A CSC Agent, also known as a Village Level Entrepreneur (VLE), is an individual authorized to provide digital services to citizens through Common Service Centers (CSC) under the Digital India initiative. CSC Agents offer government-to-citizen (G2C), business-to-citizen (B2C), and financial services in rural and semi-urban areas. So, see below csc commission chart 2025.
Factors Affecting CSC Agent Commission in 2025:
Table of Contents
The commission earned by CSC Agents (Village Level Entrepreneurs – VLEs) varies based on multiple factors. Below are the key elements that influence CSC agent earnings:
Type of Services Offered:
- Different CSC services provide different commission rates.
- Services like insurance sales, banking transactions, and government schemes typically offer higher commissions than utility bill payments.
- Some services (e.g., Aadhaar card updates) may have fixed or no commissions.
Example:
- Insurance Services: 10% – 16.5% commission on premium
- Bill Payments: 1% – 4% commission per transaction
- Banking Services (AEPS, withdrawals): ₹5 – ₹20 per transaction
Volume of Transactions:
- The more transactions an agent processes, the higher the total commission earned.
- High-performing CSC centers with daily transactions generate more income.
Example:
- A CSC agent handling 100 AEPS withdrawals per day at ₹10 per transaction earns ₹1,000 daily, while an agent handling 20 transactions earns only ₹200.
Location & Customer Demand
- Agents in urban areas may have more competition but also higher transaction volumes.
- Rural areas may have less competition, but customers may have limited digital awareness.
- The demand for services like banking, insurance, and PAN cards influences earnings.
Example:
- A rural CSC agent may process more Aadhaar and bank-related transactions, while an urban agent may process more bill payments and e-commerce transactions.
CSC Partner Banks & Service Providers
- Different banks and service providers offer different commission structures.
- Some banks may offer higher AEPS commissions, while some insurance companies may offer better sales incentives.
- CSC agents registered with multiple banks and providers can maximize their earnings.
Example:
- SBI Business Correspondents (BC) may earn different commissions than PNB or HDFC CSC banking agents.
Special Incentives & Bonuses
- The government and private companies occasionally introduce bonus commissions for CSC agents.
- Some CSC partners offer extra commissions for completing a certain number of transactions per month.
Example:
- A CSC agent who sells 50+ insurance policies in a month may get an extra 5% commission bonus.
Government Policy & Commission Updates
- Changes in government policies affect commission structures.
- Some services (e.g., Aadhaar enrollment) previously offered commissions but later became free services.
- The Digital India initiative may introduce new incentives or subsidy-based earnings.
Example:
- If the government increases AEPS commissions from ₹10 to ₹15, CSC agents automatically earn more per transaction.
Registration & Certification Status
- CSC agents with additional certifications (e.g., RAP for insurance, BC for banking) can offer more services and earn more commissions.
- CSC VLEs without proper registration may not be eligible for some commission-based services.
Example:
- A CSC agent with a RAP license can earn 10-16% commission on insurance policies, while a CSC agent without RAP certification cannot sell insurance.
Service Charges & Transaction Fees
- Some CSC services require agents to charge customers a fixed fee, which adds to their profit.
- Example: PAN Card application fees, Passport services, etc.
Example:
- A CSC agent charging ₹50 service charge per PAN card application in addition to the standard fee increases their earnings.
How to Become a CSC Agent (VLE)?
To become a CSC agent, follow these steps:
1. Eligibility Criteria:
- Must be an Indian citizen above 18 years of age.
- Should have basic computer knowledge.
- Must have a valid Aadhaar card and PAN card.
- Should have a minimum educational qualification (10th pass).
- Need to own a computer, internet connection, printer, and biometric device.
2. Registration Process:
- Go to the CSC Registration Portal – https://register.csc.gov.in/
- Click on “New VLE Registration”.
- Enter your Aadhaar number and complete the OTP verification.
- Fill in the application form with your personal, banking, and location details.
- Upload documents (ID proof, PAN, educational certificates, bank details, etc.).
- Submit the application and wait for approval (usually 7-15 days).
- Once approved, you will receive CSC credentials to log in to the Digital Seva Portal.
Services Offered by a CSC Agent:
1. Banking & Financial Services (BC Agent)
- Aadhaar-enabled payment services (AEPS)
- Cash withdrawal & deposit services
- Loan applications & approvals
- Money transfer services
- Insurance services (LIC, Star Health, PLI, etc.)
2. Government-to-Citizen (G2C) Services
- PAN card applications
- Passport services
- Birth & death certificate applications
- E-District services (varies by state)
- Ration card applications
3. Digital & Utility Services
- Electricity, water, and gas bill payments
- Mobile and DTH recharges
- E-learning and online education services
4. Insurance Services (RAP – Rural Authorized Person)
- Health, motor, and life insurance policies
- PMFBY (Pradhan Mantri Fasal Bima Yojana)
- PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana)
- PMSBY (Pradhan Mantri Suraksha Bima Yojana)
CSC Commission Chart 2025:
| Service Category | Commission (Approx.) |
|---|---|
| Aadhaar-based Transactions | ₹5 – ₹15 per transaction |
| PAN Card Registration | ₹25 – ₹50 per application |
| Passport Services | ₹100 – ₹150 per application |
| Insurance Sales | 10% – 16.5% of premium |
| Bill Payments & Recharge | 1% – 4% per transaction |
| Banking Services (BC) | ₹5 – ₹20 per transaction |
The Common Services Centers (CSC) in India continue to offer a diverse range of services, each with its commission structure for Village Level Entrepreneurs (VLEs). Below is an updated summary of the commission rates for various services:
1. Insurance Services:
CSC VLEs, registered as Rural Authorized Persons (RAPs), can offer multiple insurance products with the following commission rates:
| Insurance Product | Commission Rate |
|---|---|
| Motor Comprehensive | 15% – 17.5% of Own Damage (OD) |
| Motor Third Party | 2.5% |
| Health Insurance | 15% |
| Fire Insurance | 16.5% |
| Marine Cargo | 16.5% |
| Personal Accident | 16.5% |
| Farmer Package | 16.5% |
| Hospital Cash | 16.5% |
| Travel Insurance | 16.5% |
2. Banking Services:
VLEs acting as Business Correspondents (BCs) for various banks earn commissions on transactions such as account openings, deposits, withdrawals, and loan disbursements. Specific rates may vary depending on the bank’s policies.
3. Utility Payments:
Commissions for facilitating utility payments (electricity, water, gas) and recharges (mobile, DTH) typically range between 1% to 4%, depending on the service provider.
4. Government to Citizen (G2C) Services:
For services like PAN card applications, passport services, and various state-specific services, VLEs receive a fixed fee per transaction, which varies based on the specific service and state regulations.
5. Educational Services:
Commissions for services such as online form fillings, exam registrations, and training program enrollments vary depending on the educational institution or governing body.
Important Considerations:
-
Service Variability: Commission structures can differ based on partnerships with service providers and are subject to change.
-
Regular Updates: VLEs should regularly check the official Digital Seva Portal or contact their CSC district managers for the most current commission details.
CSC Agent Earnings Potential
CSC agents can earn between ₹10,000 – ₹50,000 per month, depending on:
- The number of services offered
- The volume of daily transactions
- The local demand for CSC services
Benefits of Becoming a CSC Agent
- Earn commissions on a wide range of services.
- Work from your own village or town.
- Provide essential digital services to citizens.
- Gain financial independence with flexible working hours.
- Get government recognition under Digital India.
Conclusion:
If you do a balance inquiry of someone through CSC Digipay, then you are not given any commission on it, so if do balance inquiry of someone, then that is your work, you do not get any money for this, so you should do maximum transaction of money and withdraw money because when you withdraw money, then at the end its remaining balance is also told, due to which you do not even need to do balance inquiry.
FAQ:
Q. How do CSC agents receive their commissions?
- Commissions are credited to the agent’s registered bank account linked to their CSC ID.
- Payments are usually processed weekly or monthly, depending on the service.
Q. Do all CSC services provide commissions?
A. No, some government services like Aadhaar updates, voter ID services, and free government schemes may not have commissions. However, banking, insurance, and bill payment services offer commissions.
Q. How can CSC agents increase their commission earnings?
Provide multiple services (banking, insurance, G2C services).
Increase daily transactions to maximize commissions.
Get certified as a RAP (insurance) or BC (banking) for additional commissions.
Stay updated with new commission structures and special incentives.
Q. Can a CSC agent earn from insurance sales?
A. Yes! If a CSC agent is a Rural Authorized Person (RAP), they can sell health, life, and motor insurance and earn a 10% – 16.5% commission on policy premiums.
Q. What is the minimum and maximum commission a CSC agent can earn?
- The minimum commission depends on the services offered, but small agents can earn ₹5,000 – ₹10,000 per month.
- Active agents offering multiple services can earn ₹30,000 – ₹50,000 per month or more.
Q. Are there any deductions or charges on commissions?
- Some commissions may have GST or TDS deductions, depending on the type of service.
- Banking commissions (like AEPS) may have a small processing fee deducted before payout.
Q. How can a CSC agent check their commission earnings?
A. CSC agents can check their commission details on the CSC Digital Seva Portal
- Log in to Digital Seva Portal.
- Go to “Commission Report” or “Transaction History”.
- View commission details for each service.
Q. Do CSC commissions change over time?
A. Yes, commissions may be updated based on government policies and service provider agreements. Agents should regularly check the CSC portal and official updates.
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