How It Works
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1. Share Your Details
Share your application link with friends. Tell them to select "Yes" on Were you referred by someone? and enter your Full Name & Phone Number.
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2. Swift Processing
Our team assists your friend in getting the fastest approval and disbursal from our 100+ partner banks and NBFCs with 0% consultation fee.
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3. Get Paid Instantly
Once the loan or account is successfully disbursed/activated, your referral reward of up to ₹1,000 is transferred directly to your UPI ID or bank.
Referral Earning Slabs
Per Approval
Personal Loans
UP TO ₹1,000
On successful sanction & disbursal of unsecured personal loans above ₹1 Lakh.
Per Approval
Business & LAP Loans
UP TO ₹1,000
On disbursal of MSME, Working Capital, Home Loan, or Loan Against Property.
Per Activation
Credit Cards & Lines
UP TO ₹500
On approved Lifetime Free / Premium credit cards or revolving digital credit lines.
Per Account
Bank & Demat Accounts
UP TO ₹250
On complete digital KYC verification of verified Savings, Current, or Demat accounts.
Frequently Asked Questions
Who can participate in the Refer & Earn program?
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Anyone can participate! Whether you are an existing customer, working professional, student, or financial agent, there are no registration charges or restrictions.
Is there any limit on how many friends I can refer?
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No! There is absolutely no upper limit. You can refer unlimited friends, relatives, and clients, and earn for every single successful loan or service approval.
How and when do I receive my referral money?
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Our verification desk matches the referrer phone number submitted on the form. Once the partner bank disburses the funds, our team calls you to confirm your UPI ID (Google Pay, PhonePe, Paytm) and transfers your reward within 24 to 48 hours.
Does the applicant have to pay any extra fees?
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Never. Swift Kred operates on a strict 0% DSA Fee policy. We never charge applicants or referrers any consultation fee.