Cash Management Services (CMS)
Become an authorized cash collection point for India’s leading NBFCs, insurance companies and e-commerce brands. Customers pay you in cash; the partner gets credited in real time — and you earn on every collection.
Be the Trusted Collection Point
The simplest way for customers to pay their EMIs, premiums and bills in cash — and the most reliable way for businesses to collect them.
Cash Management Services (CMS) turn your shop into an authorized cash-collection counter for India’s top NBFCs, microfinance institutions, insurance companies and e-commerce brands. When their customers can’t pay online, they walk into your shop, hand over cash, and you record the collection in seconds — the partner receives credit in real time.
Unlike consumer-driven services like recharge or BBPS, CMS is a B2B-backed footfall driver. NBFCs and insurance companies actively send their customers to nearby Sarthi agents on EMI / premium dates, giving your shop a steady, predictable stream of paying visitors every month.
Best of all, CMS needs no extra hardware — no fingerprint scanner, no card reader. Just your phone, the Sarthi agent app and your shop. Most agents add CMS within minutes of activation and start earning on the first day.
What You Can Collect For
Every collection earns commission. Many of these are recurring monthly — meaning the same customers come back every month.
Loan EMI Collection
Collect monthly EMIs for partner NBFCs, MFIs and personal-loan companies. Predictable footfall on the 1st–10th of every month, with strong recurring volume.
Insurance Premium
Accept life, health and general-insurance premium payments for partner insurers. Helps customers avoid policy lapse and earns you commission on every renewal.
E-commerce COD Reverse
Collect refund cash on behalf of e-commerce platforms when customers return cash-on-delivery orders — an emerging high-volume use case.
Subscription & Society Dues
From OTT subscriptions and DTH renewals to housing-society maintenance and school fees — any recurring B2B collection can run through CMS.
Collect Cash in 5 Simple Steps
The whole process — from customer walk-in to confirmed credit — takes under 60 seconds.
Customer Walks In
Customer brings their loan ID, policy number or order reference, plus the cash amount to be paid.
Pick Client & Service
Open Sarthi app, choose the partner (NBFC / insurer / e-com) and the service type.
Verify Reference
Enter the customer’s loan / policy / order ID. Their name and dues are auto-fetched for confirmation.
Collect & Confirm
Take the cash from the customer, enter the amount and submit. Funds are credited to the partner instantly.
Receipt & Earn
Print or share the receipt with the customer. Your commission lands in the agent wallet immediately.
Recurring Revenue, Predictable Footfall
Unlike one-off transactions, CMS customers come back every month. EMI dates and premium renewals turn your shop into a routine destination.
- Recurring monthly volume — same customers, every cycle
- Higher ticket sizes — better commissions per transaction
- No extra hardware — just a smartphone
- Trust boost — you become an authorized partner agent
- Cross-sell ready — collection visits drive recharge, BBPS, AEPS too
- Auto reconciliation — no manual matching of collections
Earn ₹15–₹50 Per Collection
An active CMS agent handling 20–40 collections a day during EMI / premium weeks builds one of the most stable income streams in the Sarthi ecosystem.
What You Need to Activate CMS
The simplest service to add — no devices, no setup. If you’re a Sarthi agent, you can be live in minutes.
PAN Card
For tax compliance and KYC verification of the agent.
Aadhaar Card
For agent identity proof — e-KYC done digitally in minutes.
Shop Proof
GST, Udyam, Gumasta or any registered shop document.
Bank Account
A current or savings account for daily commission settlement.
Smartphone
Any Android phone — the Sarthi agent app handles everything.
Wallet Float
Maintain a working wallet balance to instantly process partner credits.
Frequently Asked Questions
Common questions agents ask before activating CMS at their shop.
