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Having talks with friends, family, or coworkers regarding financial objectives or investment methods can naturally lead to referrals. Groww can be brought up by users in conversations about retirement planning or emergency savings, presenting it as a useful resource that can assist others in reaching their financial goals. Also, introducing Groww & offering insightful information that connects with participants can be done through organizing small events or webinars online that are centered around financial literacy. When users actively refer multiple friends, the Groww App's Refer & Earn program has the potential to yield impressive earnings. For example, by successfully referring ten or more people, some users have reported earning upwards of ₹5,000 in just a few months.