Tuition, without the upfront fee

₹0 upfront. Pay only if we place you.

The Income Share Agreement lets you join either Fellowship track without paying the ₹2,00,000 + GST fee. You pay a share of your income later, and only if we secure you a job that pays above ₹5 LPA. It is not a loan, it carries no interest, and it has a hard cap.

Try the calculator Apply for Cohort 03

Key termsBoth tracks

Upfront payment₹0

Income threshold₹5,00,000 a year (₹41,667 a month)

ISA rate10% of gross monthly income, plus GST

Maximum term24 payment months

Payment cap₹4,00,000 in total (excl. GST)

Applies toJobs secured through Engagetal

Interest or penaltiesNone

Cooling-off period14 days after signing

How it works

Four steps, and three of them cost nothing.

01 · Sign

Choose the ISA at enrolment

We walk you through every clause. You then have 14 days to change your mind and cancel, owing nothing.

02 · Train

Complete the Fellowship

Four months, part-time. No payments, no reporting, nothing due while you study.

03 · Get placed

We secure you a role

Through interviews we facilitate, referrals we make or introductions through our network, during the Fellowship.

04 · Pay back

10% while you earn above ₹5 LPA

From the month after your first qualifying salary, due by the last business day of the following month.

Calculator

What would you pay?

Move the slider to your expected annual CTC (fixed pay only). The calculation follows the agreement: 10% of gross monthly income, plus 18% GST, for up to 24 payment months, capped at ₹4,00,000.

Expected fixed annual CTC

₹15 LPA

₹3 LPA₹5 LPA threshold₹60 LPA

Illustrative only, not a quote or a promise of any salary. Gross monthly income excludes variable pay, bonuses, reimbursements, stock options and employer PF contributions. The signed agreement always governs.

Above the threshold: payments active

Gross monthly income₹1,25,000

ISA payment (10%)₹12,500

GST on ISA (18%)₹2,250

You pay each month₹14,750

How long payments last24 months

Total ISA paid₹3,00,000 + GST

Payments pause automatically in any month your income is at or below ₹41,667, and paused months do not count towards the 24.

When you owe nothing

Most of the agreement is about when you don't pay.

₹0

We don't place you

If we cannot secure you a qualifying job during the Fellowship period, the agreement ends and you owe nothing.

₹0

You find a job yourself

A job you secure entirely on your own, with no involvement from us, carries no ISA payments.

₹0

You stay with your employer

If you are already employed and stay with that employer, including promotions there, that income is exempt.

₹0

You cancel within 14 days

Change your mind within 14 days of signing and the agreement is void, regardless of any placement activity.

₹0

You withdraw before an offer

If you leave after the cooling-off period but before we have secured an offer for you, you owe nothing.

₹0

You earn ₹5 LPA or less

Any month at or below the threshold is paused, whatever the reason: job loss, leave, a career change.

₹0

After 24 payment months

The agreement ends after 24 payment months, even if you have paid less than the cap.

₹0

After ₹4,00,000

Once your ISA payments reach ₹4,00,000 (excluding GST), the agreement ends immediately.

What counts as income

Fixed pay only. Nothing variable.

The ISA uses your gross monthly income from qualifying employment: salaried or contract employment with a third-party employer, in India or abroad, that came through our placement efforts.

Included

Basic salary
Fixed allowances
Other fixed, recurring monetary pay in your CTC

Excluded

Variable pay, incentives and bonuses
Reimbursements
Stock options and equity
Employer PF contributions
Freelance, consulting or business income

Worked example

A ₹15 LPA role, end to end.

This is the illustration in the agreement itself. It is an example, not a representation of the salary you will earn.

If you later leave that job, or are laid off, and find a new one entirely on your own, payments on the new income stop. Payments already made are not refunded.

Fixed CTC after the Fellowship	₹15,00,000 a year
Gross monthly income	₹1,25,000
Above the ₹41,667 threshold?	Yes, payments active
Monthly ISA payment (10%)	₹12,500 + ₹2,250 GST = ₹14,750
Months to reach the ₹4,00,000 cap	32 months
Does the 24-month window end first?	Yes, payments stop after 24 months
Total ISA paid	₹3,00,000 (plus GST)
Owed after 24 months	Nothing

Your protections

Written to be fair, and to stay fair.

Not a loan

No debt, no credit product, no interest and no effect on your credit history. Your total liability is limited to the cap.

Not an employment bond

You are free to work for any employer you choose, to change jobs, and to leave the programme.

No penalties

No late fees, no penalty interest and no default charges, ever.

You control payments

You pay by bank transfer or UPI. No post-dated cheques or auto-debits without your written consent. Receipts within five business days.

Your data stays private

Income and payment records are confidential and never shared with employers without your separate written consent.

Fair disputes

Good-faith discussion first, then mediation, then arbitration seated in New Delhi. You can prepay at any time.

ISA FAQ

The questions people actually ask.

What does "placed by Engagetal" mean exactly?

Employment that came from interviews we facilitated, referrals we provided, introductions made through our network, or other direct placement help, during the Fellowship period. If you were in an active interview process we introduced when you left the programme, and that employer later hires you, the ISA applies to that job.

When is the first payment due?

Payments start in the calendar month after you first receive qualifying income above the threshold. Each month's payment is due by the last business day of the following month, so income received in April is due by the end of May.

How do you know what I earn?

You tell us within 15 days of starting a qualifying job and send a short monthly income report while payments are active. We may ask for payslips, Form 16 or ITR at most once a year to verify. Overpayments are refunded within 30 days.

Can I pay it off early?

Yes. Voluntary prepayments reduce the remaining amount rupee for rupee, and the agreement ends when the total reaches the cap.

Is the ISA cheaper than paying upfront?

It depends on your outcome. If we don't place you, it costs nothing. If we place you at a high salary, you could pay up to ₹4,00,000 plus GST over time, more than the ₹2,36,000 upfront fee. That difference is the price of us carrying the risk. Use the calculator, and choose the option that suits you.

Can I read the full agreement before applying?

Yes. Email us and we will send the current agreement. You are encouraged to take independent legal advice, and we will always give you reasonable time to review it.

This page is a plain-language summary of the Engagetal Fellowship Income Share Agreement offered by Engagetal Solutions (OPC) Private Limited. It is not legal or financial advice. If anything here differs from the signed agreement, the agreement prevails. The agreement is governed by the laws of India.

Cohort 03 · starts 26 October 2026

Four months from now, you could be interviewing at a different level.

Part-time and fully remote, so you keep your job while you train. Pay ₹0 upfront with the Income Share Agreement, and nothing at all unless we place you.

Apply for Cohort 03 How the ISA works