Every cycle follows the same methodology. Here's exactly what happens from the moment you send us your data to the moment you receive your payout file.
Your insurer commission grids are loaded into your CaliberPO workspace at the start of each period. PI rates are captured as published by the insurer. Your retention margin is added and PO rates calculate automatically. Duplicate or conflicting rate rows are flagged before any processing begins — the rate base is clean before a single policy is touched.
A web-based tool accessible to any team member at any time inside your workspace. Select the insurer, product type, and RTO — get the exact PO rate and the premium base instantly. No spreadsheet access needed. Every lookup is logged automatically for audit. Supports Two Wheeler, Private Car, GCV, PCV, and Miscellaneous products with full sub-type and vehicle category selection.
Your sales file for the period is uploaded and processed in one batch run. CaliberPO normalises every row — RTO codes, product classifications, vehicle categories — then matches each policy to the correct rate and calculates PI and PO commission amounts. Every policy gets a clear status: Matched, Unmatched, Missing Partner, or Duplicate. Unmatched and exception rows are flagged to your coordinator immediately. Specific rows can be re-run by status after corrections — no need to reprocess the full batch.
The enriched commission file flows into payout generation. TDS is applied at the correct rate — 5% with PAN, 20% without — and GST is added for registered partners. A human approval gate runs before any payment is made: QC, senior approval, then accounts release. After bank transfer, accounts pastes UTR references and the system picks up from there. Commission statement PDFs are generated and emailed to every partner automatically on payment confirmation. GST tax invoices are generated and attached for GST-registered partners — invoice number series maintained automatically, never reused. All documents saved to your Drive under the correct period folder.
When an insurer sends their commission statement — PDF or Excel — CaliberPO reads and extracts the data automatically. A structured summary is produced and a GST tax invoice is generated from the broker to the insurer, covering the brokerage due for the period. Each insurer has a dedicated extraction profile handling their specific format, merged cells, header variations, and totals rows. GST invoice raised as CGST + SGST where broker and insurer are in the same state, IGST where different. Invoice and summary emailed to the internal SPOC for that insurer. If an insurer changes their statement format, only that insurer's profile is updated — all others unaffected.
What was calculated in Step 02 is matched against what the insurer actually paid in Step 04 — policy by policy. Every variance above your defined threshold is identified and categorised. Short payments, missing policies, and rate discrepancies are each reported separately. One reconciliation workbook per broker — one tab per insurer, independently manageable. Outstanding variances carry forward month to month until settled. Matched items retained for audit. Variance report delivered to the internal SPOC — actioning is a human step.
We collect your insurer list, partner structure, and a sample of previous statements. We map every format and set up your configuration.
We run a test cycle alongside your team's own calculation. You compare outputs and we resolve any discrepancies.
First live cycle. Your team stops doing the manual work. We deliver the file.
Every output is reviewed before delivery.
Every computation is logged and traceable.
Discrepancies are flagged, not hidden.
Unusual cases are flagged to you immediately, not processed silently.
Ready to see the process with your own data?
Book a walkthrough