Setu Saathi Training
How You'll Earn

Why Learn This? — Earnings = Motivation + Impact

It's Not Just About Money — It's About Change

Becoming a Setu Saathi isn't just about earning. Every ₹5 you earn means one more person has joined the digital economy. One more village artisan can now sell their goods online. One more farmer can get a fair price for their produce.

"You earn and the village grows — both happen together."

This is what sets Setu Saathi apart from other "earn from phone" schemes. Here, the earnings are real, the impact is real, and the growth path is clear.

Understanding Your Earnings = Understanding Your Impact

When you open your Dashboard and see "₹25,000 worth of sales happened from my listings this month" — you'll realize that you created ₹25,000 worth of economic activity in your village.

Earlier, that ₹25,000 was going out — to city shopkeepers, to middlemen. Now that money stays in the village. And 5% of it goes straight into your pocket.

3 Types of Value You Create

1. User Value: Every new user gets access to a new marketplace — for both buying and selling
2. Community Value: More users means more variety — the entire area's economy gets connected
3. Personal Value: You become a recognized community leader — someone people look up to as a "digital expert"

What Will You Learn in This Module?

In this complete Module, we'll cover:

• Where your earnings come from (complete breakdown)
• How much you can earn — with real numbers
• How to check your Dashboard — track your earnings
• How to withdraw money — Bank / UPI
• 10 proven tips to boost your earnings
• Tax basics — don't worry, it's all straightforward
• Growth path — from Saathi to Champion, Champion to Leader
• Real earning stories — for motivation

Earning Structure — The Complete Breakdown

Where Do Your Earnings Come From?

Setu Saathi earnings come from 3 main sources. Each source is different, and together they build a strong income:

Source 1: User Onboarding Bonus — ₹5 per New User

When a new user joins KaryoSetu through you and creates their first listing or makes their first purchase, you earn ₹5.

Source 2: Listing Creation Bonus — ₹5 per Listing (first time)

When you create the first listing for a new user, you earn an additional ₹5. This means by creating a listing for a new user, you can earn up to ₹10 (₹5 onboarding + ₹5 listing).

Source 3: Ongoing Sales Commission — 5% on Every Sale

This is the most powerful source. For every listing you've created, you earn 5% commission on every sale from that listing. And this is ongoing — as long as the listing is active, you keep earning commission!

📊 Scenario 1: Getting Started (First Month)

Let's say you bring in 10 new users per week:

₹400 — it's just the start. But wait, the commission is just kicking in...

📊 Scenario 2: Commission Kicks In (2-3 Months Later)

Your 40 users are now actively selling. Let's say monthly sales are ₹20,000:

📊 Scenario 3: Compound Growth (6 Months Later)

In 6 months, you've onboarded 200+ users. Now the monthly sales volume is much higher:

Tier 2 — Village Champion Earnings

When you move from Tier 1 to Tier 2 (Village Champion), your earning sources expand even further:

Tier 3 — District Leader Earnings

Quick Summary Table — All Earnings at a Glance

Dashboard Walkthrough — Track Your Earnings

Where to Find Your Saathi Dashboard

Open the KaryoSetu app → Tap on the "Saathi" tab in the bottom navigation → Your Saathi Dashboard will open. Here you can see all your earnings, users, listings, and performance in one place.

Earnings Tab — 4 Views

The Earnings section on your Dashboard has 4 tabs:

1. Today's Earnings

• How much you earned today — real-time updates
• Which users were onboarded today
• Which listings generated sales today
• Green color = earnings are coming in, Gray = nothing yet

2. This Week

• Total from Monday to now
• A bar chart shows which days had the highest earnings
• Compare with last week

3. This Month

• Complete breakdown for the entire month
• Onboarding bonus, listing bonus, commission — all shown separately
• Target progress bar — if you've set a target, see how close you are

4. All Time (Total Earnings)

• Total earnings since you joined
• Total users onboarded
• Total listings created
• Total commission earned

Breakdown by Type — Source of Your Earnings

The Dashboard shows a pie chart or bar that tells you:

• 🟢 Onboarding Bonus: What percentage of income came from onboarding
• 🔵 Listing Bonus: What percentage came from listing creation
• 🟡 Commission: What percentage came from ongoing sales commission

User Performance — Which Users Are Active?

In the "My Users" section, you can see:

• How many users you've onboarded
• Which users are active (regularly selling/buying)
• Which users have become inactive — follow up with them!
• Which user is generating the most commission for you

Listing Performance — Which Listings Are Selling?

The "My Listings" section shows:

• Total number of listings you've created
• Which listings are active
• How many sales each listing has generated
• Top selling listings — learn from these, create more like them

Historical Trends — Earnings Graph

The Dashboard shows a line chart that tells you:

• Daily earnings for the past 30 days
• Month-on-month growth
• Which days/weeks had high earnings, which had low
• Seasonal patterns — more sales during festivals

How to Withdraw Money — Withdrawal Process

Step-by-Step Withdrawal Process

How to Link Your Bank Account

1. Dashboard → Settings → Payment Methods
2. Tap on "Add Bank Account"
3. Enter your Account Number
4. Enter the IFSC Code (it's printed on your Passbook)
5. Account Holder Name — exactly as it appears in the bank records
6. Verify — a small amount (₹1) will be sent for verification
7. Once verified — ✅ Bank Account linked!

How to Link Your UPI ID

1. Dashboard → Settings → Payment Methods
2. Tap on "Add UPI ID"
3. Enter your UPI ID (e.g., ramesh@paytm, 9876543210@upi, sunita@ybl)
4. Verify — an OTP will be sent to the linked mobile number
5. Enter the OTP → ✅ UPI linked!

What If a Withdrawal Fails?

Sometimes a withdrawal can fail. Don't worry — the money goes back to your available balance. Common reasons:

Withdrawal History

In Dashboard → Earnings → "Withdrawal History" tab, you can see:

• All past withdrawals — date, amount, method
• Status: Pending / Processing / Completed / Failed
• Transaction ID — in case you need to verify with the bank

Tips to Boost Your Earnings — Maximize Your Earnings

10 Proven Tips — Tested by Real Saathis

These tips might sound simple, but if you follow them regularly, your income can grow 2-3x:

Tip 1: Focus on Sellers, Not Just Users

Many people just create users — "Bhaiya, download the app." But real earnings come from sellers. Sellers create listings, listings generate sales, and sales bring in commission.

Tip 2: Visit SHGs (Self-Help Groups) — One Visit = 10-15 Listings

Village Self-Help Groups have 10-15 women members. In one visit, you can onboard everyone and create all their listings. This is the most efficient way to do batch onboarding.

Tip 3: Create Quality Listings

A poor listing = nobody buys = no commission. A great listing = views → inquiries → sales → commission!

• Good photos: In natural light, clean background, multiple angles
• Clear description: What it is, how much, where to get it, is delivery available
• Right price: Match the market rate — not too high, not too low
• Right category: Put the listing in the correct category — so it shows up in search

Tip 4: Seasonal Pushes — Ride the Seasonal Demand

Capitalize on seasonal demand:

• Diwali: Handicrafts, diyas, sweets, gift items — create listings in October
• Harvest season: Fresh produce, organic products, bulk grains
• Wedding season: Tent/shamiyana, catering, mehndi artists, music bands
• Monsoon: Raincoats, umbrellas, waterproofing services
• Back to school: Tuition teachers, uniforms, books, stationery

Tip 5: Follow Up with Sellers

Don't create a listing and forget about it! Call your sellers once a week:

• "Bhaiya, did any orders come in?" — Help them fulfil orders
• "Need to update the price?" — Season changed, so update the price too
• "Got anything new to sell?" — Create a new listing
• "Want to change the photo?" — A fresh photo = more views

Tip 6: Teach Voice Search

Teach users how to use voice search: "Just speak — 'I need 5 kilos of potatoes'." A user who is comfortable with voice search will use the app more often = more transactions = more commission.

Tip 7: Weekend Chai-Stall Demos

Go to the village chai stall on Sunday. Give a live demo to 2-3 people. They'll get excited, their friends will watch too — batch onboarding will happen naturally.

Tip 8: Build Referral Chains

A happy user is the best marketing tool. When a user is happy (their product sold), tell them: "Bhaiya, tell your neighbour too — get their listing created by me."

One happy seller can bring 2-3 more sellers — without any extra effort from you.

Tip 9: Focus on Service Providers

Products sell once, but services get booked again and again:

• Electrician → 3-4 bookings per week
• Plumber → monthly repeat customers
• Tuition teacher → monthly fee from every student
• Tailoring → ongoing orders

From a single service provider's listing, you earn 5% commission on every booking — that's repeat income!

Tip 10: Check Your Dashboard Weekly

Every Sunday evening, spend 15 minutes on your Dashboard:

• Which type of listing sold the most? → Create more like it
• Which users are inactive? → Call them on Monday
• Is the commission going up or down? → Adjust your strategy
• Set a target for next week → Write it down, track it

Wallet & Platform Dues — Keeping Your Accounts Clear

Why Understand This? — Know the Full Flow of Money

When any transaction happens on KaryoSetu — whether you buy, sell, or book a service — the platform takes a small commission. This is called Platform Dues. This is the charge that keeps KaryoSetu running — servers, the support team, and development of new features.

"Just like an agent at the mandi takes 1-2%, KaryoSetu takes its small share — but everything is transparent."

This section is separate from Saathi earnings. It's about the general users' and sellers' wallet — found at the /wallet route in the app.

What Does the Wallet Screen Show? (Route: /wallet)

In the app, tap Profile → Wallet. The Wallet screen displays 3 main things:

1. Available Balance

• The money currently in your wallet — from sales or refunds
• You can withdraw this money or use it for your next purchase

2. Platform Dues

• The commission KaryoSetu has charged — it's shown here
• A small percentage (usually 2-5%) is deducted from every transaction as platform dues
• Dues are automatically adjusted from the sale amount — you don't have to pay separately
• If any dues are pending, they'll appear in red

3. Payment Ledger (Complete Transaction History)

• Full history of every transaction — when, how much, from whom, what
• How much commission was deducted — breakup for every sale
• How much you earned — the clear amount is shown
• You can apply filters — by date, by type (sales, purchases, dues, refunds)

How to Check Your Wallet — Step by Step

How to Clear Dues

In most cases, dues are automatically adjusted — when a sale happens, the platform keeps its share and the rest goes into your wallet. You don't have to pay anything separately.

But if you ever see pending dues (a red badge), then:

1. Look at the "Pending Dues" section on the Wallet screen
2. Tap the "Clear Dues" button
3. It will be automatically adjusted from your wallet balance
4. If your balance is low, it will adjust from the next sale

Explaining the Wallet to Users — Saathi Script

Campaigns — Offers & Rewards

Why Understand This? — Free Benefits, Spread the Word

KaryoSetu runs promotional campaigns from time to time — where both users and Saathis benefit. Cashback, zero commission, bonuses — these are campaigns designed to attract new users and keep existing users active.

"Just like Reliance JioMart or Amazon Great Sale has offers — KaryoSetu has campaigns too. The only difference is that these are for village people!"

Campaign Types — What Kinds of Offers Are There?

KaryoSetu runs 4 main types of campaigns. Understand each one well:

1. Referral Reward 🎁

What is it: When you refer a new user and they join + complete their first transaction, both of you get a reward — you and the new user.

2. First Transaction Cashback 💰

What is it: New users get cashback on their first transaction. This motivates users to try the app.

3. Zero Commission Period 🆓

What is it: For a limited time, no platform commission is charged from sellers. This means the seller keeps 100% of the sale!

4. Saathi Bonus ⭐

What is it: KaryoSetu sometimes runs special bonus campaigns for Saathis — extra onboarding bonuses, milestone rewards, and prizes for hitting weekly targets.

Where to Find Campaigns (Route: /campaigns)

How to Use Campaigns to Motivate Users

Campaigns are your most powerful tool for getting new users to join. Use these scripts:

Quick Summary — Campaign Types

Referral Screen — Invite Friends, Earn Rewards

Why Understand This? — Referrals = The Easiest Way to Earn

In the previous chapters, we talked about Referral Chains and Campaigns. But where exactly is the referral feature in the app? How do you share it? How do you track it? — you'll learn all of that in this chapter.

Every user on KaryoSetu has a unique referral link and code. When someone joins through your link and completes their first transaction, both of you get a reward.

"In the market, a shopkeeper says 'Send your friend and I'll give a discount' — here, KaryoSetu says 'Send your friend and both of you will get paid!'"

Where Is the Referral Screen? (Route: /referrals)

How to Share Your Referral Link

There are 3 ways — use whichever feels easiest:

Method 1: WhatsApp Share (Most Popular) 📱

1. Tap the WhatsApp icon on the Referral screen
2. Select a contact or choose a group
3. A message is automatically created: "Come join KaryoSetu! Join through my link — we'll both get ₹__!"
4. Press Send — done!

Method 2: SMS Share 📩

1. Tap the SMS icon on the Referral screen
2. Enter the phone number
3. The SMS will be auto-composed — just Send

Method 3: In-Person 🤝

1. Show your code on the Referral screen — e.g., RAMESH2026
2. Tell the person: "Download the app and enter this code during registration"
3. Help them with the download and setup
4. Once your code is entered — you're both linked!

How to Track Your Referrals

Scroll down on the Referral screen (/referrals) — you'll see the "My Referrals" section:

Here's What You Can See:

• Total Referred: How many people you've referred so far
• Joined: How many actually joined (downloaded + registered)
• Active: How many completed their first transaction (reward unlocked!)
• Reward Status: Next to each referral — ✅ Earned, ⏳ Pending, ❌ Expired
• Total Referral Earnings: Total amount earned from referrals to date

Saathi Referral Strategy — How to Maximize Referrals

Strategy 1: Share on Your WhatsApp Status

Post a WhatsApp Status every week with your referral link. 200+ contacts will see it — someone is bound to join!

Strategy 2: Group Messages

Share the link in village WhatsApp groups (SHG group, farmers group, school parents group) when a campaign is running.

Strategy 3: Share Your Code at the Chai Stall

While sipping chai, casually mention: "Enter this code — we'll both get paid!" Show your phone, give a live demo.

Strategy 4: Ask Satisfied Users to "Pass It On"

When a user's product sells, tell them: "Bhaiya, tell your relatives too — you'll get a referral reward as well!" A happy user = the best marketer!

Tax Basics — Do I Owe Tax on My Earnings?

Don't Panic — It's All Simple!

Many people get scared when they hear "tax." But the reality is that you don't need to worry about tax in the beginning. Let's understand:

Basic Rule: Up to ₹2.5 Lakh = Generally Tax-Free

In India, if your total annual income is less than ₹2,50,000 (two and a half lakhs), you generally don't need to pay income tax.

What Does KaryoSetu Provide?

• Annual Earnings Statement: At the end of the financial year (March), KaryoSetu will provide you a complete earnings statement
• Monthly Reports: Available for download on the Dashboard every month
• TDS (if applicable): If your earnings are very high, KaryoSetu deducts TDS — you can claim it in your ITR

What If You're Earning Significantly?

If you're earning more than ₹2.5 lakh/year (that's roughly more than ₹21,000/month), then:

1. Talk to a local CA (Chartered Accountant) — you'll find one in your town
2. File your Income Tax Return (ITR) — the CA will help, typically charges ₹500-1000
3. Keep records — download and save your KaryoSetu statements

Simple Do's and Don'ts

Growth Path — From Saathi to Champion

A Clear Roadmap — For Earning and Growing

The Setu Saathi program isn't just a side income — it's a career path. You start as a Tier 1 Saathi and grow all the way to District Leader — and even beyond.

Earning Stories — Real Earning Stories

These Stories Are Aspirational, Yet Realistic

These are real scenarios that are achievable if you put in consistent effort. Every story has something to learn:

Money-Related Doubts — Common Questions (FAQ)

The Most Frequently Asked Questions

Earning Calculator — Calculate It Yourself!

How Much Can You Earn? — Enter Your Rate, See the Numbers

Check the table below — estimated monthly and annual earnings at different onboarding rates:

Assumptions:

• Average ₹500/month in sales per user (conservative estimate)
• You also create the listing for every new user (₹5 + ₹5 = ₹10 per user)
• Commission: 5% on all sales from your listings
• Users accumulate — Month 6 includes all users from Month 1-6

Monthly Earnings — Month 1 (Just Starting)

Monthly Earnings — Month 6 (Users Accumulated)

Annual Projection (12 Months — Compound Growth)

Tier Upgrade Impact on Earnings

Set Your Personal Earning Goal

Final Motivation