Referral Management System
Get every loan commission you're owed.
Every disbursement earns two ways. RMS tracks both, to the rupee.
The software that gets your loan commissions paid, in full.
If your business refers borrowers to banks, RMS is your commission back-office. It knows what every bank owes you, what you owe every sourcing partner, and it chases both to the rupee, so nothing slips through the cracks.
You enter the loan and its disbursements. RMS does the rest: it calculates the commission, applies the correct TDS and GST, and raises the invoice to the bank and the payout to each partner, straight into your accounts.
Never lose a rupee of commission — every receivable from every bank, tracked from disbursement to the day it lands in your account.
Pay partners right, every time — each partner's brokerage computed on their own terms, with advances recovered automatically.
Tax handled for you — TDS and GST applied correctly from each party's profile, so your books are clean and audit-ready.
Most DSA Tools Track Leads. RMS Runs The Money.
A Commission Engine, Not A CRM
Other tools chase leads and bolt a payout calculator on the side. RMS is the opposite: an accounting-grade engine that books real invoices and payouts, with the controls a finance team needs.
The Numbers Always Add Up
Rates are locked at the moment of verification, so a change tomorrow never rewrites what you earned yesterday. No disputes, no manual reworking.
Nothing Pays Out Without Sign-Off
One person prepares, another approves. Figures are frozen and reviewed before a single rupee is committed to your books.
Capture, Commit, Settle. Fully Audited.
Capture The Loan
Borrower, bank, sourcing partners and commission terms, in a guided wizard.
Record Disbursements
Each tranche as the bank pays out, then verified against the bank's figures.
Batch And Stage
Group verified disbursements. Figures freeze; nothing hits your books yet.
Approve And Commit
On approval, RMS creates the commission invoice and partner POs, with annexures attached.
Settle And Audit
Bank receipts and partner bills tracked to close, every action on an append-only trail.
Referral Commission Is Money. A Mis-Read Amount Is A Wrong Payout.
Tracking cases, disbursements, bank commission and multi-broker brokerage by hand, across mismatched spreadsheets, is slow, error-prone, and quietly leaks margin. Every wrong figure is either money you never collect or money you overpay.
Stop The Leakage
Every rupee owed and owing is computed from the verified amount and tracked to settlement. Nothing falls through.
End The Disputes
Partners see brokerage computed on agreed terms, with advances reconciled. No more month-end arguments.
Be Audit-Ready, Always
Clean books, correct tax, and a complete trail behind every number, without a separate reconciliation exercise.
The Numbers That Matter
1 click
Process
Invoice + every broker PO, at once. One click turns a verified disbursement into the bank invoice and one consolidated purchase order per broker, in a single atomic batch.
35
MIS Reports
Live, filterable, Excel-ready. Receivables, payables, ageing, surplus/deficit, performance and TDS, as live screens over your real data.
0
Errors To Date
Live and proven. The first FinBowl module in production, running real commission for a working referral business.
100%
Audited
Nothing changes silently. Every override keeps the original value and a mandatory reason, on an append-only trail.
Everything RMS Handles For You
Multi-Broker Cases
Many brokers on one loan, each with its own brokerage %, own PO, own GST and TDS.
Rate Master
Commission and brokerage rates auto-fill by bank, loan type and party. Editable per case.
Tax Read From Source
GSTIN, GST treatment and TDS pulled from each party and snapshotted once at process.
Safety Net
A failed run resumes from the last good step, or rolls back the whole batch cleanly.
Smart Import
Reads any column layout, shows exactly what it will create, and never creates anything silently.
Bulk Verify
Mark many disbursements verified from one internal Excel, matched by case and instalment.
Broker Advances
Pay ahead of commission earned and reconcile automatically as payables accrue.
Corrections In Place
Fix an issued batch without unwinding it. Invoice and PO numbers are preserved.
MSME-Aware Ageing
Broker payables to MSME partners age on 15 and 45-day buckets, per the MSMED Act.
Variance Banding
Entered vs verified amounts flagged green, yellow or red, without ever overwriting the original.
Maker-Checker Approvals
Loans, batches and advances all need a second person to sign off before money moves.
Books Hand-Off
Everything posts to your accounting system and links back for a complete audit trail.
Take The Console For A Spin
Priced Like Software. Built Like A Ledger.
Typical DSA Software
FinBowl RMS
Point tools start around ₹35,000–40,000 a year for lead tracking. RMS replaces the spreadsheet that sits beside them, and the reconciliation work behind it.
Plans For RMS
Launch offer · 30% off. Pay annually and get 1 month free.
Starter
Independent DSAs and small sourcing desks
₹8,600₹6,000/month
Up to 5 users · Up to 100 loans / month
- Receivable + Payable Tracking
- Rate Master & Approvals
- Core MIS Reports
Professional
Most PopularGrowing DSA firms and Consulting Firms with Referral Practice
₹17,000₹12,000/month
Up to 20 users · Up to 400 loans / month
- Everything In Starter
- Broker Advances & Knock-Off
- All 35 MIS Reports + Ageing
- Bulk Import & Corrections
- Priority Support
Premium
Aggregators and multi-branch operations
₹31,500₹22,000/month
Up to 50 users · Up to 1,200 loans / month
- Everything In Professional
- Profitability & Performance MIS
- Partner Portal & Role-Based Access
- Dedicated Onboarding
Enterprise
Large aggregators running commission at scale — Up to 100 users · Unlimited loans · Everything in Premium, plus dedicated support
Introductory launch pricing. Pay monthly and cancel any time, or pay annually for 1 month free. Excludes GST. Zoho Books connection included.
Built For The People Who Chase Commission
DSA Firms And Loan Aggregators
Running commission from dozens of banks across many sourcing partners, where a missed percentage or a wrong TDS is real money lost.
Consulting Firm With Referral Practice
Who need the numbers to be defensible, tax-correct, and audit-ready, not just tracked.
Corporate Finance Teams
Managing introducer payouts at volume, who want maker-checker control and a clean books integration.
Stop Reconciling Commission By Hand.
The AI Office for your finance operations. Reconciliation, purchases, sales, signing and more.
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