NBFC and bank marketing that ends in disbursals.

Cost per disbursal. Cost per lead rewards cheap forms from people you can’t lend to; cost per disbursal is ad spend divided by the loans marked disbursed in your LOS, by campaign and source. We also report files logged in and sanctions each week, because disbursals take time. A pricier lead that disburses beats three cheap ones that don’t.

Yes. WhatsApp sends the documents list and reminders automatically; your telecallers and branch staff make the calls, between 9 am and 7 pm unless the borrower asks otherwise, as RBI’s 2027 conduct directions require. We set up the LOS stages so they call the most complete files first, and every Monday we show where each file stopped.

Branch by branch. Search and Maps ads around each branch for “gold loan near me”, in the local language, with the per-gram rate and fees on the page; WhatsApp reminders for renewals and top-ups. From 1 April 2026, RBI’s gold lending directions allow up to 85% loan-to-value on loans up to 2.5 lakh and bar misleading ads, so the ad promises only what the rules allow.

Often, for reach: DSAs, dealers and marketplaces like Paisabazaar and BankBazaar bring borrowers you wouldn’t find alone. But you pay on every file they bring, a marketplace borrower compares other lenders, and RBI holds you responsible for your partners’ conduct. Your own ads build borrowers only you get. Use both, and compare both on cost per disbursal.

Two parts, on separate lines, as with any bank marketing agency. Your media budget goes from your own ad accounts straight to Google and Meta; our management fee depends on the number of loan products and branches, the districts and languages, creative volume, and whether the LOS tracking and WhatsApp flows need building. We price it on a call, after looking at your current numbers.

We make the ad creatives, Reels, landing pages and WhatsApp messages for each loan product. Your compliance team approves every creative before it runs: the rate, fees and lender name shown, no false urgency or hidden charges, and the right disclosures for Google. We keep a record of each approved version, so an audit finds the ad and its sign-off together.

Leads usually start in the first week a campaign is live, and files log in within days when the documents follow-up works. Disbursals then run on your own turnaround time: a gold loan can disburse the same day, a loan against property takes far longer. We don’t promise a date; we report files, sanctions and disbursals every Monday.

Not yet with a lender of your kind. Our closest work sits next door: Anton Mortgage, a mortgage broker in Canada selling home loans (website, lead generation, WhatsApp and SEO), and a gold savings scheme film for Thangam Jewels. What carries over is the system on this page. The first two weeks audit your current leads and files, before any ad spend.

Today, the Digital Lending Directions, 2025 require a Key Fact Statement with the APR before the loan is signed, and bar presenting RBI’s app list as approval. From 1 January 2027, the banks’ and NBFCs’ conduct directions add clear, factual ads with rates and fees, no dark patterns, explicit consent and calling hours.

Yes, with the paperwork done first. Google requires every financial services advertiser in India to be verified with its regulator, and its personal loan policy asks for the repayment period, maximum APR and a worked example. Meta’s audience limits for financial ads apply in the US, Canada and Europe; for India they are optional, so branch radius and lookalikes still work.

Only what the match needs: a hashed phone number or email and the event, such as logged in or disbursed. Never the loan amount, income or credit report. Customer lists are used only for borrowers who agreed to hear from you, under your consent policy and India’s DPDP Act, 2023. Your compliance team signs off the setup before anything is sent.