Mokama, on the Ganga in Patna district, is known for its rail and road bridge links and for the Tal lands around it, one of Bihar's important pulse-growing areas. Traders and small businesses here are used to careful accounts in seasonal cycles. For a product-based direct-selling business, payout day deserves the same care, because it is where distributor trust is won or lost. Good MLM software in Mokama makes every payout traceable, from the product order that created it to the bank transfer that settled it.
This guide explains how payouts, the e-wallet and tax reports usually work in the software. Tax rates and rules should always be confirmed with your Chartered Accountant.
How payouts work in MLM software in Mokama
From order to commission
Every commission should trace back to real product orders. When an order is placed and confirmed, its business volume (BV) flows up the tree according to your plan. At the end of a cycle, weekly, fortnightly or monthly as you decide, the software calculates each distributor's gross commission and posts it to their e-wallet as a credit, with a breakdown of source orders, levels and rates.
Holding period and returns
Many businesses keep a short holding period before commission becomes payable, often aligned with the cooling-off or return window. If a product is returned during that time, the linked BV and commission are reversed automatically, so no one is paid on a sale that did not stand.
The e-wallet ledger
Think of the e-wallet as a running passbook. Each line should show date, description, credit, debit and balance. Typical entries include commission credits, TDS deductions, any approved admin charges, reversals for returns and transfers to bank. Distributors should be able to download their statement for any period.
Payout batch and approval
- The system lists all wallets above the minimum payout amount with approved KYC.
- Accounts staff review exceptions such as missing bank details or unusual amounts.
- A second person approves the batch.
- The software generates a bank upload file or records manual transfers with reference numbers.
- Each distributor sees the payout as completed, with UTR or reference.
TDS reporting
Commission paid to distributors is generally subject to TDS under the Income-tax Act, and the applicable section, rate and threshold depend on current law and the distributor's PAN status. The software should let your CA configure the rate, apply it automatically on each payout, and produce reports by distributor, by period and by PAN, ready for return filing and for issuing TDS certificates. If PAN is missing, the system can flag the case so your accountant decides the treatment.
GST invoicing
Every product sale should carry a proper tax invoice. The software can store HSN code and GST rate per product, apply CGST and SGST or IGST based on place of supply, number invoices in sequence and produce a GST sales register for return preparation. Credit notes for returns should link back to the original invoice. Whether distributor commissions themselves attract GST depends on each distributor's registration status and current rules, so take your CA's guidance.
Month-end reports to expect
- Payout summary: gross, TDS, deductions and net paid per cycle.
- Wallet balance report: amounts still pending in wallets.
- TDS register by distributor and PAN.
- GST sales register and credit note register.
- Returns and reversals report.
- Exception report: blocked payouts, failed transfers and KYC holds.
Exports in Excel format make it easy for your accountant to reconcile the software with your bank statement and books.
Givni, with offices in Patna (Khajpura), Kolkata and Noida, designs and configures MLM software in Mokama for product-based direct-selling companies, along with websites, mobile apps, CRM and billing software. We set up your approved plan, products and reports.
Because our registered office is in Patna, our team understands how businesses in smaller Bihar towns work: many distributors use basic Android phones, prefer Hindi screens, and value quick answers on the phone. We keep that in mind while setting up panels, reports and training, so the system stays simple for your staff and distributors.
Compliance first: software for legal direct selling only
This guide is about legal, product-based direct selling. In India, direct selling is governed by the Consumer Protection (Direct Selling) Rules, 2021, and pyramid and money circulation schemes are banned, including under the Prize Chits and Money Circulation Schemes (Banning) Act, 1978. Before launch, make sure your business has:
- Genuine products at fair prices, with income coming from real product sales.
- No income from joining fees alone, and no reward simply for recruiting.
- A transparent, written compensation plan that distributors can read before joining.
- A cooling-off period, returns and refund policy.
- KYC of every direct seller before payouts.
- A grievance redressal mechanism with a named contact.
- Proper records, GST invoicing and TDS on payouts.
This is general information, not legal advice. Please consult a qualified lawyer or Chartered Accountant before finalising your plan.
हिंदी में पढ़ें: पेआउट, ई-वॉलेट और TDS/GST रिपोर्ट को आसान भाषा में समझें
मोकामा और टाल क्षेत्र के व्यापारी मौसम के हिसाब से अपना हिसाब-किताब बहुत ध्यान से रखते हैं। डायरेक्ट सेलिंग बिज़नेस में भी पेआउट का दिन उतना ही अहम होता है, क्योंकि यहीं डिस्ट्रीब्यूटरों का भरोसा बनता या टूटता है। अच्छा MLM सॉफ्टवेयर हर पेआउट को शुरू से आख़िर तक ट्रेस करने लायक़ बनाता है – किस प्रोडक्ट ऑर्डर से कमीशन बना और किस बैंक ट्रांसफ़र से भुगतान हुआ।
ऑर्डर से कमीशन तक: हर कमीशन असली प्रोडक्ट बिक्री से जुड़ा होना चाहिए। ऑर्डर कन्फ़र्म होने पर उसका BV प्लान के अनुसार ऊपर जाता है, और साइकिल के अंत में सॉफ्टवेयर कमीशन गिनकर ई-वॉलेट में जमा करता है। अगर रिटर्न की अवधि में प्रोडक्ट लौटाया गया, तो उससे जुड़ा कमीशन अपने-आप वापस हो जाता है।
ई-वॉलेट: इसे एक पासबुक की तरह समझिए। हर लाइन में तारीख़, विवरण, जमा, कटौती और बैलेंस दिखे – कमीशन, TDS, रिटर्न की वापसी और बैंक ट्रांसफ़र, सब कुछ। डिस्ट्रीब्यूटर किसी भी अवधि का स्टेटमेंट ख़ुद डाउनलोड कर सकें।
पेआउट की मंज़ूरी: सिस्टम उन वॉलेट की सूची बनाए जिनका KYC पूरा है और बैलेंस न्यूनतम सीमा से ऊपर है। अकाउंट्स टीम जाँच करे, कोई दूसरा व्यक्ति मंज़ूरी दे, फिर बैंक फ़ाइल बने और हर भुगतान का रेफ़रेंस नंबर दर्ज हो।
TDS: डिस्ट्रीब्यूटरों को दिए जाने वाले कमीशन पर आम तौर पर आयकर क़ानून के तहत TDS लागू होता है। सही धारा, दर और सीमा मौजूदा क़ानून और PAN की स्थिति पर निर्भर करती है। सॉफ्टवेयर में आपका CA दर सेट कर सकता है, और सिस्टम हर पेआउट पर अपने-आप कटौती करके PAN-वार रिपोर्ट बनाता है।
GST: हर प्रोडक्ट बिक्री का सही टैक्स इनवॉइस बने, जिसमें HSN कोड और GST दर हो। रिटर्न पर क्रेडिट नोट मूल इनवॉइस से जुड़ा रहे, और महीने के अंत में GST बिक्री रजिस्टर तैयार मिले।
याद रखें, यह सिर्फ़ सामान्य जानकारी है। टैक्स दरें और नियम बदलते रहते हैं, इसलिए अपने चार्टर्ड अकाउंटेंट से पुष्टि ज़रूर करें। यह गाइड केवल क़ानूनी, प्रोडक्ट-आधारित डायरेक्ट सेलिंग के बारे में है, जहाँ कमाई प्रोडक्ट बिक्री से होती है, किसी निवेश या जॉइनिंग फ़ीस से नहीं।
Frequently asked questions
Can we choose weekly or monthly payout cycles?
Yes. The payout cycle, minimum payout amount and holding period are configurable to match your approved plan and cash-flow needs.
Does the software deduct TDS automatically?
Yes, once your CA confirms the applicable rate and rules, the software applies TDS on each payout and produces PAN-wise reports. Filing remains your accountant's responsibility.
What if a distributor has not submitted PAN?
The system can flag the wallet and hold the payout or apply the treatment your CA specifies. It is best to complete KYC before any payout.
Can the GST sales register be exported?
Yes. GST sales and credit note registers can be exported to Excel for your accountant to use while preparing returns.
Talk to Givni about your project in Mokama
If you are planning a legal, product-based direct-selling business in Mokama, Givni can walk you through a demo and discuss your requirements. Call +91 98359 42411 or +91 94304 55055, email givniinfo@gmail.com, or send your details through our contact page.
