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Blance Refer and Earn

Blance

Financial

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Join Blance Refer and Earn program using the Blance referral code 37EE989E76, and you and your friend will each earn Rs. 200. Additionally, enjoy a lifetime earning of 1% on your friend's investments in Blance.

Q: What is Blance, and how does it work?

A: Blance is a goal-based saving and credit fintech startup based in Bengaluru, India. It provides a platform for young adults to plan their purchases in advance, offering a seamless and innovative approach to financial wellness. Users can set specific savings goals, earn discounts, and achieve financial independence.


Q: Why should I choose Blance over other financial platforms?

A: Blance stands out for several reasons:

  • Discounts and Savings: Users can save for upcoming purchases and enjoy discounts of up to 25%.

  • Flexibility: There are no commitments; users can switch brands and still earn a guaranteed 10% fixed interest.

  • Trusted Partnerships: Blance has partnered with RBI-regulated NBFCs, ensuring financial security and recognition by StartUp India.

  • Data Security & Privacy: Strict measures are taken to secure user data and privacy.


Q: What is the mission of Blance?

A: Blance's mission is to empower users to find the perfect balance between savings, credit, and rewards. It serves as a catalyst for financial success, driving financial independence and personal growth.


Q: How does the Blance Refer and Earn program work?

Answer: The Blance Refer and Earn program allows users to share their unique referral link with friends. When a friend installs Blance using the link and invests in their plan, the referrer receives 1% of the total investment value on plan maturity with brand subvention. Additionally, both the referrer and the friend receive Rs 200 each, provided in Blance coins where 1 coin equals 1 INR.

Q: What rewards or benefits can I earn through the Blance Refer and Earn program?

A: Referrers can earn up to 1% of the total investment value from their friend's goal. Both the referrer and the friend receive Rs 200 each in Blance coins, where 1 coin equals INR 1.


Q: What is referral code for Blance?

A: Blance referral code is 37EE989E76.



How to get started with Blance?
How to get started with Blance?


Q: Is there a limit to the number of referrals I can make through the Blance Refer and Earn program?

A: No, there is no specified limit to the number of referrals you can make through the Blance Refer and Earn program.


Q: When will I receive my referral rewards in the Blance Refer and Earn program?

A: You will receive the referral rewards once your referred friend's plan matures completely, and they use the brand. The referrer will also receive Rs 200 when the referee activates the goal. Rewards will be given in Blance coins, where 1 coin equals INR 1.


Q: Can I promote Blance Earn on social media and other platforms as part of the Blance Refer and Earn program?

A: Yes, you can promote Blance Earn on various platforms, including social media, blogs, and websites, using your unique affiliate link as part of the Blance Refer and Earn program.


Q: Under what conditions do Blance coins get canceled or vanish in the Blance Refer and Earn program?

A: If your friend cancels the plan midway or withdraws the amount without availing any brands, then the coins that were supposed to be credited to your wallet will be canceled.


Q: How can I earn specific rewards through the Blance Refer and Earn program, such as an Electric Scooter or Holidays Package?

A: You can earn specific rewards through Blance Refer and Earn, such as an Electric Scooter on earning 3L coins, Holidays Package on earning 1.5L coin, Smart Television on earning 60K coins, Smart Phone on earning 25K coins, Headphone on earning 10K coins, and Blance brand kit on earning 2K coins.


Q: Can I track the status of my referred friends' goals in the Blance Refer and Earn program?

A: Yes, you can track the status of your referred friends' goals, and you will receive your rewards once their plans mature completely and they use the brand.


Q: Is the Blance Refer and Earn program available only for specific investment plans?

A: The Blance Refer and Earn program is applicable to all investment plans where the referred friend invests and activates their goal.


Q: How can I share my Blance referral code with friends and family?

A: You can easily share your Blance referral code by sending your unique referral link through messaging apps, social media, or by directly sharing the code with friends and family.


Q: Are there any promotional materials provided by Blance for users participating in the Refer and Earn program?

A: Blance provides users with promotional materials, including the unique referral link, to facilitate easy sharing on various platforms as part of the Refer and Earn program.


Q: Can I combine Blance Refer and Earn rewards with other ongoing promotions?

A: The Blance Refer and Earn rewards can typically be combined with other ongoing promotions. However, it's recommended to check the terms and conditions for specific details on reward combination.


Q: What happens if my referred friend cancels their plan after activating the goal in the Blance Refer and Earn program?

A: If your referred friend cancels the plan after activating the goal, the coins that were supposed to be credited to your wallet may be canceled.


Q: How can I redeem the Blance coins earned through the Refer and Earn program?

A: Blance coins earned through the Refer and Earn program can be redeemed for various rewards, such as an Electric Scooter, Holidays Package, Smart Television, Smart Phone, Headphone, or Blance brand kit, as per the specified coin thresholds.


Q: Are there any additional perks or bonuses for consistently referring friends through the Blance Refer and Earn program?

A: Blance may introduce additional perks or bonuses for users consistently referring friends through the Refer and Earn program. Users are encouraged to stay updated on the Blance app or website for any new announcements or promotions.


Q: How does Blance help achieve financial independence?

A: Blance achieves financial independence by providing a balanced approach to savings, credit, and rewards. Users can save for goals, earn interest, and enjoy discounts on purchases, ensuring a holistic financial strategy.


Q: What is Blance Earn, and how can I benefit from it?

A: Blance Earn allows users to earn through referrals. By referring others to Blance, users can unlock rewards and enhance their financial well-being.


Q: How can I use Blance to save for a specific goal, such as buying a bike?

A: To save for a specific goal like buying a bike, users can follow these steps:

  1. Download the Blance app, register, and create an account.

  2. Choose the goal category (e.g., Bike) and customize details like the bike model.

  3. Set the savings amount, goal tenure, and review monthly installments.

  4. Complete Know Your Customer (KYC) verification.

  5. Set up autopay for automatic monthly deductions.

  6. Track progress and receive regular updates on the goal.


Q: How are gift cards provided at a discounted price by Blance?

A: Blance provides gift cards at a discounted price by recording the promotional cash incentive portion as a reduction in the transaction price. For instance, if a ₹100 gift card is sold for ₹80, Blance considers ₹20 as the promotion's cash incentive.


Q: Where is my money being invested with Blance?

A: User funds are invested in a P2P-NBFC lending platform certified by the Reserve Bank of India (RBI). The lending partner, Lendbox, facilitates this investment through their product called "Per Annum," offering low-risk and stable interest generation options.


Q: Is my deposited money safe with Blance?

A: Yes, Blance prioritizes the safety of investments. Robust safety measures, borrower verification, and diversification across multiple credible accounts ensure the security of deposited funds. The lending partner is audited by RBI, providing an additional layer of safety.


Q: How does Blance combine brand discounts and interest generated through savings to provide discounts?

A: Blance combines brand discounts, interest earned from savings, and P2P lending to offer discounts. User savings are transferred to a P2P NBFC platform regulated by RBI, which lends the money to borrowers. The interest earned is collected and transferred back to Blance users, ensuring safety and oversight by the RBI.


Q: What is Blance's track record in terms of returns on investments?

A: To date, 100% of Blance users who have invested have earned returns on their investments. The lending partner follows robust credit assessment policies, minimizing risks and ensuring users can invest with confidence.


Q: Can I trust Blance with my personal and financial information?

A: Absolutely. Blance employs industry-standard encryption and security measures to protect user data. Partnered with LendBox, an RBI-regulated P2P NBFC platform, Blance ensures the safety and privacy of personal and financial information. Users can monitor their savings through the Blance track page.


Q: How does Blance provide discounts on favorite brands, and what role do partner brands play in this process?

A: Blance offers discounts on favorite brands by combining brand discounts and interest generated through savings. Partner brands and Brand Gift Card Aggregator Partners contribute to the brand discount, making it a collaborative effort to provide users with attractive savings.


Q: What exactly is the role of the Reserve Bank of India (RBI) in ensuring the safety of investments with Blance?

A: RBI regulates and certifies the P2P-NBFC lending platform, ensuring that it adheres to financial regulations and conducts secure lending practices. This regulatory oversight adds an extra layer of confidence and safety for users investing through Blance.


Q: Can I customize my savings goals on Blance, and are there specific categories available for goal-setting?

A: Yes, users have the flexibility to customize savings goals on Blance. You can choose from various goal categories such as Bike, and within each category, there are options to customize further, such as selecting the specific bike model.


Q: How does the Blance app keep users informed about their savings goals and progress?

A: Users receive regular updates on their savings goals through the Blance app. Progress tracking and notifications ensure that users stay informed about the status of their goals, making it easy to monitor and adjust their financial plans as needed.


Q: What are the steps involved in the Know Your Customer (KYC) verification process with Blance?

A: The KYC process may include submitting PAN and Aadhar documents along with personal information. This verification step is crucial for ensuring the security and legitimacy of user accounts and transactions on the Blance platform.


Q: Can I withdraw my savings or cancel a goal on Blance, and what happens in such scenarios?

A: Blance believes in providing flexibility to users. While you can cancel a goal anytime, the platform ensures that you still earn a guaranteed 10% fixed interest. Withdrawal options may vary, and users should refer to the terms and conditions for specific details on canceling goals and withdrawing savings.


Q: How does Blance ensure that my savings are diversified and minimize risks in the investment process?

A: Blance's lending partner, Lendbox, implements robust credit assessment policies to minimize risks. User investments are diversified across multiple credible accounts, providing a balanced and secure approach to investing.


Q: What happens if I miss a monthly installment, and how can I ensure timely payments?

A: Blance provides users with the option to set up autopay, linking their UPI ID to ensure automatic monthly deductions. This feature helps in avoiding missed installments and ensures a seamless savings experience. It is essential to maintain a sufficient balance in the linked UPI ID for timely payments.


Q: How can I track the returns on my investments and monitor the performance of my savings on Blance?

A: Users can monitor their savings and returns by visiting their Blance track page. The platform provides transparency, allowing users to keep track of their investments and observe the growth of their money over time.

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