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OneNDF Refer and Earn



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Earn big with OneNDF's refer & earn program! Refer borrowers & get ₹50,000* onwards as reward. Accumulate OneNDF coins through referrals & redeem for cash in your bank account.

Q: What is the OneNDF Refer and Earn program?

A: The OneNDF Refer and Earn program is a referral incentive offered by OneNDF, a financial platform, where you can earn virtual coins called OneNDF Coins for referring new borrowers to their platform. These coins can be redeemed for cash, making it a lucrative opportunity to earn rewards for successful referrals.

Q: How does the referral process work?

A: To participate, you need an active OneNDF account. Share your unique referral link or code with potential borrowers. When someone signs up using your link and completes milestones like credit score verification, loan application, and disbursement, you earn OneNDF Coins accordingly.

Q: What are the different milestones for earning OneNDF Coins?

A: The milestones include sign-up (₹1 or 100 coins), credit score verification (₹10 or 1000 coins), ITR submission (₹10 or 1000 coins), GST registration (₹10 or 1000 coins), banking verification (₹10 or 1000 coins), loan application completion (₹20 or 2000 coins), loan sanction (₹39 or 3900 coins), and loan disbursement (₹50,000 onward, varies according to loan type and amount).

Q: How can I redeem my earned OneNDF Coins?

A: To redeem, you need to meet the criteria of having at least one loan disbursement to a referral. Once met, request a redemption, and the cash equivalent will be credited to your registered bank account within 7 business days.

Q: Is there a limit to the number of OneNDF Coins I can earn?

A: No, there is no cap on the number of OneNDF Coins you can earn through referrals. You can keep referring and accumulating coins indefinitely, as long as you follow the program's terms and conditions.

Q: How long do the OneNDF Coins remain valid in my account?

A: The OneNDF Coins have no expiration date. They remain valid and redeemable as long as you maintain an active account with OneNDF and follow the guidelines.

Q: Can I transfer my OneNDF Coins to someone else's account?

A: No, the OneNDF Coins earned through the referral program are non-transferable. They can only be redeemed or utilized within your own OneNDF account.

Q: What happens if my referral's loan application is rejected?

A: If your referral's loan application is rejected, you will still earn OneNDF Coins for activities they completed, such as sign-up, credit score verification, ITR submission, GST registration, banking verification, and loan application completion. However, you won't earn coins for loan sanction and disbursement.

Q: Can I use my OneNDF Coins to pay off an existing loan?

A: You can redeem your OneNDF Coins for cash in your bank account. Once credited, you can use that money to pay off an existing loan with OneNDF or as a fee waiver for future loan applications.

Q: How can I check my OneNDF Coin balance and redemption status?

A: You can check your OneNDF Coin balance, redeemable coins, and redemption status by logging into your account and navigating to the "Refer and Earn" section on the website.

Q: What loan options are available for referrals?

A: Currently, the loan options available for referrals include Loan Against Property, Working Capital Loan, and Business Loan. More options may be added in the future.

Q: What happens if someone abuses the referral program or engages in spam referrals?

A: OneNDF takes fraudulent or spam activities seriously. If they suspect any abuse or spam referrals, they reserve the right to investigate, block or remove users from the program, and remove associated coins.

Q: How can I get in touch with OneNDF for queries about the referral program?

A: For any queries, reach out to the dedicated referral support team by emailing They will assist with questions or issues regarding the referral process, rewards, or any other related matter.

Q: Is there a minimum loan amount requirement for referrals?

A: There is no specific information provided about a minimum loan amount requirement for referrals to be eligible. However, the number of coins earned for loan disbursement starts from ₹50,000 onward and may vary according to loan type and amount.

Q: Can I refer existing OneNDF borrowers?

A: The program seems focused on referring new borrowers to the platform. While there is no explicit mention of restrictions on referring existing borrowers, the program's terms and conditions may provide more clarity on this aspect.

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