Neoble

Neoble Refer and Earn FAQs

Neoble is a digital platform, run by Indiwealth Technologies Pvt Ltd, for taking a loan against your mutual funds without selling them. The Neoble refer and earn program gives you and your friend ₹1,000 each when a loan is disbursed to your friend using your Neoble referral code. This page covers how Neoble referral codes work, the referral steps, rewards, tracking and payout time, based on Neoble's official referral terms as of September 2026.

What is Neoble Refer and Earn?

Neoble Refer and Earn is Neoble's program that rewards users for inviting friends and family to take a loan against mutual funds (LAMF) on Neoble. For every loan disbursed using your referral code, you and your friend each earn a flat ₹1,000. It is one of several loan referral programs that reward both the person referring and the new borrower.

What is Neoble?

Neoble is a loan against mutual funds platform that lets you borrow against your mutual fund investments while they stay invested. According to Neoble, loans go up to ₹5 crore, the process is 100% digital and takes about 8 minutes, cash can reach you in 4 hours, and there are no prepayment charges. Neoble's lending partner is Bajaj Finance Ltd.

How does the Neoble referral process work?

The Neoble referral process has four steps:

1. Sign up on Neoble and open your dashboard.

2. Generate your unique referral code from the link on the dashboard.

3. Share your Neoble referral code with friends, family or colleagues.

4. Your friend registers on Neoble using your code and takes a loan against mutual funds.

When the loan is disbursed, Neoble credits ₹1,000 to you and ₹1,000 to your friend.

Is there a Neoble referral code?

Neoble referral codes are personal: every registered Neoble user generates their own unique alphanumeric code from the Neoble dashboard. There is no single public Neoble referral code. To get the ₹1,000 new-user reward, register on Neoble with the referral code of a friend who already uses Neoble.

How do I get my own Neoble referral code?

Sign up on Neoble and visit your dashboard, where you will find a link to generate your referral code. Neoble creates a unique alphanumeric code for you that you can share with friends.

What reward does a Neoble referral code give?

A Neoble referral code gives the new user a flat ₹1,000 when their loan against mutual funds is disbursed. You, as the referrer, also earn ₹1,000 for the same loan. Both rewards depend on the loan actually being disbursed, not just on your friend signing up.

How is the Neoble referral reward calculated?

The Neoble referral reward is a fixed amount, not a percentage of the loan. You earn ₹1,000 for every LAMF disbursement made using your referral code, whatever the loan amount.

Who can participate in Neoble Refer and Earn?

Anyone who registers on Neoble can generate a referral code from their dashboard and invite others. The friend you refer must use your Neoble referral code while registering, and must take a loan that gets disbursed for either of you to earn the reward.

Is Neoble refer and earn free?

Yes. Joining the Neoble refer and earn program and generating a referral code are free. Your friend only takes a loan if they need one, and the ₹1,000 rewards are paid when that loan is disbursed.

Is there a limit on how many people I can refer on Neoble?

No. Neoble says there is no limit on how many friends you can refer while the Refer & Earn offer continues. Each disbursed loan made with your code earns you ₹1,000.

How can I track my Neoble referrals?

Your Neoble dashboard shows how many people joined through you, your earnings, and each referred person's name and mobile number in masked form. Neoble also sends you an email each time someone joins through your link.

When do I receive my Neoble referral rewards?

Neoble says you receive your referral rewards within 3 working days. If a reward does not appear after that, check the referral status on your Neoble dashboard.

What happens if my friend does not use my Neoble referral code?

If your friend does not enter your Neoble referral code during registration, Neoble cannot link the signup to you and you will not get credit for it. Make sure your friend enters your code when they register.

Why was my Neoble referral not counted?

A Neoble referral usually is not counted for one of these reasons:

• Your friend registered without your referral code.

• Your friend signed up but their loan against mutual funds was not disbursed.

• The Refer & Earn offer was withdrawn before the loan was disbursed.

How do I use my Neoble referral rewards?

Neoble describes the referral reward as cash earned for each disbursed loan. Its referral page does not say how the reward is paid out, so check your Neoble dashboard or contact Neoble support for the payout method.

Is Neoble Refer and Earn a limited-time offer?

Yes. Neoble calls Refer & Earn an inaugural offer that management can withdraw at its discretion. Users who become eligible before the cut-off date will still receive their reward.

Can Neoble change the referral reward?

Yes. Neoble's management can revise the referral reward amount without notice, but only for referrals made after the change. Neoble also states that management's decisions on the program are final and binding.

Does Neoble have a partner program?

Yes. Separately from Refer & Earn, Neoble runs a partner program for people such as mutual fund distributors who help their clients take loans against mutual funds. Neoble says partners earn on every loan their referrals do for as long as they stay associated with Neoble, with payouts made in the first ten days of the following month. Details are on Neoble's Become a Partner page. If you earn by selling financial products, you can also compare other financial product selling apps for advisors.

Which other loan apps have refer and earn programs?

If you are comparing Neoble with other lenders, these also have refer and earn programs:

• Rupeek refer and earn, for loans against gold instead of mutual funds.

• IndiaGold refer and earn, another gold loan platform with referral rewards.

• Moneyview refer and earn, for personal loans that do not need any asset as security.

How do I contact Neoble for referral support?

Contact Neoble through the Help or Contact Us section of the Neoble website. Share your registered mobile number and your friend's details so Neoble can check the referral.

Disclaimer

We are Refer Karo Earn Karo, an affiliate website. Some links and referral codes on this page are our affiliate or referral links, so we may earn a commission or referral reward when you join Neoble through our link or code, at no extra cost to you. Referral offers, rewards and terms are set by Neoble and can change at any time without notice. We try to keep this page up to date, but please check the official Neoble website for the current offer and full terms before you join.