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.
Overview
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. It's a B2B-backed footfall driver that requires no extra hardware — just a smartphone and the Sarthi agent app.
What you can offer
Loan EMI Collection
Monthly EMIs for partner NBFCs and personal-loan companies, with predictable footfall on the 1st–10th.
Insurance Premium
Life, health and general-insurance premium payments for partner insurers.
E-commerce COD Reverse
Refund cash collection for cash-on-delivery order returns.
Subscription & Society Dues
OTT subscriptions, DTH renewals, housing-society maintenance and school fees.
How it works
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1
Customer Walks In
With a loan/policy ID and cash.
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2
Pick Client & Service
In the Sarthi app.
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3
Verify Reference
Auto-fetches the customer name and dues.
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4
Collect & Confirm
Funds credited instantly to the partner.
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5
Receipt & Earn
Commission lands in your wallet immediately.
Key benefits
- ✓ Recurring monthly volume from the same customers
- ✓ Higher ticket sizes than one-off transactions
- ✓ No extra hardware required
- ✓ Trust boost as an authorized partner
- ✓ Cross-sell ready for recharge and BBPS
- ✓ Auto reconciliation
Frequently asked questions
How is CMS different from BBPS?
BBPS is for end-customers paying their own utility bills. CMS is a B2B service where you collect cash on behalf of partner companies.
How fast does the partner get credited?
Credit is reflected on the partner's system in real time — usually within seconds.
What happens to the collected cash?
The cash stays with you and your Sarthi wallet is debited; you then deposit the collected cash into your own bank account.
What if I enter the wrong ID?
The Sarthi app fetches the customer's name and amount due before you confirm; if needed, support will coordinate with the partner to reverse or reassign.
What are the collection limits?
Most CMS partners support collections from ₹100 up to ₹50,000 per transaction.
Can customers pay any NBFC EMI?
Only the NBFCs, insurers and e-commerce brands integrated as Sarthi CMS partners are supported.