Your customer
- Honest guidance in the language they speak
- The lender whose policy fits their profile
- The full picture before they sign
- Safety from fraud and false promises
ShubhMitra · Har dukaan, ek branch
One shop.Two businesses.
Your customers already trust you. ShubhMitra turns that trust into a second business — right from your own counter. No capital, no loan knowledge, no staff. Shubhdhanam trains you, walks with you and handles every file, from the first call to disbursal.
Shubhdhanam is a loan distribution firm (DSA).
JoiningNo fee, ever
StructureTwo levels. Never MLM.
PayoutOnly on real disbursal
TrustKYC for every partner
What you need
Nothing you don’t already have.
You already have
- Your shop
- Your customers
- Their trust
- Your good name
Shubhdhanam brings
- Loan knowledge & training
- Banks and NBFCs
- A team for every file
- Tracking & monthly statement
You only need
Will and commitment.
Your shop, your customers and your good name are already the hardest part of any business. ShubhMitra simply adds a second business on the same counter — Shubhdhanam brings the knowledge, the lenders and the team.
One trusted ecosystem
When your customer wins, you win.
Your customers already trust you. ShubhMitra makes sure that trust is always rewarded — for everyone.
Your shop
- Customers who trust you even more
- A second income from the same counter
- The pride of a verified ShubhMitra
Shubhdhanam
- Matches the lender policy
- Builds and follows the file
- Stays with the customer till disbursal
TrustThe network so far
Trust, already at work.
And growing every month — starting in Mira Bhayandar.
100+
ShubhMitra partners
Shops, professionals and customers who refer with Shubhdhanam.
1,000+
Shubh customers
People and businesses whose loan journey our team has handled.
The ladder of work and trust
Every step up in work is also a step up in trust.
- 1
First reference
You share one contact. We show you how a file moves, end to end.
Trust you earnYour customer gets honest guidance — and remembers who sent them.
- 2
Rent covered
The first goal we work toward together: your shop rent.
Trust you earnPayouts exactly as per your signed agreement — no surprises.
- 3
Staff costs covered
Next: the salaries and running costs of your shop.
Trust you earnHappy customers come back to your shop — and bring others.
- 4
A second pillar
A steady additional income — and a bigger role in your customers’ lives.
Trust you earnYour shop becomes the trusted name for loans in your area.
This is the goal we build toward with every ShubhMitra — not a promise of income. Earnings depend on loans actually disbursed and on your signed agreement.
Only want to share a contact now and then? Stay a ShubhMitra Saathi — a fixed Shubh Shagun of up to ₹11,001 on every right reference.See Shubh Shagun →What Shubhdhanam gives you
You bring the trust. We bring everything else.
Training
Short, practical sessions: the loans, the documents, what to say and what never to say.
Branded kit
A ShubhMitra QR standee for your counter, so customers can reach us in one scan.
One point of contact
One person at Shubhdhanam for all your references and questions.
Reference tracking
See where each reference stands — from first call to disbursal.
Monthly payout statement
A clear statement of every disbursed case and payout, every month.
Code of conduct
Simple rules that protect your name and your customers.
Five levels
Find your place in ShubhMitra.
Start where you are today. Your level here is indicative — the final level is assigned after KYC verification.
- 01ShubhMitra
Saathi
- Who it is for
- Customers, friends and anyone who knows someone who needs a loan.
- What you do
- Share a name and number — with that person’s consent. Nothing more.
- How you earn
- A success fee on a disbursed loan, as per your ShubhMitra agreement.
- 02ShubhMitra
Prime Partner
- Who it is for
- Area leaders who build and guide a team of Retail Partners.
- What you do
- Bring shops in your area on board and keep them active.
- How you earn
- On your own cases and on your team’s — one level below you, never more.
- 03ShubhMitra
Business Associate
- Who it is for
- CAs, tax consultants, DSA agents, brokers and other professionals.
- What you do
- Bring cases from your clients. We match the lender and build the file.
- How you earn
- Product-wise payout, as per your agreement.
- 04ShubhMitra
Dynamic Partner
- Who it is for
- Full-time loan advisors and agencies who bring complete files.
- What you do
- Work with us full time, with training and one point of contact.
- How you earn
- Growth, flat or bank-specific payout models, as per your agreement.
- 05ShubhMitra
Retail Partner
- Who it is for
- Kirana, mobile, medical, jewellery and other shop owners.
- What you do
- Keep our QR standee on your counter and send customers our way.
- How you earn
- Payout on every disbursed case, as per your agreement.
Payout percentages are never shown on this website. They are written only in your signed ShubhMitra agreement.
How you join
Four steps. One clear agreement.
- 1
Talk to us
A ten-minute call or WhatsApp chat. We understand who you are and suggest your level.
- 2
KYC and agreement
PAN, a bank account in your own name and a signed ShubhMitra agreement. You must be 18 or older.
- 3
Training and code of conduct
A short session on what you may say, what you must never say, and how a case moves.
- 4
Start referring
Share contacts with their consent. Our team calls, guides and handles every file.
The ShubhMitra promise
A name your customers can be proud of.
- 01I guide honestly, and put my customer’s interest first.
- 02I share a contact only with that person’s consent.
- 03I never take money or documents from anyone.
- 04I never promise approval, rates or timelines.
- 05I send every customer only to Shubhdhanam’s verified team.
The dream
From one counter to the whole of Bharat.
Mira Bhayandar
Today — where it began
Mumbai
Next — every neighbourhood
Bharat
The dream — every shop, a branch
Clear rules
Nothing hidden. Nothing confusing.
The same rules for every ShubhMitra, written into the agreement before you start.
- Payout becomes due only after the lender disburses the loan and Shubhdhanam receives the related payout. Paid monthly; TDS and GST as applicable.
- The first valid reference wins, by time of entry. A reference stays valid for 90 days.
- No payout for a customer who is already in our records, or for referring yourself.
- Bank and NBFC employees cannot be referrers.
- If a lender takes back its payout, the amount is adjusted in your next payout.
- Rate changes never touch cases that are already logged.
- You see only your own data — never another partner’s.
Shubh Shagun
Share a contact. Receive a Shagun.
Not ready to be a partner? Stay a ShubhMitra Saathi. For every reference whose loan the lender disburses, a fixed Shubh Shagun reaches you — and your first one is double.
See Shubh Shagun →Our Presence
Every verified partner, area by area.
Our live Bharat map shows how many verified ShubhMitra partners we have in each area and level — only with each partner’s separate permission. Partner names, addresses and phone numbers are never shown.
Open Our Presence map →Straight answers
Your questions, plain truth
Is there a joining fee?
No. There is no joining fee at any level, ever.
I am a shop owner (Retail Partner). If a customer I sent does not pay the EMI, will anyone come to my shop?
No — never. You only connect a customer who needs a loan. You do not sign the loan, you are not a co-applicant or guarantor, and the loan is not your responsibility in any way. The loan is between the customer and the lender only, so any EMI follow-up is done by the lender with the customer only, as per RBI rules. No one from any bank and no one from Shubhdhanam will come to your shop, call you or ask you for anything about a customer’s EMI. One simple rule keeps you fully safe: never sign any customer’s loan paper as a guarantor or witness.
Customers’ KYC is scanned at my shop. Can it be misused?
No. A customer’s KYC is used only for that customer’s own loan application, with their consent, and goes only to the lender they choose. It is kept in our secure system, seen only by the team member handling the case, and never sold or used for anything else. And a KYC copy alone can never create a loan — every lender checks the customer directly, with an OTP on their own mobile, their own signature or e-sign. Three habits make it fully safe: send scans only to Shubhdhanam’s official WhatsApp +91 91721 34844; ask the customer to sign across the copy “For loan application only” with the date; and delete the scan from your phone once it is sent — the customer’s papers never stay with you.
How do customer documents reach Shubhdhanam?
The easy way most of our partners use today: send clear photos or PDFs on Shubhdhanam’s official WhatsApp +91 91721 34844. Email to loans@shubhdhanam.com also works. Our team checks every page, tells you exactly what is missing, and prepares the file for the lender.
Is ShubhMitra a chain or MLM scheme?
No. There are only two levels. A Prime Partner earns on own cases and on the Retail Partners directly in their team — one level below, never more.
Do I have to sell loans or collect documents?
No. A referral means only sharing a contact, with that person’s consent. Our team speaks to the customer, explains the loan and handles the documents.
When and how am I paid?
Monthly, into a bank account in your own name, after the lender disburses the loan and Shubhdhanam receives the related payout. TDS and GST apply as per law.
How much can I earn?
As a Saathi, you receive a fixed Shubh Shagun for every disbursed reference. Partner payouts depend on your level, the product and your signed agreement, and are explained in person after enrolment — this is not an offer or a promise of income.
Can an existing customer become a Saathi?
Yes. If you already took a loan through us, you can refer people you know. You cannot refer yourself.
Can I refer customers from other cities or states?
Yes. Shubhdhanam works across all of Maharashtra and handles cases from anywhere in India. The process can run online, so you can share a contact from any city — our team takes it from there.
Make your shop a branch of trust.
One conversation is enough to start. We explain the level, the agreement and the rules before you sign anything.
Office landline: +91 22 4515 3011
A referral means only sharing a contact. Referrers do not represent Shubhdhanam or any lender, cannot promise approval, rates or timelines, must never collect money from anyone, and must never keep a customer’s documents — documents go only to Shubhdhanam’s official number.
Any payout is governed only by your signed ShubhMitra agreement and becomes payable only after the loan is disbursed by the lender and the related payout is received by Shubhdhanam. Applicable taxes apply.
Never pay anyone in cash or into a personal account in Shubhdhanam’s name. To verify, call +91 91721 34844 / +91 22 4515 3011.