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It is much more tempting for new users to try out the app's services because they can earn rewards when they join by using a referral link or code. As they explore what Navi has to offer, those who are interested in personal loans, insurance, or investment options can benefit most from this. Here are some pointers that users can remember to optimize their referral rewards with the Navi App Refer and Earn Program. First and foremost, it's critical to distribute the code or referral link to as many individuals as you can.