📅 Last Verified: October 2026⚡ Status: Active Offer
Current Referral Reward & Benefits
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Direct bank credit with instant UPI settlement
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Digital gold signup bonuses with as little as ₹10 investment
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Zero hidden transaction charges on UPI transfers
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Instant home loans and health insurance marketplace
About Navi
Navi Technologies (founded by Sachin Bansal, co-founder of Flipkart) is a financial services platform offering paperless digital personal loans, health insurance, mutual funds, 24K digital gold, and zero-fee UPI payments.
Pros & Cons of Navi
✓ Advantages & Pros
Cashback rewards are sent directly to your linked UPI ID / Bank Account instantly
Extremely low qualification barrier: referee only needs to invest ₹10 in digital gold or make a ₹1 UPI payment
Backed by Sachin Bansal with high transparency and clean app UI
✕ Drawbacks & Cons
Cashback scratch card amounts vary dynamically based on promo algorithms
Digital gold sales incur small buy-sell spread margins
Who Should Choose Navi?
Users looking for the fastest direct-to-bank cash referral rewards with the lowest transaction requirement (₹10 gold purchase or ₹1 scan).
Eligibility Criteria
Resident Indian citizen aged 18+.
Valid PAN card for digital gold and loan products.
Active UPI-linked bank account for receiving rewards.
How To Claim the Offer
1
Click [REFER NOW] to download the Navi app.
2
Verify mobile number and link bank account for Navi UPI.
3
Make a first UPI payment or invest ₹10 in 24K Digital Gold.
4
Enter your UPI ID in Rewards section to claim the instant cash reward.
5
Amount is deposited into your bank account within seconds.
Note: Rewards and eligibility are determined by Navi upon successful verification. DematRefer does not guarantee reward payouts.
Terms & Conditions
Referee must download Navi through your invitation link.
Referee must make their first UPI payment or buy digital gold worth ₹10 or more.
Cash reward is transferred directly to your linked UPI ID / Bank Account instantly.
Maximum referral limits and daily caps apply per user as per Navi guidelines.
Official Website & Terms
Review official offer details and verified terms directly on the provider's portal:
Once your referee completes a qualifying transaction (e.g. ₹10 Digital Gold purchase or UPI payment), navigate to the Navi Rewards tab and enter your UPI ID for instant bank payout.
Yes, 24K Digital Gold on Navi is 99.9% pure and securely stored in insured vaults.
Referral Disclosure: Some links on DematRefer may be referral or affiliate links. We may receive a commission when eligible users complete qualifying actions through these links at no extra cost to you. Read our full Affiliate Disclosure.
Risk Disclosure: Securities investments carry market risk. Read all scheme-related documents carefully before opening an account or investing.
