Who we are?

Indiabulls is one of the leading financial services group in the country with strong presence in Real Estate, Housing,
Securities, Mutual Funds and Consumer Finance businesses

ICFL Indiabulls Consumer Finance Ltd ( ICFL) , a Non- Banking Finance Company (NBFC), is a wholly owned subsidiary of
Indiabulls Ventures Limited (IVL)

On the back of digital transformation in the banking and financial services sector, ICFL has found a sweet spot in the
lending business backed by a future ready digital offering for today’s consumer – Indiabulls Dhani

What is Dhani ?
Dhani is a mobile based loan fulfillment application, has been developed to cater to the aspirational needs of the every
Indian by offering Personal Loans

Dhani allows you take personal loan, instantly

Loan Amount : from Rs. 1,000 to 15 Lakhs

Rate of Interest 11.99 % onwards based on Amount, Tenure and Profile

Processing Fee : 2% onwards

Loan Amount Repayment Mode Bank Account Required Foreclosure

(Rs.) Tenure Charges

1,000 to 3,000 3 Months Fixed STP HDFC, AXIS, Kotak, ICICI,SBI ; Net Banking is NIL
Must

3,000 to 10,000 6 Months Fixed SIP HDFC, AXIS, Kotak, ICICI, SBI ; Net Banking is
Must

10,000 to 20,000 6/12 Months STP + Non Any Bank

STP

20,000 to 50,000 12/24 Months STP + Non Any Bank 5% <12M, 3%

STP
after 12M
50,000 to 15 12 to 24 Months STP + Non Any Bank
Lakhs STP

So, how do we increase our business through Partners?

 

By reaching out to retailers

Explain the benefits of the Indiabulls Partner & Dhani app

Enroll them as a Indiabulls Partner

Educate them to promote Dhani to their customers looking for loan (Personal, 2 Wheeler or Car)

Indicative List of Retailers

Sr No Shop Category Sr No Shop Category

1 Apparel 21 Juice Corner

 2 Automobile 23 Jewellers

3 Bags 23 Mobile Shop

4 Book Seller 24 Mobile Recharge

5 Chemist 25 Money Changer

6 Clinic 26 Music

7 Couriers 27 Opticals

8 Cyber Café 28 Pet Store

9 Dairy 29 Plywood Store

10 Departmental Stores 30 Printing

11 Dry Cleaner 31 Property Dealer

12 Electronics 32 Salon

13 Footwear 33 Sports

14 General store 34 Stationery

15 Gifts Shop 35 Studio

16 Glasses 36 Sweets Shop

17 Hardware 37 Tailor

18 Home Appliances 38 Watches

19 Insurance 39 Bakeries

20 Interiors 40 Gyms

category is not limited to the above list

Whom do we approach?

How much a Partner can earn?

Loan Amount (Rs.) Incentive (Rs.)

1,000 – 25,000 200

25,001 - 50,000 300

50,001 – 1,00,000 500

1,00,001 - 2,00,000 1,000

2,00,001 and above 2,000

What’s your role?

Sales Pitch in English

Hello….

My name is   
I am from Indiabulls ... I have come here to make you an Indiabulls partner, By Becoming an  Indiabulls Partner, you can earn
extra monthly income of Rs 30000 +.

Indiabulls has launched an app called Dhani, through which any one can take loan starting  from Rs 1000 to 15 lacs.

By becoming an Indiabulls Partner, you can help your customers, Relatives, friends or anyone  take a personal loan, and you
yourself can earn extra income on that.

There are many advantages of becoming an Indiabulls Partner.

1.By just assisting 1 person per day, earn Rs 30000 + monthly

2.You can increase your current business also by helping your customers in availing the loan.
3.Your commission will be transferred to your account instantly through the app.
4.You can start this with zero investment and generate leads from anywhere.

The entire process is very easy. You can use it anytime and anywhere.

Indiabulls Partner Mobile App

Simple Enrolment Process

Download Indiabulls Partner app from Google Play Store

1 Enter Prospect Partner’s Mobile No and OTP

2 Input Your Unique Code on registration form

3 Input Personal Details including PAN

4 Input Office/Shop details

5 Input Bank Details to receive commission (Savings or Current)

6 E- Sign the Agreement with OTP sent on Mobile

7 Receive DSA Code on Mobile

Marketing Support

Dhani – Phone se Loan

Journey of your Customer on Dhani Application

Employee Benefits

Key Information
Opportunity to work on direct payroll of Indiabulls (IDSL)

This is a Permanent Job with defined growth path

Confirmation letter post completion of probation period of 6 month

Company will provide Salary Account with HDFC / Axis Bank / Yes Bank for Salary credit

Salary shall be credited in the employee’s salary a/c

Employee Benefits
Leaves: 7 Casual Leaves, 7 Sick leaves and 18 Personal Leaves for the calendar year
 ESIC Benefit as per the guidelines for the entire family

Participation in Group Personal Accident Scheme

Participation in Group Mediclaim Insurance

Jio SIM Card with pre-loaded data to use Vymo app and free calling

Sales Executive to be promoted as Sales Officer after completion of goal

Further growth path with Salary appraisal and enhanced role

FOS Incentive Policy

FOS Incentive Policy-Dec-18
Universal Definition:
Partner Activation: When Partner completes 1st Disbursal.

FOS JOINED Target 1 Target 2

Partners Partners
ONBORDING ACTIVATION
per month per month

Till last month end 40 16

In incentive cycle month 20 8

Incentive on both target achievement

RS 350 per partner activation.

Trail Incentive: RS. 100 per disbursal from second disbursal onwards; capped to T+3 Months of Partner Activations.
Additional Bonus : RS.1000 on achieving >= 25 Partners Activation in current month
( subject to over and above previous month shortfall )
Shortfall in Partner Activation target will carry forward to subsequent month.
Monthly Target for FOS = Activate 16 Partners + Shortfall of previous Month target, if any.
Minimum Activation Target of 10 Partners per month is Mandatory

Example of Incentive Calculation

  Example 1 Example 2 Example 3 Example 4 Example 5

Partner On boarded Target 40 30 40 40 40

40

Partner Activated 15 16 18 17 26
Target 16

Loan Disbursal from 20 50 18 25 30

current month
activated Partners

Loan Disbursal from 30 45 50 60 70

Previous month
activated Partners

Eligibility Not Eligible Not Eligible Eligible Eligible Eligible

for Incentive

Reason Target 2 Target 1 Both Target Both Target Both Target achieved
not not achieved achieved +
achieved achieved Addition Bonus od RS
1000
 Incentive Pay-out 0 0 RS 11300=18*350 + RS 12750= 17*350 RS 17500 = 26*350 +
50*100 + 8*100 4*100
+60*100 +1000
+70*100

Example for previous month Shortfall calculation

  Example 1 Example 2

Partner On boarded Target 40 40 40

Partner Activation Target 20 - 18 21

16+4 (4 previous month short fall)

Loan Disbursal from current 18 50

month activated Partners

Loan Disbursal from Previous 30 60

month activated Partners

Eligibility for Incentive Dec month + Oct trail Eligible for Oct & Dec both month

Reason Previous month Shortfall not covered Previous month Shortfall covered

Incentive Pay-out RS 9300 = (18*350) + (30*100) RS 20450 ( Dec-18 =( 21*350) +

(29*100) +
Sep'18 = (12*350) + (60*100)

Training for Sales Executives

Day 1 Training Program: In-house Training
Day 1 In-house Training to Sales Executive by ASMs/RSHs after joining process
Contents to be shared to Sales Executives

Training pdf for Sales Executives

FAQs
AV- Sales Pitch
Vymo Sales Assistant mobile App
Stickers, Dangler and Handbill for Partners

Contents to be shared with Partners by Sales Executives (Eng, Hindi and Reg Languages)

AV- Earn Extra Income With Indiabulls Partner App

AV- on Lead Generation and Tracking for Partners
3 AV- Dhani Advertisement
Partner Success Story
Whatsapp Creative for Partner to promote business

Day 2 Training Program: On-the-Job Training

Demonstration Day @ Buddy Training Program
Sr. Sales Officer will act as a Mentor for 2 Sales Executives in the field for

Knowledge sharing and

Demonstrating minimum 5 end to end cycle for Partner onboarding
Demonstrating minimum 5 end to end cycle for Applying for Loan
Q&A with new Sales Executives for their queries while field job

Self Assessment by new Sales Executive at the end of the day 2

Day 3 Training Program: On-the-Job Training

Observation Day@ Buddy Training Program
 Sr. Sales Officer will go with the same 2 Sales Officer in the field to

Observe and
Handhold them for min 3 end to end cycle for Partner Onboarding each.
Assist with minimum 3 end to end cycle for Applying for Loan each
Q&A with new Sales Executives for their queries while field job

Evaluation on Training by Sr. Sales Officer at the end of the day 3.

Open - Inet

Direct Link to Open - Inet

You can directly open the I – Net Link on your mobile browser.
Enter the link - https://openinet.indiabulls.com/login.aspx?ReturnUrl=%2f (https://openinet.indiabulls.com/login.aspx?
ReturnUrl=%2f)
Please note that the default password for logging in on Open Inet platform for Sales Executives and ASM’s is as below

Log in credential – if the email address is abc.xyz@indiabulls.com (mailto:abc.xyz@indiabulls.com), then the login
credential is abc.xyz

Default Password: For New/ First time User:

Option 1- PAN CARD@6Digit sap code (For example: ALCPC8619T@218958)

Option 2 -In case PAN CARD, is not available but SAP ID is available. Password will be the Month@218958. If the new
joiners date of joining is from Nov then it would be November@218958 , similarly if it is Dec then it would be
December@218958.

Procedure To Login In Open - INET

Home Page In – (Open INET)

Attendance – (Open INET)

Attendance Page In – (Open INET)

Pay Slip – (Open INET)

Pay Slip Page In – (Open INET)

All the best!!