Personal & Business Loan
- ₹2 L – ₹10 L₹2,101/ loan
- Above ₹10 L₹5,101/ loan
ShubhMitra Saathi · Reference reward
Shubh ShagunUp to ₹11,001 Shubh Shagun on every successful reference.
You share a contact. We do the rest. When the lender disburses the loan, a fixed Shagun reaches you — like a blessing for a good start.
Shubhdhanam is a loan distribution firm (DSA).
Shubh Shagun
up to₹11,001
per loan
First Shagun Double · ×2For every reference whose loan the lender disburses. Paid by UPI or bank transfer.
The Shagun table
One fixed Shagun for every disbursed loan.
Every loan the lender disburses earns its own Shagun — by that loan's disbursed amount. 3 loans = 3 Shaguns, even when all 3 are in the same slab.
Used Car Loan
- ₹3 L and above₹2,101/ loan
Home Loan & Loan Against Property
- ₹20 L – ₹50 L₹5,101/ loan
- Above ₹50 L₹11,001/ loan
How it adds up
You share 3 friends. Each takes a Personal Loan of ₹5 lakh — all in the same ₹2 L – ₹10 L slab.
- Loan 1 · Personal Loan ₹5 Lyour first — double · ₹2,101 × 2₹4,202
- Loan 2 · Personal Loan ₹5 L₹2,101
- Loan 3 · Personal Loan ₹5 L₹2,101
- Your total Shubh Shagun₹8,404
Not ₹2,101 in total — ₹2,101 for every disbursed loan.
First Shagun Double
Your first disbursed reference earns a double Shagun — for loans disbursed till 31 March 2027.
Smaller loans do not carry a Shagun. Share them anyway — our team will explain on the call.
Quick check
How much is my Shagun?
Loan type
Example only — change it
In rupees. Tap a chip or type.
How it works
Four steps. You do only the first.
- 1
Share a contact
Name and number of someone who needs a loan — after they say yes to a call.
- 2
We call and guide them
Our team explains the loan, collects documents and handles the file. You do not sell anything.
- 3
The lender decides
Approval, rate and amount are the lender’s decision. You can track the stage with your code.
- 4
Your Shagun reaches you
After the loan is disbursed and Shubhdhanam receives the lender’s payout, we call you and send the Shagun by UPI.
Never pay anyone in cash or into a personal account in Shubhdhanam's name. To verify, call +91 91721 34844.
Share any Shubh tool
Your name travels with the link.
Every Shubh tool — Loan Kundli, Switch Advisor, Time Machine, CIBIL game — has a “Send to someone” box. Send it with your name; if that person takes a loan through us within 90 days, the Shagun is yours.
Shubh Tools →Shubh Sitara
Five Shagun. One star.
After your fifth Shagun, we send you a Shubh Sitara card — our thank-you to the people who help their circle find the right loan.
Want to make this your regular work? Write to us to become a partner →
The fine print, in plain words
- The Shagun is paid only after the lender disburses the loan and Shubhdhanam receives the related payout from the lender.
- Paid by UPI or into a bank account in your own name. PAN is needed. TDS applies as per law.
- The customer must be new to Shubhdhanam. If two people share the same contact, the first valid reference (by time) counts. A reference stays valid for 90 days.
- Self-referral is not allowed. Bank and NBFC employees cannot be referrers. You must be 18 or older.
- If a lender takes back its payout, the Shagun is adjusted.
- The Shagun table may change for future references; references already shared keep the table of that day.
- A referral means only sharing a contact. Final lending decisions are made by the lender. Shubhdhanam is a loan distribution firm (DSA).
Straight answers
Questions people ask us
Do I have to become a partner to get a Shagun?
No. Anyone can share a contact and receive a Shagun — you stay a ShubhMitra Saathi. Becoming a partner is only if you ask for it.
If I refer three people, do I get three Shagun?
Yes. Every disbursed loan carries its own Shagun, by that loan’s disbursed amount.
When will I receive it?
After the lender disburses the loan and Shubhdhanam receives the lender’s payout for it. Our team calls you to confirm your UPI and PAN.
Can I collect documents or money from the person?
No. Never collect money or documents, and never promise approval, rates or timelines — the lender decides every loan.
Who gets the Shagun if two people share the same contact?
The first valid reference (by time) is counted. A customer already in our record does not carry a Shagun.
Does the customer pay anything extra because I referred them?
No. Your Shagun comes from Shubhdhanam’s side. Any lender charges are stated in the lender’s sanction letter.