How you earn

Commission on every sale.

Your commission is on two components: diamond/stone value and making charges. Gold is passed through at cost — you do not earn on it, and neither does Maanorah. This keeps your earnings tied to genuine added value.

Level 1 · Hissedaar
Entry tier
Quarterly volume: No Target
Diamond / Stone5%
Making charges5%
Gold—
Level 2 · Khaas Hissedaar
Growing tier
Quarterly volume: ₹5 lakh+
Diamond / Stone10%
Making charges10%
Gold—
Level 3 · Paarkhi
Expert tier
Quarterly volume: ₹15 lakh+
Diamond / Stone10%
Making charges10%
Gold—
+ TBD

Example — ₹65,000 piece

Gold ₹40,000 · Diamond ₹20,000 · Making ₹5,000

Component	Value	L1 (5%)	L2 (10%)	L3 (10%+TBD)
Gold	₹40,000	—	—	—
Diamond	₹20,000	₹1,000	₹2,000	₹2,000
Making	₹5,000	₹250	₹500	₹500
L3 bonus	—	—	—	TBD
Total commission	₹65,000	₹1,250	₹2,500	₹2500+

Rate-locking: The commission rate on a customer's independent repeat purchases is locked at the tier you held when you first introduced them. Upgrading to a higher tier increases your commission on new customers you introduce, and on all sales you directly facilitate — not retroactively on customers already registered at a lower tier.

Your negotiating tool

Discount authority — per tier.

You can offer customers a genuine discount on diamond/stone and making components. Absorbed entirely by Maanorah. Does not reduce your commission.

L1 · Hissedaar
10%
max discount on diamond + making
L2 · Khaas Hissedaar
15%
max discount on diamond + making
L3 · Paarkhi
15%
+case-to-case
max discount on diamond + making

Two unbreakable rules:

1. Full transparency to the customer. Always show original price and discounted price. No hidden pricing.

2. Not offering the discount does not add to your commission. The discount is for the customer only.

How to offer it naturally

"I can get you a discount on this piece — specifically on the diamond and making charges. The gold price is fixed to the market rate so that stays the same. For this piece I can take [X]% off — bringing it from ₹[original] to ₹[discounted]. Would that work?"

Customer policies

Return, exchange and buyback.

Learn these precisely. A Hissedaar who answers "what if I change my mind?" instantly and accurately closes far more confidently than one who says "I'll check."

7 days

Return window

Full refund within 7 days of delivery. Piece must be unworn, original condition, all packaging and certificate intact.

Lifetime

Exchange on defects

Any manufacturing defect — prong, setting, clasp — exchanged at no cost, no time limit. Wear and tear is not a defect.

90%

Exchange value (diamonds)

Exchange toward a new piece: existing diamond valued at 90% of prevailing market rate. No expiry. Anytime.

80%

Buyback (diamonds)

Want cash instead? Maanorah buys back the diamond at 80% of prevailing market rate. Gold assessed separately at gold rates.

How to answer "will it hold value?": "Natural diamonds also give poor resale value through most jewellers — typically 30–50% of what you paid. Maanorah's buyback gives you 80% of your diamond's market value whenever you need it. And if you'd rather upgrade than sell, the 90% exchange means you keep almost all of the diamond's value and put it toward something you love more."

Policy	Applies to	Does NOT apply to
7-day return	Unworn, original condition, all tags	Worn, resized, customised pieces
Lifetime exchange (defects)	Manufacturing faults — prongs, clasps, settings	Wear and tear, accidental damage
90% exchange	Diamond value at prevailing market rate	Making charges not exchangeable
80% buyback	Diamond + gold at prevailing rates	Making charges not bought back

Updated model — v2

Customer ownership — activity-linked.

The principle

"Your customers are yours as long as you show up. The Hissedaar program rewards relationships — not registrations. An active Hissedaar keeps everything. A Hissedaar who steps back keeps nothing — but can always return."

Customers you introduce and register remain linked to you — and continue earning you commission on their purchases — while you are meeting your quarterly activity threshold. This model rewards genuine relationship-building and keeps the program financially sustainable for everyone.

You directly facilitate a sale

You introduced, showed, shared, or were any part of closing the sale. You earn your full tier commission. No activity condition, no time limit, always.

Full rate · Always

Customer buys independently — you are active

A registered customer purchases on maanorah.com with no input from you. If you are currently meeting your quarterly minimum, you earn your full commission at the rate locked when you introduced them.

Full rate · While active

You miss your quarterly minimum — twice consecutively

After two consecutive quarters below your threshold, your customer base moves to Maanorah direct. They continue to be served without disruption. When you reactivate and re-engage them personally, they return to your base. Your commission resumes on the next sale you directly facilitate or on independent purchases once you are active again.

Paused · Reinstated on return

Your customer becomes a Hissedaar

The best outcome. On the day they sign the Hissedaar agreement, their customer record transfers to Maanorah direct — your ownership severs cleanly. You receive a one-time Graduation Credit equal to your tier commission on their most recent purchase, as a thank-you for bringing a Hissedaar into the family. No ongoing income from them or their customers — this is a clean severance that keeps the program legal and ethical.

Graduation Credit · Clean severance

Four customer states in the ERP

Active ownership

Customer registered to an active Hissedaar. All independent purchases earn the Hissedaar commission at the locked rate.

Paused — Hissedaar inactive

Hissedaar has missed 2+ quarters. Customer purchases earn Maanorah directly. State reverts to Active when Hissedaar reactivates.

Maanorah direct — graduated

Customer became a Hissedaar. Original owner's commission severed. Graduation Credit paid once. Permanent Maanorah direct status.

Disputed — two associates

First logged ERP registration wins. Timestamp is the arbiter. Associates must register customers before or during the first conversation.

Rate-locking rule: The commission rate on independent repeat purchases is fixed at the tier you held when the customer was first introduced. If you were L1 when you introduced a customer and later reach L2, their independent purchases still earn at the L1 rate. All directly-facilitated sales always earn at your current tier rate.

What this means for ERP design

Phase 7 must track: (a) the tier held at time of each customer introduction, (b) the Hissedaar's active/inactive status per quarter, (c) customer ownership state transitions with timestamps, and (d) Graduation Credit events. These four states must be designed into the data model from the start — not retrofitted.