saathi 1
🏪
Saathi 2
🏪
+ More
This month's override income
₹1,84,500
For Large Organisations

Enterprise & CMS Integration

Large enterprises, NGOs, and government bodies can integrate Finsova's full suite via our white-label API or Cash Management System (CMS). Custom commission structures, dedicated account management, and SLA-backed uptime.

🔌 RESTful API with sandbox environment
🎨 White-label mobile and web apps
📊 Custom analytics dashboard
🤝 Dedicated account manager
📜 Custom SLA agreements
// Finsova Enterprise API v2.1
POST /api/v2/transaction
{
"type": "AEPS",
"amount": 2000,
"aadhaar": "XXXX-XXXX-1234",
"outlet_id": "FSV_RAJ_1842"
}
✓ 200 OK — Transaction processed in 1.2s
99.97%
Uptime SLA
<2s
Response time
256-bit
Encryption
Step-by-Step Guide

Your Complete Journey

Three phases, seven steps — each one designed to be as simple as possible for any shop owner in India.

📝
Phase 1
Register & Verify
🎓
Phase 2
Train & Setup
💰
Phase 3
Serve & Earn
Phase 1 · Registration
01

Fill the Registration Form

Download the Finsova Saathi App (Android / iOS) or visit our website. Fill in your basic details — name, shop address, mobile number — in under 5 minutes. No technical knowledge required.

Download Finsova Saathi app (under 8MB)
Enter your personal details and shop information
Set a 6-digit app PIN for security
Verify your mobile number via OTP
📱 5 Minutes 🆓 Free Hindi + English
01
New Registration
Full Name
Ramesh Kumar Verma
Mobile Number
+91 98XXXXXXXX
Shop Address
Main Market, Kota, Rajasthan
Business Type
Kirana / General Store
📄
Upload KYC Documents
Tap to take a photo or upload from gallery
🪪
Aadhaar Card (Front & Back)
✓ Done
🗂️
PAN Card
✓ Done
🏦
Bank Passbook / Cancelled Cheque
⏳ Pending
🏪
Shop Photo (Optional for AEPS)
○ Optional
Instant verification for Aadhaar via UIDAI API
02
Phase 1 · KYC
02

Submit Your KYC Documents

Upload clear photos of your Aadhaar card, PAN card, and bank passbook directly from your phone. Our system uses UIDAI integration for instant Aadhaar verification — no physical paperwork required.

Aadhaar card (front and back) — digitally verified via UIDAI
PAN card — scanned via OCR for accuracy
Bank passbook or cancelled cheque for settlement account
Shop photo (required only for AEPS services)
⚡ Instant Aadhaar Check 🔒 Data Encrypted No Physical Visit
Phase 1 · Review
03

Account Review & Approval

Our backend team reviews your documents and cross-verifies with regulatory databases within 24 hours. You receive a real-time update via SMS and WhatsApp at every stage — no chasing required.

Document authenticity verified with government databases
Your shop location mapped on the Finsova outlet network
WhatsApp & SMS updates at every review milestone
Approval SMS with your Saathi ID and app login credentials
24 Hrs
Max review time
97%
First-time approval
03
Review Status — Live Updates
Documents received
09:14 AM
Aadhaar verified via UIDAI
09:17 AM
PAN verified with NSDL
09:21 AM
Bank account validation
In progress...
Final approval & ID generation
Pending
👨‍🏫
Rahul Singh — Partner Success Manager
Training call in progress
LIVE
📋
Introduction to Saathi Dashboard
🏧
How to process AEPS withdrawals
💸
Money transfer (DMT) walkthrough
Live now
Bill payments & mobile recharge
Next
🛡️
Insurance & travel bookings
Upcoming
04
Phase 2 · Training
04

Free Training with Your Partner Manager

Once approved, you're assigned a dedicated Partner Success Manager who conducts a free training session via video call (or in-person in select cities). The session covers every service, the dashboard, and how to handle customer queries.

Full walkthrough of the Saathi app and dashboard
Live demo: AEPS, DMT, bill payments, insurance
How to handle failed transactions and refunds
Commission structure and daily settlement explained
Training in Hindi, English, or your regional language
🎓 100% Free 1–2 Hours 9 Languages
Phase 2 · Setup
05

Setup Your Outlet & Receive Branding Kit

Your shop is now officially a Finsova outlet. We ship a free branding kit to your address — standees, stickers, receipt rolls, and a QR code display. Your outlet goes live on the Finsova outlet-finder map.

Branded Finsova Saathi standee (A2 size) shipped free
QR code display card for customer payments
Finsova window stickers and receipt rolls (500 units)
Your outlet pinned on the public Finsova outlet map
For AEPS: Biometric device guidance and subsidised device option
📦 Free Shipping 🗺️ Map Listed 3–5 Day Delivery
05
Finsova Branding Kit — Shipped!
📦
Kit dispatched!
Expected delivery: 3–5 days
🪧Saathi standee (A2)
📱QR code display card
🧾500 receipt rolls
🏷️Window sticker set
📍Map listing activated
Today's Performance
Live
₹8,240
Revenue processed
₹2,847
Commission earned
🏧
AEPS · 23 txns
+₹414
💸
DMT · 11 txns
+₹1,650
Bills · 18 txns
+₹270
🛡️
Insurance · 2 txns
+₹513
06
Phase 3 · Earning
06

Serve Customers & Track Every Rupee

With your outlet live, start serving customers across all 11+ services. Every transaction is logged instantly in your dashboard — you see your commission grow in real time, with zero reconciliation effort on your part.

Process AEPS, DMT, bills, recharge, insurance from one app
Real-time commission visibility after each transaction
SMS receipt sent to customer automatically
Failed transaction auto-reversal within 2–4 hours
📊 Live Dashboard 11+ Services 98.7% Success Rate
Phase 3 · Settlement
07

Daily Commission Settlement to Your Bank

Every single day, by 9 AM, the previous day's commissions are automatically credited to your registered bank account. No forms to fill, no calls to make — completely automated and guaranteed on a T+1 basis.

T+1 settlement — today's earnings arrive tomorrow morning
SMS + app notification when settlement hits your account
Full transaction history downloadable as PDF
Monthly commission statements for tax filing
100%
Settlement guarantee
9 AM
Daily credit time
365
Days per year
07
Settlement Confirmed 🎉
Yesterday's Commission
₹2,847
Credited to HDFC A/C XXXX8421
AEPS Commission₹414
DMT Commission₹1,650
Bills + Recharge₹270
Insurance Bonus₹513
Total Settled ₹2,847
Service Flows

How Each Service Works

Once you're live, here's exactly what happens when a customer walks into your outlet for each service.

🏧
Most Used Service
AEPS Cash Withdrawal

Customer uses their Aadhaar number and fingerprint to withdraw cash directly from their bank account — no card needed.

1
Customer gives Aadhaar number
2
Fingerprint scanned on biometric device
3
Bank authenticates via NPCI AEPS
4
Cash dispensed from your float + you earn commission
💸
Highest Commission
Domestic Money Transfer (DMT)

Migrant workers send money home in seconds. Customer hands you cash, you enter recipient's details, money arrives in seconds.

1
Customer provides recipient bank details
2
Amount + commission charged upfront
3
IMPS / NEFT transfer initiated instantly
4
Recipient gets money + both get SMS
Highest Volume
Utility Bills (BBPS)

Electricity, water, gas, broadband, DTH — pay any bill through the unified BBPS network. Instant confirmation, printed receipt.

1
Select utility type and enter consumer ID
2
Amount fetched from BBPS automatically
3
Customer pays cash, you process payment
4
Instant confirmation + printed receipt
🛡️
Best Bonus Potential
Insurance Sales

Sell term life, health, motor, and accident insurance from LIC, HDFC Life, Star Health and more — one dashboard, all policies.

1
Customer selects plan type and coverage
2
Basic KYC collected via app
3
Premium collected and policy issued digitally
4
Policy PDF sent to customer on WhatsApp
📱
Most Frequent
Mobile Recharge & DTH

All operators, all plans — Jio, Airtel, Vi, BSNL, Tata Play, Dish TV. Instant recharge in 3 seconds, commission on every one.

1
Enter mobile/DTH number and select plan
2
Collect payment from customer
3
Confirm and process in app
4
Recharge live within 3 seconds
✈️
Highest Ticket Size
Travel Bookings (IRCTC)

Book train, bus, and air tickets via IRCTC and leading travel APIs. Earn per booking on some of India's highest-volume travel corridors.

1
Search route, date and availability
2
Select seat/berth with customer
3
Collect payment + service charge
4
e-Ticket generated and sent to customer
Under the Hood

What Happens Behind Every Transaction

In under 3 seconds, each Finsova transaction travels through a secure, multi-layer processing pipeline that connects your outlet to India's core banking infrastructure.

🏪
Saathi Outlet
Finsova app initiates
🌐
Finsova Gateway
TLS-encrypted API call
🔐
Fraud Engine
Real-time risk check
🏛️
NPCI / Bank API
RBI-regulated rails
Confirmation
SMS + receipt sent
🔒
256-bit TLS Encryption
Every data packet between your app and our servers is encrypted with bank-grade TLS 1.3 — same as online banking.
🤖
AI Fraud Detection
Our ML model analyses 140+ signals per transaction in real time, flagging suspicious activity before money moves.
🏛️
RBI / NPCI Rails
All fund movements happen on regulated NPCI infrastructure — the same rails used by India's biggest banks.
☁️
99.97% Uptime
Hosted on AWS India (Mumbai) with auto-failover to secondary data centres. Downtime costs you commission — we take that seriously.
Your First 48 Hours

From Zero to
Live in 48 Hours

Here is the exact timeline of what happens from the moment you tap "Register" to your first live transaction.

📱
Hour 0 — Day 1, 10 AM
You download & register
Fill the form in 5 minutes, upload documents. OTP verified. Registration submitted.
Hour 0–1
Instant Aadhaar check
Aadhaar verified via UIDAI in seconds. PAN checked with NSDL. Auto-SMS sent confirming receipt of application.
🔍
Hour 2–18 — Manual Review
Our team reviews your file
A compliance officer reviews documents, verifies bank details, and maps your outlet location. WhatsApp updates throughout.
Hour 18–24
Approval SMS + credentials sent
Your Saathi ID, dashboard login, and app activation code arrive via SMS and WhatsApp. You're in the system.
🎓
Hour 24–26 — Day 2
Training call with your manager
1–2 hour video call. Full walkthrough of the app, each service, and the dashboard. Questions answered in your language.
Hour 26–48
Outlet setup & all services activated
Your dashboard is fully enabled. All 11+ services active. Outlet listed on the public map. Branding kit dispatched.
🚀
💰
Hour 48 — You're Live!
First transaction processed! 🎉
Your first customer, your first commission. Tomorrow morning, it settles into your bank account at 9 AM.
Common Questions

Still Have Questions?

Everything you need to know about becoming a Finsova Saathi partner.

💸
Is there any registration fee or monthly charge?
Absolutely zero. Registration is free, there's no monthly subscription, and no hidden deductions from your commission. You only need a smartphone and documents.
How long does approval really take?
97% of applications are approved within 24 hours if documents are clear and valid. Complex cases can take up to 48 hours. You'll get WhatsApp updates throughout the process.
📶
What if my internet connection is slow?
The Finsova app is under 8MB and engineered for 2G/3G networks. Most transaction confirmations happen in under 5 seconds even on slow connections. Offline receipt generation is also available.
🏧
Do I need any special device for AEPS?
Yes — AEPS requires a biometric fingerprint scanner (Mantra or Morpho device), available for ₹800–₹2,000 online. Some partners receive subsidised devices through our onboarding program. Your manager guides you.
🔄
What happens if a transaction fails mid-way?
Failed transactions are detected automatically. Customer funds are reversed within 2–4 hours. For unresolved cases, raise a ticket in the app and our team resolves 95%+ within 24 hours — you're never left guessing.
💰
When exactly does my commission reach my bank?
By 9 AM every morning, the previous day's commissions are credited to your registered bank account — 365 days a year, including weekends and holidays. T+1, guaranteed.
Ready to start?

Join 50,000+ Saathis
Earning Every Day

Free registration · 48-hour setup · Daily settlements · 11+ services · Zero investment

🤝 Become a Saathi 📱 Download App