Finkompas

Simplifying Your Financial Life. No Fees. Low Rates. Great Benefits.

refer

You can make up to Rs 10,000/- for inviting friends & family to Finkompas.

As long as they use your unique referral link, you stand a chance to make some good money.

Refer a friend to one of these products:

Image accompanying Treva testimonial

Investment

Dream to make big in life. Starting early in life helps build wealth faster #powerofcompounding.
Get Great Options. Great Returns.

Image accompanying Kanba testimonial

Loans

Wish to buy your dream home or need money for a wedding, get money when you need it with our personal and home loans.
At low rates with great offers.

Image accompanying Circle testimonial

Insurance

Term Life and Health Insurance plans for the financial comfort of your family and you.
At low rates with great benefits.

How it works

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  1. 1
    Go to ‘Refer Your Friend’ section
  2. 2
    Share your and friend’s basic contact details
  3. 3
    Referee applies for the product via a unique link
  4. 4
    Friends application for any product-insurance/loans/investments, gets approved
  5. 5
    We communicate to you for bank account details
  6. 6
    You get your Referral Bonus

Refer Your Friend

Please type your number.
Arrow Down
Please select a Product.
Please type friend name.
Please provide friend email address.
Please provide friend phone number.

Official Rules

The following describes the terms of service which apply to participation in the referral programs currently offered by finkompas and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms for such Referral Program described in, Part A - General T&Cs as well as Part B – Referral Program(s), which apply to all Referral Programs.

Please note that any friend whom you would like to refer must use your specific product referral link to confirm their interest for the referred product they want. Note you have separate referral links for (1) Term Insurance and Health Insurance (2) Home Loan and Personal Loans and (3) Investment products. Only one referral bonus per new customer. You will not receive multiple referral bonuses for the same friend taking out multiple loans or products. Additional terms and conditions apply.

If you/they choose a product and continue your/their application, our banking /financial/insurance partner may request your full credit report from one or more credit report agencies, which may affect your credit score.

Terms & Condition

Referral maximum cap
Referral program bonus for each referral will be limited to maximum of 0.05 percent of approved annual insurance premium / disbursed loan amount / investment mutual fund annual premium amount for any product of partner banks/HFI/AMC/Others bought by referee through Finkompas website (subject to maximum product ticket size for any such product will be Rs 2 Cr). Only if the referred product is taken AND necessary payment is done by the referee to the partner banks/HFI/AMC/Others AND finkompas receives due commission at mutually agreed rates from the partner banks/HFI/AMC/Others, that the referrer will become eligible for being considered for the referral bonus at 0.05% of disbursed loan amount / insurance annual premium / investment annual premium, subject to a maximum of Rs 10,000/-. Also, for any referrer any such referral bonus shall be limited to a maximum of one time for any referred product during a lifetime. In no event will any person be entitled to receive more than Rs 10,000 in cumulative referral bonuses under these Referral Programs within any financial year. Referral Bonuses are considered income from other sources and it the sole liability of the referral programs bonus winner to report the same in their income tax returns.

Non-Solicitation Clause
If you participate in any of the Insurance Referral Program, Loan Referral Program or Investment Referral Program described above (collectively, the “Referral Program(s)”), you agree not to participate in any other solicitations for finkompas products. Other than as set forth herein, you agree not to compensate or accept any compensation from applicants whom you refer to finkompas through any of the corresponding Referral Programs described above. You further agree that your activities will be limited to referring potential customers as described above, so they may independently decide whether to apply. You will not collect information from eligible recipients under any Referral Program, assist or support with filling out an application, or discuss specific product terms.

No Spam
You must comply with all applicable laws and regulations, in soliciting referrals. Eligible referrers may not purchase internet search terms or publicly advertise finkompas products or name in any manner. Further, any distribution of a program link that could constitute unsolicited commercial email or “spam,” any content which impersonates or implies an affiliation with or endorsement by finkompas or any finkompas subsidiary, or any actions which otherwise violate any terms or conditions imposed by finkompas, are prohibited and will be grounds for immediate termination from a Referral Program. We will not honour referral payments for referrals which are generated using any of the mentioned means.

Independent Contractor
Your participation in a Referral Program is solely as an independent contractor. Neither you nor finkompas intend to establish an employment relationship, and you are not entitled to any benefits. While filing income tax returns (ITR) one needs to keep in mind that referral bonuses availed via UPI, e-wallets, credit/debit cards or other pay methods may be taxable under certain conditions and the sum of all such cashbacks in a financial year (for individuals) must not exceed Rs 50,000. As per Section 56(2) of the Income Tax Act, an amount exceeding Rs 50,000 for individual taxpayers would be subject to gift tax and declared under ‘income from other sources’ or ‘profits and gains from business or profession’. Pl note - any payments wrt referral bonus that are not claimed within 90 days of the date of communication via phone or email, by the referrer because either the bank account or required tax information have not been provided, are subject to forfeit.

Conflict
In the event any of the terms of these Terms of Service conflicts with any terms in a specific promotional campaign associated with a unique referral link, the terms of these Terms of Service shall govern.

Discontinuation of Previous Referral Programs
The Referral Programs described herein replace all earlier versions of such finkompas referral programs. Finkompas reserves the right to temporarily, or permanently modify or discontinue the Referral Programs at any time, for any reason, at our sole discretion and without notice to you.
Insurance Referral Program
The terms below and those set forth in Part A govern your participation in Finkompas Insurance Referral Program (the “Insurance Referral Program”) described below. The Insurance Referral Program is open to any consumer who registers on Finkompas website and who is a citizen of India and resides in India (the “Eligible Insurance Referrer(s)”). Eligible Insurance Referrers shall be limited to friends, colleagues, family members, and other people they (collectively, the “Eligible Insurance Recipient(s)”) who may be interested in applying for an Insurance product through Finkompas. Finkompas reserves the right to disqualify anyone from participating in the Insurance Referral Program at any time. The Eligible Insurance Referrers will not receive a Referral Bonus for referrals for any other Finkompas Insurance products. Anyone who violates these T&Cs is ineligible for payment of any referral bonus. To receive referral bonus under the Insurance Referral Program, the Eligible Insurance Recipient must use their Eligible Insurance Referrer’s unique referral code within 90 days after receipt of the Eligible Insurance Referrer’s unique referral code, and the Eligible Insurance Recipient must meet the T&Cs and conditions of the specific promotional campaign associated with the unique referral code that was used for the referral.

Loan Referral Program
The terms below and those set forth in Part A govern your participation in Finkompas Loan Referral Program (the “Loan Referral Program”) described below. The Loan Referral Program is open to any consumer who registers on Finkompas website and who is a citizen of India and resides in India (the “Eligible Loan Referrer(s)”). Eligible Loan Referrers shall be limited to friends, colleagues, family members, and other people they (collectively, the “Eligible Loan Recipient(s)”) who may be interested in applying for a Loan product through Finkompas. Finkompas reserves the right to disqualify anyone from participating in the Loan Referral Program at any time. The Eligible Loan Referrers will not receive a Referral Bonus for referrals for any other Finkompas loan products. Anyone who violates these T&Cs is ineligible for payment of any referral bonus. To receive referral bonus under the Loan Referral Program, the Eligible Loan Recipient must use their Eligible Loan Referrer’s unique referral code within 90 days after receipt of the Eligible Loan Referrer’s unique referral code, and the Eligible Loan Recipient must meet the T&Cs and conditions of the specific promotional campaign associated with the unique referral code that was used for the referral.

Investment Referral Program
The terms below and those set forth in Part A govern your participation in Finkompas Investment Referral Program (the “Investment Referral Program”) described below. The Investment Referral Program is open to any consumer who registers on Finkompas website and who is a citizen of India and resides in India (the “Eligible Investment Referrer(s)”). Eligible Investment Referrers shall be limited to friends, colleagues, family members, and other people they (collectively, the “Eligible Investment Recipient(s)”) who may be interested in applying for an Investment product through Finkompas. Finkompas reserves the right to disqualify anyone from participating in the Investment Referral Program at any time. The Eligible Investment Referrers will not receive a Referral Bonus for referrals for any other Finkompas Investment products. Anyone who violates these T&Cs is ineligible for payment of any referral bonus. To receive referral bonus under the Investment Referral Program, the Eligible Investment Recipient must use their Eligible Investment Referrer’s unique referral code within 90 days after receipt of the Eligible Investment Referrer’s unique referral code, and the Eligible Investment Recipient must meet the T&Cs and conditions of the specific promotional campaign associated with the unique referral code that was used for the referral.
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