GJ, MP ,HR,OD, WB, 
HP & JK Bihar PB, RJ, 
JH,UP New Clients Graduate 
clients
<11 <16 <13 NIL NIL
11 -15 16 -25 13-20 ₹ 30 ₹ 35
16-25 26-35 21-30 ₹ 35 ₹ 40
26-35 36-45 31-40 ₹ 60 ₹ 65
36-50 46-60 41-55 ₹ 70 ₹ 75
51-65 61-75 56-70 ₹ 80 ₹ 85
>65 >75 >70 ₹ 100 ₹ 105
Incentive for Loans Disbursement
CO has tenure < 90 Days will be eligible for ₹30/client (15 Loans- GJ 
MP HR OD WB HP JK, 25 Loans – BH, 20 Loans – PB RJ JH UO
CPP - ₹20 / Loan
Each CO will disburse min. 5 PL and 1 IL. If he/she fails to 
achieve it, then ₹500/-will be dis incentivized from the 
overall payout. Overdue Bucket 
as on last day of 
the previous 
month
Incentive Amount – 1 EMI 
Collection or 4 EMI
Incentive Amount – 
Partially Paid 
minimum ₹500/- per 
collection
Incentive Amount – 
Zero Paid
0 Day ₹ 4/- per client ₹2/- per client ₹-20/- per client
1 – 30 Days ₹6/- per client ₹3/- per client ₹-10/- per client
31 – 60 Days ₹10/- per client ₹5/- per client ₹-5/- per client
61 – 90 Days ₹60/- per client ₹25/- per client
₹0/- per client91 – 180 Days ₹80/- per client ₹40/- per client
180+ Bucket ₹100/- per client ₹55/- per client
Restructured/AR
C/Write Off ₹150/- per client ₹60/- per client
IMEL ₹200/- per client ₹60/- per client
Client Maintenance
Overdue Bucket as on last day of 
the previous month Incentive Amount
1 – 30 Days 1% of the collection amount
31 – 60 Days 2% of the collection amount
61 – 89 Days 8% of the collection amount
90 – 180 Days 10% of the collection amount
180+ 15% of the collection amount
ARC / Written Off cases / 
Restructured 20% of the collection amount
Collection Efficiency of Regular 
Bucket (0 Day)
Incentive Amount for CO’s 
 who are handling >150 clients
Min. 99% ₹ 500/-
99.01%  - 99.99% ₹ 750/-
100% ₹ 1,000/-
OTR -Same Day Demand vs. Same Day Collection
Collection Incentive on Arrear Recovery
Regular Bucket Collection Efficiency Bonus
Note: If the CO is handling upto150 clients and collection efficiency is min. 99% , then 
he/she will be incentivized with Rs.2/-per client. Waiver %age Incentive Amount
Without Waiver 30% of the OTS Amount collected
1% – 25% Waiver 25% of the OTS Amount collected
26% – 35% Waiver 10% of the OTS Amount collected
36% – 50% Waiver 5% of the OTS Amount collection
>50% Waiver 2% of the OTS Amount collected
OTS – One time settlement
MidFinDigital & Activation Criteria Incentive
Mid-finDigital Collection Inventive ₹5/Client
Mid-fin Activation Incentive with their 
registered mobile number ₹10/Client (One time)
EUV TAT from the date of the 
disbursement Incentive Amount
Within 30 Days ₹ 3/- per client
If minimum 90% EUVs are not done 
within 30 days
₹ 3/- per client will be dis-
incentivized against the 
disbursed clients
Audit Grading Incentive Amount / Action
A Grade ₹ 500/-
B Grade ₹ 0/-
C Grade 5% Incentive amount will be dis-incentivised. D Grade 50% Incentive amount will be dis-incentivised.