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Top 10 Refer & Earn Programs in India (2025) – Earn Passive Income from Home
Looking for ways to earn passive income without leaving your home? Referral programs are one of the easiest ways to make money online in India. Many apps and platforms reward you for simply inviting friends and family to join their services. Whether it's a payment app, investment platform, or shopping website, you can earn cashback, commissions, or bonuses with minimal effort.
Here's a curated list of the top 10 Refer & Earn programs in 2025 that you can join right now and start earning!
1. Paytm Refer & Win
Process:
- Referrer: Invite new or inactive users to join Paytm
- Referee: Completes their first UPI transaction
- Reward: Referrer gets ₹333 cashback; referee receives guaranteed cashback
Limit: Max 20 referrals/month and 100/year
Note: Bank account must be linked to Paytm UPI within 7 days to receive cashback
2. EarnKaro Refer & Earn
Process:
- Sign-Up Bonus: ₹30 upon registration
- Referral Reward: 10% lifetime commission on your referral network's earnings
- Minimum Withdrawal: ₹10
- Earning Potential: Up to ₹30,000/month
How to Join: Visit the EarnKaro website or app, sign up, and share your referral link
3. 5paisa Partner Program
Process:
- Sign-Up Bonus: ₹250 for opening a free Demat account
- Referral Reward: 12.5% brokerage sharing for life
Steps:
- Register and open a Demat account with 5paisa
- Upgrade to the Partner Program
- Share your unique referral link
- Earn commissions when referred users trade
4. Unstop Refer & Earn
Process:
- Referral Reward: ₹199 for every successful enrollment
Eligibility: Open to all users
How to Join: Sign up on Unstop, go to the "Refer & Earn" section, and share your referral link
5. CashKaro Refer & Earn
Process:
- Referral Reward: Earn 10% of your referral's cashback every time they shop
How to Join: Log in to your CashKaro account, go to 'Refer and Earn', and share your referral link
6. Amazon Affiliate Program
Process:
- Referral Reward: Earn commissions on qualifying purchases made via your referral links
How to Join: Sign up on the Amazon Affiliate website, generate referral links, and share them
7. Flipkart Affiliate Program
Process:
- Referral Reward: Earn commissions on sales through your referral links
How to Join: Register on the Flipkart Affiliate website, create referral links, and promote them
8. Zerodha Varsity Refer & Earn
Process:
- Referral Reward: Earn a share of the brokerage from referred clients
How to Join: Sign up on Zerodha Varsity, access the referral program, and share your referral code
9. Upstox Refer & Earn
Process:
- Referral Reward: Earn commissions from trades made by referred users
How to Join: Register on Upstox, access your referral link, and share it with potential clients
10. Groww Refer & Earn
Process:
- Referral Reward: Earn a share from mutual fund investments made by your referrals
How to Join: Sign up on Groww, go to the referral section, and share your link
Conclusion
Referral programs are a fantastic way to earn rewards and build a passive income stream. Whether you're a student, a working professional, or just someone who loves sharing helpful resources, these programs offer great incentives with minimal effort. Start referring today and watch your earnings grow!
With numerous platforms offering exciting rewards, this is the perfect time to get started. The beauty of referral programs lies in their simplicity—you can make money by just sharing a link with friends and family. The key to success is consistency. Keep promoting these programs and build a network of referrals for long-term success.