Consultant Payout Policy

Payout Policy

Effective Date: 22 April 2026

This policy explains how you receive your earnings from the eSalahKaar platform, including withdrawal procedures, timelines, TDS deductions, and bank account requirements.

1. How You Earn

1.1 For every completed Session, you receive 100% of your base rate (your per-minute rate × session duration in minutes).

1.2 The platform service fee and GST are charged separately to the User. These amounts are not deducted from your earnings.

1.3 Earnings are credited to your in-app Wallet instantly upon Session completion.

1.4 For Instant Sessions, you are paid for the actual call/chat duration, rounded up to the nearest full minute.

1.5 For Scheduled Sessions where the User is a no-show, you are paid your full base rate for the session.

2. Your Wallet

2.1 Your Wallet shows your current available balance, pending earnings, and complete transaction history.

2.2 Transaction types include: Session earnings (calls and chats), pending earnings, withdrawals, bonuses, performance rewards, compensation, and adjustments.

2.3 Wallet balance is displayed in Indian Rupees (₹).

2.4 Wallet balance does not expire.

3. Withdrawal Process

3.1 To withdraw earnings, go to Wallet → Withdraw in the App.

3.2 Enter the amount you wish to withdraw. Minimum withdrawal amount is ₹100.

3.3 You cannot withdraw more than your current available Wallet balance.

3.4 Before your first withdrawal, you must add your bank account details (account number, IFSC code, account holder name). Bank details can be added or updated from the App's Bank Details section.

3.5 Review the withdrawal summary screen which shows:

(a) Amount Requested

(b) TDS Deduction (if applicable — see Section 4)

3.6 Tap "Confirm Withdrawal" to submit your request.

4. Withdrawal Review and Processing

4.1 All withdrawal requests are reviewed by the Company before processing. This is not automatic — each request is manually verified.

4.2 Upon review, the Company will:

(a) Approve the request and transfer the funds to your registered bank account, OR

(b) Reject the request (e.g., due to incorrect bank details, suspicious activity, or pending disputes). Rejected amounts are credited back to your Wallet.

4.3 Approved withdrawals are processed via bank transfer (NEFT/IMPS/UPI). Funds are typically credited to your bank account within 2–3 business days of approval.

4.4 You will receive a push notification when your withdrawal is approved or rejected.

4.5 If a withdrawal fails due to incorrect bank details, the amount is automatically refunded to your Wallet. You will be notified to update your bank details and try again.

5. Tax Deducted at Source (TDS)

5.1 TDS is applicable under Section 194J of the Income Tax Act (fees for professional services).

5.2 TDS is not deducted from every Session earning. It is deducted only at the time of withdrawal.

5.3 TDS is enabled or disabled per Consultant profile by the Company's admin team. Not all Consultants are subject to TDS — it depends on your tax status and applicable thresholds.

5.4 If TDS is enabled for your account, the applicable TDS rate (currently 10%) is deducted from your withdrawal amount. The withdrawal summary screen will clearly show the TDS deduction before you confirm.

5.5 Example: If you request a withdrawal of ₹1,000 and TDS is enabled at 10%:

Amount Requested: ₹1,000

TDS Deduction (10%): -₹100

Amount Credited to Bank: ₹900

5.6 If TDS is not enabled for your account, the full requested amount is credited to your bank (no deduction).

5.7 The Company generates Form 16A per quarter for Consultants with TDS deductions. This can be used when filing your Income Tax Return.

5.8 You are solely responsible for your overall tax compliance, including filing income tax returns. The Company only handles TDS as required by law.

6. Bank Account Requirements

6.1 You must provide a valid Indian bank account for receiving withdrawals.

6.2 The bank account must be in your name (as registered on the App). Third-party accounts are not accepted.

6.3 Required details: Account holder name, account number, IFSC code, and bank name.

6.4 You can update your bank details at any time from the App. Updated details will apply to future withdrawal requests.

6.5 The Company is not responsible for failed transfers due to incorrect bank details provided by you.

7. Bonuses and Rewards

7.1 The Company may, at its sole discretion, offer bonuses such as welcome bonuses, performance rewards, or compensation credits.

7.2 Bonus amounts are credited directly to your Wallet and can be withdrawn subject to the same withdrawal process.

7.3 Bonus programs may be modified or discontinued at any time without prior notice.

8. Account Deletion and Remaining Balance

8.1 Before requesting account deletion, you must withdraw all available Wallet balance.

8.2 If your account is terminated by the Company due to Terms or Code of Conduct violations, the Company reserves the right to forfeit remaining Wallet balance at its discretion, depending on the nature of the violation.

9. Important Notes

Earnings are not salary. You are an independent service provider, not an employee of the Company. Earnings from the platform are professional income and must be declared in your Income Tax Return accordingly.

The Company is not a financial institution. The in-app Wallet is a convenience feature for managing platform earnings. It is not a bank account, deposit account, or payment instrument regulated by the RBI.

10. Contact

Email: support@esalahkaar.com
WhatsApp: +91 9005006426
In-App: Profile → Support → Raise a Ticket