To refer someone on the DMI Finance app, open the app, go to the Refer and Earn section, tap Share or Refer Now, and send your unique referral link through WhatsApp, SMS, or any platform you prefer. Once the person you referred signs up using your link and their loan is disbursed, you can earn up to 8,000 Plus Coins, worth up to ₹2,000, credited within 48 hours. These rewards are part of the DMI Finance Referral Programme.
Referring someone on the DMI Finance app takes less than a minute. Before you begin, make sure you have:
You do not need an existing loan with DMI Finance to refer someone. Anyone using the app can refer as many people as they want; there is no cap on the number of referrals you can make.
1. Open the DMI Finance App
Launch the app on your phone. If you have not downloaded it yet, install it from the official app store listing and confirm the publisher name matches DMI Finance Private Limited before proceeding.
2. Go to the Refer and Earn Section
After logging in, go to the Refer and Earn section. This is where your unique referral link lives.
3. Tap Share or Refer Now
Select the Share or Refer Now option. The app will generate your personal referral link automatically; you do not need to create or remember any code.
4. Share Your Referral Link
Send your link to the person you want to refer through WhatsApp, SMS, or any platform you prefer. There is no restriction on how you share it or how many people you send it to.
5. They Apply Using Your Link
Once the person you referred clicks your link, they can sign up and apply for a DMI Finance Personal Loan or Business Loan. Their application goes through the standard verification and approval process.
6. Earn Plus Coins Once the Loan Is Disbursed
If their loan is approved and disbursed, both of you become eligible for Plus Coins, subject to verification and the program’s terms and conditions. You can earn up to 8,000 Plus Coins per successful referral, worth up to ₹2,000, and rewards are typically credited within 48 hours of disbursal.
Think about people in your life who might genuinely benefit from fast, collateral-free credit. A referral works best when it actually solves a problem for the person you refer, not just when you are chasing Plus Coins.
On the personal loan side, this could be someone planning a wedding and looking into a wedding loan, someone facing a medical emergency loan need, a colleague wanting to consolidate multiple debts through a debt consolidation loan, or someone simply exploring a personal loan for salaried employees or a personal loan for self-employed individuals. DMI Finance personal loans start from 11.99% p.a., with amounts up to ₹10 lakh and tenure up to 48 months. If they are unsure what their EMI would look like, point them to the personal loan EMI calculator before they even apply.
On the business loan side, think of small business owners who might need working capital, an MSME loan to manage cash flow, or a collateral-free business loan to fund expansion without pledging assets. DMI Finance business loans go up to ₹25 lakh, starting from 15.99% p.a. Someone running a shop, a services business, or a growing MSME could be a strong referral if they are actively looking for funding.
In both cases, checking the personal loan eligibility criteria or business loan eligibility criteria before referring someone can save them time and improve their chances of a smooth, fast approval, which also means your Plus Coins arrive sooner.
Once you have shared your link, there is nothing further you need to do. DMI Finance verifies the referral and the loan disbursal in the background. If everything checks out, your Plus Coins are credited automatically to your account, usually within 48 hours.
You can track your referral status and coin balance anytime from the Plus Coins Zone within the app.
1. Do I need to be an existing DMI Finance customer to refer someone?
No. Anyone using the DMI Finance app can refer someone, whether or not they currently have a loan with DMI Finance.
2. How many people can I refer?
There is no limit. You can refer as many people as you want and earn Plus Coins on every successful referral.
3. How many Plus Coins do I earn per referral?
You can earn up to 8,000 Plus Coins per successful referral, worth up to ₹2000 at DMI Finance’s standard conversion rate of 1 coin equal to ₹0.25.
4. When do I receive my Plus Coins?
Plus Coins are typically credited within 48 hours of the referred person’s loan being disbursed, subject to verification checks.
5. Can I refer someone for a business loan as well as a personal loan?
Yes. You can refer anyone interested in a DMI Finance Personal Loan or Business Loan.
6. What if the person I refer does not get approved for a loan?
If their application is not approved, no reward is credited for that referral.
7. Where can I track how many Plus Coins I have earned?
You can check your Plus Coins balance and referral status anytime in the Plus Coins Zone within the DMI Finance app.
