Bringing Fintech & Banking Facilitation to Semi-Urban & Rural India

What We Offer: - 600+ fintech, banking, and MSME services - Single-window institutional support - Technology-driven, compliant service delivery

Earnings Model: - Commission on successful transactions - Case-based professional fees - Pricing varies by service and location

Important Disclaimer: > IRB does not guarantee fixed income or returns. All earnings are commission-based, variable, and subject to market conditions.

“IRB Mini Branch means you help people access banking and financial services digitally. You earn commission per transaction. There is no fixed salary, no false promise, and no deposit collection. You work honestly, earn transparently, and grow with trust in your area.”

Low investment, real fintech work - No cash holding risk - Commission credited only on success - IRB backend support

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FAQ

Q1. Is IRB a bank or NBFC?
No. IRB is a fintech and banking facilitation platform.

Q2. Does IRB or franchisee accept deposits?
No. Deposit-taking is strictly prohibited.

Q3. Are commissions fixed?
No. Commissions vary by service, market, and case.

Q4. Is income guaranteed?
No income or returns are guaranteed.

Q5. Who is responsible for customer grievance?
IRB provides escalation support; franchisee must follow SOPs.

Q6. Why does IRB not charge royalty like other franchises?
IRB is a fintech facilitation platform, not a retail franchise. Earnings depend on transaction volume and service execution, not brand rent. Royalty is unsuitable for fintech models.

Q7. Then how does IRB earn?
IRB earns through fixed platform fees and backend processing embedded in transaction settlement.

Q8. Can IRB introduce royalty later?
No royalty applies unless mutually agreed through written amendment.

Q9. Is the monthly fee a hidden royalty?
No. It is a fixed platform and server usage charge, independent of turnover.

COMPARISON: TRADITIONAL FRANCHISE vs IRB FINTECH MODEL

Aspect	Traditional Franchise	IRB Mini Branch
Royalty	5–10% of turnover	Nil
Earnings	Brand-driven	Transaction-driven
Pricing Control	Centralized	Market-adaptive
Regulatory Risk	Medium–High	Low
Income Guarantee	Often implied	Explicitly denied