Turn your network into a loan business
Become a PCC partner and refer Loan Against Property, Home, Personal and Business Loans from India’s leading banks. Track every application online and earn up to ₹10,000 on each disbursed loan.*
- 5
- lending partners
- 2 min
- to refer a customer
- ₹10,000
- max. per disbursal*
Application status
- Submitted to the bank
- Approved
- Disbursed
*Commission is variable by lender and product; earnings depend on the loans the lenders disburse and are not guaranteed.
Refer to India’s trusted lenders
SBI Bank
HDFC Bank
ICICI Bank- ABCAditya Birla Capital (ABFL)
SG Finserve (SGFL)
How it works
From referral to commission in four steps
You find the customer. We handle the bank, the paperwork and the follow-up. You see every step online.
- 1
Join free
Sign up with your mobile number in a minute. No fees, no targets.
- 2
Refer a customer
Enter the customer’s basic details and pick the bank that fits. It takes about 2 minutes.
- 3
Track the loan
Follow the application from submission to approval and disbursal on your dashboard.
- 4
Get paid
Your commission lands in your wallet when the loan is disbursed. Withdraw to your bank anytime.
What you can refer
Loans your customers actually need
4 products, five lenders, rates as published by the banks.
Loan Against Property (LAP)
Funds against a house, shop or office you own
Interest from
7.75%*
Tenure up to
10 years
Lenders
5
ABC
Home Loan
Buy, build or transfer a home loan
Interest from
7.50%*
Tenure up to
30 years
Lenders
4
ABC
Personal Loan
Collateral-free funds for any personal need
Interest from
9.99%*
Tenure up to
7 years
Lenders
4
ABC
Business Loan
Term loans and working capital for businesses
Interest from
12.75%*
Tenure up to
7 years
Lenders
5
ABCEarnings
Earn up to ₹10,000 on every disbursed loan
Your commission is a share of the amount the bank disburses, paid into your PCC wallet automatically. Withdraw to your own bank account whenever you like.
- Credited automatically when the loan is disbursed
- Withdraw anytime from ₹100
- 2% TDS deducted and deposited against your PAN, as the law requires
- Plus ₹1,000 when a partner you invite gets their first loan disbursed
| Lender | Product | Commission |
|---|---|---|
| SBI Bank | LAP | Variable |
| HDFC Bank | LAP | Variable |
| ICICI Bank | LAP | Variable |
| Aditya Birla Capital (ABFL) | LAP | Variable |
| SG Finserve (SGFL) | LAP | Variable |
| SBI Bank | Home Loan | Variable |
| HDFC Bank | Home Loan | Variable |
| ICICI Bank | Home Loan | Variable |
| Aditya Birla Capital (ABFL) | Home Loan | Variable |
| SBI Bank | Personal Loan | Variable |
| HDFC Bank | Personal Loan | Variable |
| ICICI Bank | Personal Loan | Variable |
| Aditya Birla Capital (ABFL) | Personal Loan | Variable |
| SBI Bank | Business Loan | Variable |
| HDFC Bank | Business Loan | Variable |
| ICICI Bank | Business Loan | Variable |
| Aditya Birla Capital (ABFL) | Business Loan | Variable |
| SG Finserve (SGFL) | Business Loan | Variable |
Example: a ₹20 lakh LAP disbursed by HDFC Bank earns 0.5% = ₹10,000, before TDS.
Why partners choose PCC
Everything you need to run a professional loan business
Trusted lenders
SBI Bank, HDFC Bank, ICICI Bank, Aditya Birla Capital and SG Finserve. Customers never pay you or us a fee.
Real-time tracking
Every status change, from submission to disbursal, shows on your dashboard and in the Android app.
PCC Academy
13 courses from Foundation to Expert: products, credit scores, underwriting and selling with integrity.
Digital visiting card
A professional card with your photo and QR code, ready to share on WhatsApp.
Your own web page
Customers scan your QR or open your link to apply through you. Enquiries reach you directly.
Transparent payouts
See every credit, TDS deduction and withdrawal in your wallet, with UTR numbers for each payment.
PCC Academy
Learn the business before you earn from it
Free article courses with quizzes, from your first referral to expert-level underwriting.
Level 1 · FoundationHow the business works, in plain numbers
Getting started with PCC
Level 1 · FoundationThe rules that protect your income for years
Compliance & Ethics for Loan Partners
Level 1 · FoundationWhatsApp, content and referral partners that work
Get More Customers Online
Questions
Frequently asked questions
Can’t find your answer? Our team is available Monday to Saturday.
Is there a joining fee?
No. Joining PCC is free, and so is the training in PCC Academy. There are no targets.
How do I earn?
Refer a customer who needs a Loan Against Property, Home Loan, Personal Loan or Business Loan. When the bank disburses the loan, your commission (a share of the disbursed amount, up to ₹10,000 per loan, or as agreed with the bank) is credited to your PCC wallet automatically.
When is the commission paid?
After the lender disburses the loan. It shows in your wallet straight away, and you can withdraw to your bank account from ₹100.
Why is TDS deducted?
Commission is income under the Income-tax Act, so 2% TDS is deducted and deposited against your PAN. It appears in your Form 26AS and you can claim it when you file your return.
Can I collect money from customers?
Never. Customers do not pay you or PCC anything. Processing fees, if any, are paid only to the bank, and are negotiable for PCC referrals.
Who decides whether a loan is approved?
Only the bank. It checks the customer’s income, credit score and, for secured loans, the property. PCC and partners cannot promise approval.
What do I need to withdraw my earnings?
Your PAN and a bank account in your own name. Add them once under Bank & KYC; our team verifies them before your first withdrawal.
Start your loan business today
Join free with your mobile number. Your partner code, visiting card and web page are ready in minutes.