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MobiKwik Xtra Refer and Earn

MobiKwik Xtra


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Join the MobiKwik Xtra referral program with MobiKwik Xtra referral code FUCT6S. You'll get ₹100 and 10% of their earnings when they invest at least ₹5000 in Flexi.

Q: What is MobiKwik Xtra?

A: MobiKwik Xtra is an investment product launched by MobiKwik in partnership with Transactree Technologies Pvt Ltd, offering investors the opportunity to earn up to 12% p.a. interest by lending directly to creditworthy borrowers through an RBI-regulated peer-to-peer investing platform.

Q: How does P2P Lending work in the context of MobiKwik Xtra?

A: P2P Lending allows participants to lend and borrow money directly, bypassing traditional banks. In MobiKwik Xtra, investors can lend small amounts starting from Rs 1000 to multiple borrowers, diversifying risk and earning interest income from borrowers.

Q: What is the MobiKwik Xtra Refer and Earn program?

The MobiKwik Xtra Refer and Earn program allows you to earn cashback by sharing your MobiKwik Xtra referral code or link with friends. When a friend applies your referral code and invests ₹5,000 in MobiKwik Xtra Flexi, staying invested for 7 days, you earn ₹100 cashback. Additionally, you receive 10% of their daily earnings every month.

Q: How can I share my MobiKwik Xtra referral code or link?

You can share your MobiKwik Xtra referral code or link directly with friends through various communication platforms such as social media, email, or messaging apps.

MobiKwik Xtra Referral Code
MobiKwik Xtra Referral Code (FUCT6S)

Q: What is referral code for MobiKwik Xtra?

A: MobiKwik Xtra referral code is FUCT6S, which you can share with friends to initiate the referral process.

Q: What are the conditions for earning the ₹100 cashback with MobiKwik Xtra?

You earn ₹100 cashback when your referred friend uses your MobiKwik Xtra referral link or code, successfully invests at least ₹5,000 in MobiKwik Xtra Flexi, and stays invested for at least 7 days.

Q: How does the 10% earnings from MobiKwik Xtra referrals work?

You receive 10% of your friend's interest earnings from their MobiKwik Xtra Flexi investment. This additional cashback is accumulated and credited to your wallet on the 5th of every month.

Q: Is there a maximum cashback limit I can earn with MobiKwik Xtra?

Yes, you can earn a maximum cashback of ₹10 Lakhs during the MobiKwik Xtra offer period.

Q: Can MobiKwik Xtra cashback be withdrawn to a bank account or transferred?

No, cashback received during the MobiKwik Xtra offer period cannot be withdrawn to any bank account or transferred to other customers. It can only be used for recharges, bill payments, and payments on MobiKwik partner platforms/stores.

Q: What happens if my friend invests in MobiKwik Xtra Plus or does not invest within 30 days?

The MobiKwik Xtra offer is not valid if your referee invests in MobiKwik Xtra Plus or fails to invest in MobiKwik Xtra Flexi within 30 days of sharing the referral link.

Q: How can I resolve any queries related to MobiKwik Xtra Refer & Earn cashback?

You should raise any MobiKwik Xtra Refer & Earn cashback related queries within 30 days post a successful transaction.

Q: Are there any specific app requirements to participate in MobiKwik Xtra?

The MobiKwik Xtra offer is applicable only on MobiKwik's latest Android & iOS app versions.

Q: Can MobiKwik change or end the MobiKwik Xtra offer?

Yes, MobiKwik reserves the right to end any or all MobiKwik Xtra offers at its sole discretion without any prior notice.

Q: What constitutes a fraud case in the MobiKwik Xtra offer?

Fraud cases include, but are not limited to, situations where you and your friend use the same device, payment instrument, or network parameters in the MobiKwik Xtra offer. MobiKwik reserves the right to deny cashback in such cases.

Q: What is the eligibility criteria for the MobiKwik Xtra offer?

Eligibility for the MobiKwik Xtra offer requires that your friend invests in MobiKwik Xtra Flexi for the very first time using your referral link or code, and not for MobiKwik Xtra Plus investments.

Q: How is eligibility for MobiKwik Xtra cashback determined?

Only installs/MobiKwik Xtra investments made via the shared link or referral code within 30 days of sharing are considered eligible for cashback.

Q: What are the terms and conditions for participating in MobiKwik Xtra?

To participate in the MobiKwik Xtra offer, you must agree to the offer terms and conditions outlined by MobiKwik, including the specifics of the cashback offer, eligibility, and anti-fraud measures.

Q: What makes MobiKwik Xtra a great investment?

A: MobiKwik Xtra offers supervision and regulation by RBI, a proven track record with 10+ years of digital lending experience, stable and high returns of 12% p.a., and a fully automated investment experience with no manual intervention.

Q: How can I get started with MobiKwik Xtra?

A: To start investing in MobiKwik Xtra, download the MobiKwik app, complete the KYC registration process, navigate to the Xtra section, and begin your investment journey to earn daily interest.

Q: Who can invest in MobiKwik Xtra?

A: Any Indian above 18 years, whether resident or non-resident, or any company with an active PAN Card and Indian bank account can invest in MobiKwik Xtra. NRIs can also invest via their NRO bank account.

Q: Is there a fee for investing in MobiKwik Xtra?

A: No, there are no investment fees or commissions charged for deposits in MobiKwik Xtra.

Q: What are the risks associated with P2P investments like MobiKwik Xtra?

A: While P2P investments carry risks like borrower default, MobiKwik Xtra minimizes risks by conducting identity checks, credit checks, and risk assessments on borrowers, diversifying investments, and using legally-compliant collections agencies for defaults.

Q: How safe is the invested money in MobiKwik Xtra?

A: Invested money in MobiKwik Xtra is routed through an independent trustee-managed escrow account, ensuring it's used only for lending to borrowers.

Q: Are the 12% p.a. returns assured in MobiKwik Xtra?

A: While returns are not guaranteed, the risk analysis by Lendbox suggests that 12% p.a. returns are probable due to low default rates from creditworthy borrowers.

Q: Which documents are required to start investing in MobiKwik Xtra?

A: If KYC is completed with MobiKwik, no additional documentation is needed. Otherwise, PAN and Aadhar-based KYC are required.

Q: Why does MobiKwik Xtra require my bank account details?

A: Bank account details are necessary for verifying your account and crediting invested amounts along with earned interest. They ensure investments are made in your name.

Q: What investment options are available in MobiKwik Xtra?

A: MobiKwik Xtra offers Flexi and Plus investment options. Flexi allows withdrawals anytime without lock-in, while Plus offers fixed tenure investments with lock-in options.

Q: Are earnings taxable in MobiKwik Xtra?

A: Yes, interest income earned is taxable based on your income tax slab and is classified under 'Other income'. Tax is not deducted at source upon withdrawal.

Q: Can I withdraw multiple times from my MobiKwik Xtra account?

A: No, only one withdrawal request can be made at a time for Xtra Flexi investments until the previous request is processed.

Q: Is MobiKwik Xtra safe for investment?

A: MobiKwik Xtra is considered safe for investment as it operates under RBI regulations, conducts thorough borrower checks, and utilizes diversification strategies to minimize risks.

Q: What is the withdrawal time for MobiKwik Xtra?

A: Withdrawal times for MobiKwik Xtra may vary but typically depend on processing times, which can range from a few hours to a few business days.

Q: How does MobiKwik Xtra compare to traditional Fixed Deposits?

A: MobiKwik Xtra offers higher returns (up to 12% p.a.), no lock-in period, and daily interest earnings, making it potentially more lucrative than traditional fixed deposits.

Q: Can I review MobiKwik Xtra before investing?

A: Yes, there are various reviews available online regarding MobiKwik Xtra that can provide insights into its performance, safety, and user experiences.

Q: Is it safe to invest in MobiKwik Xtra according to Quora reviews?

A: Quora reviews can offer subjective opinions on the safety of investing in MobiKwik Xtra. It's recommended to consider multiple sources and conduct thorough research before making investment decisions.

Q: What is the MobiKwik Xtra calculator used for?

A: The MobiKwik Xtra calculator helps investors estimate potential earnings based on invested amounts, interest rates, and investment tenures, aiding in investment planning.

Q: How does MobiKwik Xtra differ from the 12 club?

A: MobiKwik Xtra and the 12 club may differ in terms of investment options, returns, safety measures, and withdrawal processes. It's essential to compare features before choosing one.

Q: What factors contribute to the safety of MobiKwik Xtra investments?

A: Factors contributing to the safety of MobiKwik Xtra investments include RBI regulations, borrower risk assessments, diversification strategies, and legal compliance in loan agreements and collections processes.

Q: Can MobiKwik Xtra investments be liquidated prematurely?

A: Yes, MobiKwik Xtra Flexi investments can be liquidated at any time without penalties. However, premature withdrawal of Plus investments may result in loss of interest depending on the lock-in tenure.

Q: How does MobiKwik Xtra ensure regulatory compliance?

A: MobiKwik Xtra ensures regulatory compliance by operating under RBI regulations, conducting KYC checks, adhering to legal frameworks, and partnering with licensed NBFCs.

Q: Are there any hidden fees associated with MobiKwik Xtra investments?

A: No, MobiKwik Xtra does not have hidden fees associated with investments. Transparency is maintained regarding fees and charges, ensuring investors understand the terms before investing.

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