Archive · 24 Aug 2026
How Referral Programs Can Help Earn ₹1,00,000 Monthly
Referral programs let you earn money by recommending products to other people.
The amount you earn depends on the product and the commission rate.
A high-priced product can pay much more for each successful referral.
For example, a ₹10,00,000 loan with a 2.5% commission could pay ₹25,000.
Four referrals at that amount could reach ₹1,00,000.
A ₹499 app subscription with a 10% commission pays only ₹50.
That means you would need many more subscription referrals to earn the same amount.
The example highlights why product price matters when choosing a referral program.
Referral earnings depend heavily on the product’s ticket size.
IDFC FIRST Bank’s MyFIRST Partner program is cited as an example.
A ₹10,00,000 loan referred at a 2.5% commission could yield ₹25,000.
Four such transactions would total ₹1,00,000 before any applicable conditions or deductions.
A ₹499 app subscription referred at 10% would generate ₹50, requiring far more referrals.
- Who
- People seeking online referral income and businesses offering referral programs.
- What
- The article explains how product price and commission rates affect the ability to earn ₹1,00,000 per month through referrals.
- Where
- Online referral programs.
- Why
- Higher-ticket products can produce larger commissions per successful referral, reducing the number of referrals needed.
- Income target
- ₹1,00,000 per month
- Example program
- IDFC FIRST Bank’s MyFIRST Partner program
- Loan amount
- ₹10,00,000
- Loan commission rate
- 2.5%
- Loan commission example
- ₹25,000 from one transaction
- App subscription price
- ₹499
- Subscription commission example
- ₹50 at a 10% commission