Bharat Kist is a marketplace. We bring the clients, run the platform, take the payment and handle the support. You bring the expertise, take the sessions that suit your calendar, and keep 75% of every fee.
Transferred Tuesday
₹18,675
across 25 sessions · IMPS to ••••4417
An illustration of a payout statement, not an earnings claim. What you make depends on how many sessions you choose to take.
The work
You are not cold-calling, not selling a product, and not chasing anyone. A client books a session, you take it at the agreed time, and you send the written plan afterwards.
A structured consulting programme that maps every EMI you owe, tells you exactly how much to keep aside and by when, and reviews your due-date calendar with you month after month.
A guided session on what a credit score actually is, which of your habits move it, how the four scoring factors are weighted, and what a realistic improvement path looks like for your situation.
Consulting on how a clean, on-time repayment record compounds into better borrowing outcomes — and how to present that record when you next approach a lender.
The money
You keep 75%. We keep 25%, and out of it we pay for client acquisition, the payment gateway, your verification, the payout transfers, the platform and the support desk.
You keep 75% of every session fee. We keep 25% and carry the payment, payout, verification and support costs out of it.
A session runs 45–60 minutes, at times you choose.
Current listed prices: ₹199 · ₹299 · ₹499.
Illustrative. This is what the arithmetic produces at the volume you set — not a guarantee of session volume, and not an offer of employment or of any minimum income. How many sessions you actually take depends on demand, your ratings and your availability.
Verification
Clients are handing over their financial situation to a stranger on a call. The verification is what makes that reasonable — for them, and for the other experts whose reputation you share.
An OTP to the number you register with. This becomes the number we and your clients reach you on.
Your PAN is validated against the Income Tax database and the name on it is matched to your application.
Identity is confirmed by an OTP to the mobile linked to your Aadhaar. We never see or store your Aadhaar number.
A rupee is deposited into the account you nominate to prove it exists and is in your name. That account becomes your payout account.
A person reads your qualification and experience. This is the step that is not automated, and it is the one that takes the longest.
Verification is run by Cashfree, not by us. The PAN check, the Aadhaar OTP and the bank penny-drop are performed by Cashfree's regulated verification suite. We receive only the pass or fail result and the masked reference we are required to keep. We never see, store or transmit your Aadhaar number, and nobody here will ever ask you for an OTP, a net-banking password or a card PIN.
Payouts
The part most platforms are vague about, written down plainly.
The client pays Bharat Kist up front when they book. Nothing is settled to you at this point, because the cancellation window is still open.
A client can cancel up to 24 hours before a session. Once a session is delivered and that window has passed, the fee is earned and locked to your account.
Everything earned and locked up to the cut-off goes into that week’s payout run. Sessions delivered after it roll into the following week.
The full balance is transferred by IMPS, NEFT or UPI to the bank account verified during your onboarding. There is no minimum, and nothing is held back or carried forward — whatever you earned in the cycle is what is sent.
Every payout comes with a statement itemising each session, the fee, the platform fee, any tax deducted at source, and the transfer reference.
Tax. Where the Income-tax Act, 1961 requires it, tax is deducted at source before a payout is made — for payments facilitated through an e-commerce platform this is ordinarily Section 194-O. The rate and threshold applied are those in force on the date of payment, and both are itemised on your payout statement so you can reconcile them. You remain responsible for your own income tax and, if you are registered, your own GST.
The deal
The rule that gets people removed. You must never recommend a specific lender, insurer or financial product, and never accept a commission, referral fee or incentive from one. The entire value of this service to a client is that nobody in the room is being paid by a bank. Breach it and the relationship ends the same day.
Eligibility
We would rather have a small network of people who are genuinely good at this than a large one that is not. Most applications we decline are declined for experience, not paperwork.
Application
This form starts the conversation. It deliberately asks for nothing sensitive — no Aadhaar, no PAN, no bank details. Those are collected later, inside Cashfree’s verification flow, once we have reviewed your experience.
Expert questions
No. You would be an independent professional providing services through the platform, not an employee, agent or partner of Last Flight Solution Limited. You set your own availability, you are free to work elsewhere, and there is no minimum commitment, no exclusivity and no notice period. Equally, there is no salary, no PF, no gratuity and no guaranteed volume of sessions.
Nothing. There is no registration fee, listing fee, training fee, subscription or payout charge. Anyone asking you to pay to become a Bharat Kist expert is committing fraud — report it to us immediately. Our only income from you is the platform fee deducted from sessions you have actually delivered.
Because we pay you real money and are accountable for who is giving financial guidance under our name. PAN validation confirms your tax identity, Aadhaar OTP confirms you are who you say you are, and the bank penny-drop confirms the payout account is yours. All three run on Cashfree’s regulated verification suite. We receive the pass or fail result and a masked reference — we never see or store your Aadhaar number.
Every Tuesday. Sessions you delivered up to the previous Sunday, whose cancellation window has closed, are settled in that run and transferred by IMPS, NEFT or UPI to your verified account. There is no minimum amount and nothing is carried forward — whatever you earned in the cycle is what is sent.
A delivered session is not refundable, so this is rare. Where a refund is nevertheless approved — because we cancelled, or because something went wrong on our side — Bharat Kist bears it, not you. The only exception is a refund caused by your own no-show or misconduct, which is adjusted against your next payout and explained to you in writing first.
No, and this is the rule we enforce most strictly. You must not steer a client toward any lender, insurer or financial product, and you must not accept any commission, referral fee or incentive from one. If you have an existing arrangement with a lender, disclose it during your application. Breaching this ends the relationship immediately.
The automated checks — mobile, PAN, Aadhaar, bank — usually finish within minutes. The credential review is done by a person and normally takes three to five working days. We tell you either way, and if we decline we tell you why.
We look into it and we talk to you before deciding anything. A first substantiated complaint is usually a conversation and a corrective note. Repeated complaints, no-shows, or any breach of the no-commission rule lead to suspension or removal, in line with the Expert Partner Terms.
The full terms are published. Everything on this page — the 25% platform fee, the Tuesday payout, the verification requirements, the no-commission rule, how a refund is handled — is set out in binding form in the Expert Partner Terms & Payout Policy. Read it before you apply, not after.
No joining fee, no exclusivity, no minimum hours. Take the sessions that fit your week and get paid for every one of them the following Tuesday.