GroMo

What is GroMo?

GroMo is an Indian fintech app that lets individuals earn money by selling financial products like credit cards, loans, and savings accounts. Users register as GroMo Partners for free and earn commissions on every successful sale they complete. The app provides marketing tools, a personal website link, and product listings to help partners find customers. Partners are ranked across levels — Gold, Platinum, and Elite — with higher levels unlocking better rewards. GroMo also has a referral program where existing partners earn up to ₹10,000 for every new partner they invite who makes a sale.

What is GroMo Refer and Earn?

GroMo Refer and Earn is a program that rewards existing GroMo Partners for inviting new users to join the GroMo app and complete their first sale. The GroMo referral program has two components: a base Elite Referral Program that offers up to ₹10,000 per referral across multiple milestones, and a limited-time June 2026 campaign offering an additional bonus of up to ₹1,100 per referral. Rewards are credited as scratch cards inside the GroMo app.

What is the GroMo referral code?

The GroMo referral code MNZE8179 can be entered during signup on the GroMo app to link a new user to the referring partner. Using a referral code during registration ensures the referral is tracked correctly from the moment of signup. A referral code is required at the time of account creation and cannot be applied retroactively after signup is complete.

How does the GroMo referral process work?

The GroMo referral process requires an existing partner to share their referral code or link with a new user. The new user downloads the GroMo app, signs up using the referral code, and then completes a qualifying sale within 30 days of joining. Once the referred user fulfils all KPIs for the product sold, the referring partner becomes eligible to receive the referral reward as a scratch card.

Who is eligible to participate in the GroMo Refer and Earn program?

Any active registered GroMo Partner can participate in the GroMo Refer and Earn program. The referring partner must share their unique referral link or code with people who are not already registered on GroMo. The referred person must be a new user who has not previously created a GroMo account. Referrals made to immediate family members are not eligible for any referral reward under GroMo’s referral policy.

What are the rewards in the GroMo Elite Referral Program?

The GroMo Elite Referral Program offers up to ₹10,000 per referral across four milestone stages. A referring partner earns ₹100 when the referred user completes their first customer sale within 7 days of signup. An additional ₹1,000 is earned when the referral reaches Gold level, ₹1,500 more when the referral reaches Platinum level, and ₹7,400 more when the referral achieves Elite GroMo Partner status. All rewards are paid as scratch cards.

How does the June 2026 GroMo GroMoRefer Now campaign work?

The GroMo GroMoRefer Now campaign runs from 1st June to 30th June 2026 and offers a tiered bonus on top of the standard Elite Referral Program. Referrals 1 through 4 earn ₹200 each (₹100 base + ₹100 bonus). Referrals 5 through 19 earn ₹500 each (₹100 base + ₹400 bonus). From the 20th referral onwards up to the 30th, each referral earns ₹1,100 (₹100 base + ₹1,000 bonus). The campaign bonus is over and above the existing Elite rewards.

How is the payout calculated across the three campaign stages?

The GroMo June 2026 campaign uses a tiered (marginal) payout structure. Each referral is paid at the rate of the stage it falls into, not at the highest stage reached. The first four successful referrals pay ₹200 each. The 5th through 19th referrals pay ₹500 each. From the 20th referral onwards, each referral pays ₹1,100. Reaching a higher stage does not change the payout of referrals that were already counted at a lower stage.

Is there a cap on the number of referrals eligible in the June 2026 campaign?

The GroMo GroMoRefer Now campaign applies the campaign bonus rate up to the 30th successful referral only. From the 31st referral onwards during the campaign period, the referring partner continues to earn under the standard GroMo referral policy at ₹100 per successful referral. The campaign bonus of ₹100, ₹400, or ₹1,000 per referral applies only within the first 30 eligible referrals made between 1st and 30th June 2026.

What counts as a successful referral in GroMo?

A successful referral in GroMo is defined as a new user who joins through a referring partner’s code and completes at least one qualifying sale within 30 days of their signup date. For products with multiple KPIs — such as account opening followed by account funding — all KPIs must be met before the referral is counted. The referral is credited only after every required condition for the product is fulfilled.

What types of sales do not count towards GroMo referral rewards?

The GroMo referral program excludes several sale types from counting as qualifying referrals. Self-sales (sales made by the referring partner to themselves) are not eligible. Sales made to other existing GroMo Partners are also excluded. Sales in the Instant Deals product category are not counted in the June 2026 campaign. Additionally, sales in categories explicitly excluded by GroMo’s policy do not count toward any milestone in the Elite Referral Program.

How are GroMo referral rewards paid out?

GroMo referral rewards are paid as scratch cards inside the GroMo app. The first ₹100 reward for a referral completing their first sale is an unlocked scratch card and is available immediately upon eligibility. Rewards tied to the referral reaching Gold, Platinum, or Elite levels are locked scratch cards that unlock only when all conditions are met — including the referring partner being at Gold level or above and the referred user having earned at least ₹5,000 from eligible sales on GroMo.

How long does it take to receive a GroMo referral scratch card?

The GroMo ₹100 first-sale reward is issued as an unlocked scratch card and is typically available in the app once the qualifying sale is verified. Locked scratch cards for milestone rewards (Gold, Platinum, Elite) unlock only after all conditions are met — including the referring partner’s own level status and the referred partner’s earnings threshold of ₹5,000. The exact processing timeline depends on when verification of each condition is completed by GroMo.

Does GroMo Refer and Earn have a KYC requirement?

The GroMo app requires KYC verification as part of the standard partner registration process. A referred user must complete their KYC before they can sell products and generate qualifying sales. Referral rewards that are linked to milestone levels (Gold, Platinum, Elite) also require the referring partner to maintain a verified account in good standing. KYC completion is a prerequisite for both referring and referred partners to access and redeem scratch card rewards.

How can a GroMo partner track their referrals?

GroMo partners can track referral status through the Refer and Earn section of the GroMo Android app. The section displays referred users, their current status, and qualifying sale progress. Tracking in-app is the recommended method to verify whether a referred user has completed their first sale within the 30-day window. GroMo does not currently offer a web-based dashboard for referral tracking outside the app.

What happens if a referred user does not sell within 30 days of joining GroMo?

If a referred user fails to complete at least one qualifying sale within 30 days of their signup date, the referral does not count as successful. The referring partner does not receive any reward for that referral. The 30-day window begins from the date the referred user registers on GroMo using the referral code. There is no extension to this window, and sales completed after the 30-day period are not considered for the referral reward.

Can an existing GroMo user be referred again by a different partner?

An existing GroMo Partner cannot be referred again and does not count as a valid referral. The GroMo referral program is only valid for new users who are not already registered on the platform. Sales made to other existing GroMo Partners by the referred user do not qualify for any reward. Only end customers and genuinely new GroMo signups are eligible under the referral policy.

What is the rule on self-referrals in GroMo?

Self-referral is not permitted under the GroMo Refer and Earn policy. If a GroMo partner registers another account and makes a sale to themselves, the first-sale referral reward will not be credited. GroMo’s policy explicitly excludes self-sales as qualifying actions. Attempting to manipulate the referral system through self-referrals may be treated as a violation of the terms of use, which could result in account suspension and clawback of all prior earnings.

What actions can lead to account suspension under GroMo’s referral program?

GroMo reserves the right to suspend a partner’s account and claw back all past, current, and future earnings in cases of wilful misconduct, gross negligence, fraud, or any other policy violation. Specific triggers include charging money from customers, indecent behaviour toward GroMo employees or contractors, generating customer complaints, and any form of referral fraud. In such cases, GroMo may recover all earnings including scratch card rewards credited from the referral program.

Is the GroMo Refer and Earn program available across all of India?

The GroMo app operates across India and the Refer and Earn program is available to all registered GroMo Partners in the country. Regional availability is subject to GroMo’s standard terms and the availability of financial products in a particular location. Certain product categories may not be available in all states, which can affect whether a referral’s sale qualifies for the reward depending on the product sold.

Can GroMo change or discontinue the referral program without notice?

GroMo reserves the right to change the reward amounts, modify terms, or discontinue the referral program at any time without prior written notice. This applies to both the standard Elite Referral Program and any limited-time campaigns such as the June 2026 GroMoRefer Now campaign. Partners are advised to review the Refer and Earn section in the GroMo Android app regularly to stay updated on the latest referral policy and reward structure.

How can a GroMo partner contact support for missing referral rewards?

GroMo partners can raise issues related to missing referral rewards through the help or support section inside the GroMo app. The app includes a help icon on the main screen. Partners should check the Refer and Earn section first to verify the status of their referrals before escalating. If a reward appears eligible but has not been credited, partners should use the in-app support or contact GroMo through official communication channels listed within the app.

Are there any other similar apps like GroMo that can help me sell financial products and earn money?

A: Yes, there are several other similar apps available in the market that can help you sell financial products and earn money. Some of the popular ones include BankSathi, ZET, and CreditCode. These apps offer a range of financial products like creditcard, loans, insurance policies, mutual funds, and stocks, and provide an easy-to-use platform to buy and sell these products. They also offer various features like investment recommendations, portfolio tracking, and easy payment options to make the whole process of investing and earning money hassle-free.