Every Commission. Every Incentive. One Governed Platform.
Mozart ICM manages the complete compensation and incentive lifecycle - commission plans, contest management, payout disbursement, and seller earnings visibility - on a single rules-driven platform aligned to regulatory requirements on commission structures and TDS.
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Three Gaps. One Commission Platform.
Manual processes, inconsistent rule application, and poor seller visibility create leakage, disputes, and audit exposure across every payout cycle.
Offline spreadsheets and fragmented tools create inaccuracies and reconciliation overhead every cycle.
Rules-based computation with a real double-entry subledger eliminates manual errors and agent disputes.
Overrides and adjustments are processed without structured approvals, increasing fraud risk and audit exposure.
Maker-checker on every commission change; out-of-band edits are system-blocked across 13 configuration tables.
Without a real-time earnings view, sellers raise repeated queries that burden operations and damage trust.
Real-time earnings dashboard and policy-level statement give sellers a clear view of what they have earned and why.
Core Capabilities of Mozart ICM
FYC, RYC, override, persistency bonus, and clawback configured per product, channel, and role.
Commission cap rows by LOB, plan category, premium mode, and PPT band - enforced automatically.
Contests configured by KPI, scope, and period; winnings post to the same double-entry ledger as commission.
Append-only, bitemporal ledger with per-rupee traceability back to the policy and rule version.
Maker-checker on every configuration change; unauthorised edits blocked and logged outright.
Run any hypothetical policy through the production engine with zero ledger writes before activating a rule.
Purpose-built For the Full Complexity of Insurance Compensation
Commission structures and workflows set up through admin, no development needed.
No-code rule builder
Versioned plans with effective dating
Scheme wizard with maker-checker
ready
Each channel runs its own commission structure, payout cycle, and payment instrument.
Agency, Banca, Broker, POSP
Parallel payout cycles
Per-channel rate card management
Commission caps, TDS requirements, and deduction governance handled at the platform level.
Configurable EOM cap enforcement
Full TDS payee profiles
Lower-deduction certificate
handling
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Get answers to common questions
Find solutions to frequently asked questions regarding
Mozart ICM
Yes. Commission structures, contests, and workflows are configured through an admin panel using a no-code rule builder — every version is retained with author metadata and a diff, with no engineering involvement required.
Clawbacks are processed as appended reversal entries chained to the accrual they reverse — the original records remain untouched for audit purposes.
The commission chain is frozen at accrual — override hops and edge windows are preserved at that moment, so later structure changes cannot restate commission already earned.
The what-if estimator runs any hypothetical policy through the identical production engine with zero ledger writes — rules are validated before activation, not after.
13 configuration tables reject unauthorised changes outright, logging the login, host, application, and before/after state for every attempted modification.