Revised IPPB Commission / Incentive Structure 2025

Key Changes:

1. Revenue Sharing Increase: DoP’s share of incentive/commission from IPPB increased from 40% to 50%.

• Revised sharing ratio between DoP and IPPB is now 50:50.

Distribution within DoP:

From DoP’s 50% share:

• 25% → DoP’s commission
• 20% → L0 (End User/GDS)
• 2.5% → L1 (Supervisor)
• 2.5% → L2 (Divisional/Regional)

Simplified Categorization:

• Earlier categorization of products/services based on effort is discontinued.

New Incentives Introduced:
Aadhaar Seeding in IPPB accounts:

• ₹5 per account (DoP) + ₹5 flat (End User) for 1–9 accounts/month
• ₹10 per account (DoP) + ₹10 flat (End User) for 10+ accounts/month
• POSB-IPPB Account Linkage: Same structure as Aadhaar seeding.

PM Vishwakarma Merchant Onboarding:

• 50% revenue share to DoP (25% to DoP, 25% to End Users/L1/L2) if UPI QR issued + 2 transactions on same day.

New Products:

• Premium accounts (with/without Aadhaar)
• Loan Referral (0.8% bank commission)
• International Money Transfer (1% bank commission)

→ All follow the 50% revenue sharing model.

Minimum Payout Condition:

• End Users receive incentive only if monthly amount ≥ ₹160.

Penalty Recovery Mechanism:

• Financial penalties on IPPB due to DoP staff lapses will be recovered in 60:40 ratio (IPPB:DoP) for FY 2023-24 & 2024-25.
• From FY 2025-26, ratio changes to 50:50.

Future Changes:

• Any new incentives or changes must be reviewed by a committee constituted by PBI Division.

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Applicable To:

• All DoP staff involved in IPPB services (GDS, supervisors, divisional officers).
• Effective from 03 October 2025.

 

Activity / Product / Service	Total Payout from IPPB to DoP	Share to End User (L0)	Share to L1	Share to L2	DoP Commission	Conditions / Remarks
Transactional Revenue (all products/services)	50% of revenue	20%	2.5%	2.5%	25%	-
Savings Account Acquisition (Aadhaar seeded)	50%	20%	2.5%	2.5%	25%	Only if annual maintenance charges are fully recovered by bank
Current Account Acquisition (with VDC & Aadhaar seeding)	50%	20%	2.5%	2.5%	25%	Only if annual maintenance charges are fully recovered by bank
Current Account Acquisition (with UPI QR & 2 inward credits in 30 days)	50%	20%	2.5%	2.5%	25%	Only if annual maintenance charges are fully recovered by bank
Incremental Savings Balance (on target achievement)	0.20% (annualized)	0%	0%	0%	0.20%	No incentive to End Users
Balance Achievement (annualized avg monthly balance)	0.50%	0%	0%	0%	0.50%	No incentive to End Users
Aadhaar Seeding in IPPB accounts (1–9 accounts/month)	-	Rs. 5 for all accounts (lump sum)	-	-	Rs. 5 per account	Reset monthly; End User gets flat Rs. 5 total for 1–9 accounts
Aadhaar Seeding in IPPB accounts (10+ accounts/month)	-	Rs. 10 for all accounts (lump sum)	-	-	Rs. 10 per account	Reset monthly; End User gets flat Rs. 10 total for 10+ accounts
POSB-IPPB Account Linkage (1–9 accounts/month)	-	Rs. 5 for all accounts (lump sum)	-	-	Rs. 5 per account	Reset monthly; End User gets flat Rs. 5 total for 1–9 accounts
POSB-IPPB Account Linkage (10+ accounts/month)	-	Rs. 10 for all accounts (lump sum)	-	-	Rs. 10 per account	Reset monthly; End User gets flat Rs. 10 total for 10+ accounts
PM Vishwakarma Merchant Onboarding (1–5/month)	50% of per-transaction revenue	20%	2.5%	2.5%	25%	Must have UPI QR + 2 inward transactions on same day
PM Vishwakarma Merchant Onboarding (6+/month)	Incentive starting from 1st account (details not fully specified in doc)	Likely same as above	Likely same as above	Likely same as above	Likely same as above	Same eligibility; tiered incentive for higher volume
New Acquisition Variants (Premium accounts with/without Aadhaar)	50%	20%	2.5%	2.5%	25%	Tentative; based on transactional value
Loan Referral	50% of 0.8% bank commission	20%	2.5%	2.5%	25%	Tentative; avg ticket size Rs. 1,00,000
International Money Transfer (IMT)	50% of 1% bank commission	20%	2.5%	2.5%	25%	Tentative; avg ticket size Rs. 30,000
General Condition	-	Minimum payout Rs. 160/month for End Users	-	-	-	If incentive < Rs. 160, no payout for that month

Note:

L0 = End User (GDS/field staff)
L1 = Supervisor level
L2 = Divisional/Regional level

All percentages are of the revenue/commission earned by IPPB unless specified otherwise.