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Obtaining Benefits via Referrals. The referrer and the new user can both benefit when someone uses the referral link to sign up for the Navi Loan App & deposits ₹10 or more. With every successful referral, the referrer can earn up to ₹1500, and the new user gets rewarded for using the referral link to sign up. The Navi Loan App referral program offers users a straightforward & easy way to earn rewards, which makes it a compelling way for them to increase their income. Unlocking Benefits in Money.