How to Earn Money Using Groww App – Complete Guide (2025 Edition)
Table of Contents
1. Introduction
2. What Is Groww App?
3. Why Earn Money with Groww?
4. Different Ways to Make Money via Groww
5. Step-by-Step — How to Earn via Referral
6. Tips to Maximize Earnings on Groww
7. Things to Be Careful About / Risks
8. FAQs
9. Conclusion
1. Introduction
In the modern digital age, earning money through smartphone apps is no longer a dream — it’s a reality. One such popular app in India is Groww, which primarily offers investment services. But can you earn money using Groww beyond just investing? Yes — in this blog, we’ll explore in detail all possible methods to make money via Groww, how to maximize your gains, and how to avoid pitfalls.
This guide is up-to-date as of 2025, and focuses on SEO-friendly, unique content that can help your blog or website get good visibility (and hopefully AdSense approval). Let’s dive in.
2. What Is Groww App?
The Groww app is a digital investment platform in India that allows users to invest in stocks, mutual funds, and digital gold. It offers a user-friendly interface, low fees, and easy portfolio management. Groww is regulated by SEBI (for mutual funds) and is one of India’s fastest-growing fintech apps.
Key features of Groww:
- Zero commission on mutual funds (no hidden fees)
- Simple dashboard and intuitive UX
- Real-time stock trading (for equity investing)
- Tools such as research reports, charts, filters
- SIP (Systematic Investment Plans) options
- Referral or “invite & earn” scheme
- Educational content, blog, and user support
Because of its popularity, many blogs and users ask: How to Earn Money Using Groww App? (How to earn money via Groww?) This is what we will explain.
3. Why Earn Money with Groww?
Why consider Groww for earning rather than just investing elsewhere?
1. Low cost / zero commission on mutual funds: your returns are not eaten up by high fees
2. Referral income: you can get bonuses by inviting friends
3. Ease of use: even beginners can navigate
4. Diverse income streams: dividends, capital gains, interest, etc.
5. Credibility: well-known among Indian investors
Using Groww is not just about “making money fast” — it’s about building a sustainable, long-term investment plus passive income strategy.
4. Different Ways to Make Money via Groww
Here are the major income streams you can tap into via Groww:
4.1 Referral Program / Invite & Earn
Groww often runs referral offers. You invite your friend or family to sign up using your referral link or code. When they complete certain actions (e.g. complete KYC, invest a minimum amount), you get a reward (cash, coupons, or investment vouchers).
Pros:
1. Passive: once you share your link, income can come automatically
3. High ROI: minimal effort
Cons:
- Each referral scheme has conditions (minimum investment, time limit)
- Not always available in all regions
- May have a cap on how many referrals you can make
4.2 Dividend Income from Stocks
- If you invest in dividend-paying stocks via Groww, you may receive dividends periodically (quarterly, annually).
- If a company declares dividends, shareholders get a cash payout.
- Dividends are taxed depending on Indian laws (e.g. tax deducted at source, depending on your tax bracket).
- Dividend yields vary across sectors.
4.3 Capital Gains (Short-Term & Long-Term)
By buying stocks at a lower price and selling at a higher price, you make capital gains.- Short-Term Capital Gains (STCG): If you hold equity stocks for less than 1 year, the gains are taxed at 15% (for Indian residents).
- Long-Term Capital Gains (LTCG): If you hold more than 1 year, gains above ₹1 lakh/year are taxed at 10% (without indexation).
- Your profit = (Sell Price – Buy Price) – brokerage and taxes.
4.4 Mutual Fund Returns & Exit Loads
- Mutual funds (equity, hybrid, debt) can deliver returns over time. When you redeem units, you get your principal + profit (minus exit load if applicable).
- Equity mutual funds: holding more than 1 year yields LTCG rate (10% above ₹1 lakh).
- Debt mutual funds: different taxation rules apply (based on your holding period).
- Some funds have exit load: a small charge if redeemed within a certain period.
4.5 Interest from Liquid & Debt Funds
While not literally “interest,” debt funds, treasury funds, and liquid funds generate income like interest. These are relatively less volatile and can give stable returns compared to pure equity.
5. Step-by-Step — How to Earn via Referral
Here’s a typical process (may change depending on Groww’s current terms):
1. Open your Groww app → Go to Profile / Refer & Earn section.
2. Get your referral link or code.
3. Share it with friends, social media, blog, YouTube, etc.
4. The friend signs up using your code/link, completes KYC (Know Your Customer), and invests the minimum required amount (as per referral scheme).
5. Once they succeed, you (and sometimes the friend) receive a referral reward (cash, coupons, investment credit).
6. You can withdraw that reward or invest it further.
- Always check the validity of referral offers (often there’s a deadline).
- Save screenshots of successful referrals in case of disputes.
- Use content or social media to promote your link legally (disclosure, no misleading claims).
6. Tips to Maximize Earnings on Groww
Here are strategies to get more out of Groww:
1. Use referral campaigns smartly: promote during peak times, events, or time-limited offers
2. Diversify: don’t put all money in one stock/fund
3. Go long-term: avoid frequent trades to minimize taxes
4. Stay updated: read Groww’s blog, newsletters, and announcements for referral changes
5. Combine income sources: referral + dividends + capital gains
6. Reinvest earnings: use profits/dividends to compound returns
7. Tax planning: maintain records, use tax-saving instruments
8. Avoid over-trading: too many trades increase transaction costs
7. Things to Be Careful About / Risks
Earning money always involves some risks. With Groww:
1. Market Risk: Stocks and funds fluctuate; you can lose money.
2. Tax Changes: Government can change tax laws (e.g. LTCG/STCG, TDS)
3. Referral terms change: Groww may modify or remove the referral program.
4. Hidden costs: Brokerage (for stocks), fund expense ratios, exit loads
5. Fraud & phishing: Always use official app / secure links.
6. Illiquidity in certain funds: Some funds may take time to redeem.
Always do your own research (DYOR) and never invest money you can’t afford to lose.
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8. Frequently Asked Questions (FAQs)
Q1: Is Groww safe to invest?
Yes, it’s regulated by SEBI (for mutual funds) and partners with custodian banks. However, your investment carries market risk, not app risk.
Q2: How much can I earn via Groww referral?
The amount depends on the current referral offer (₹50, ₹100, or more), number of successful referrals, and their investment amount.
Q3: Can I withdraw referral bonus as cash?
It depends on the scheme — some are in the form of investment credit, others may allow withdrawal after conditions.
Q4: Does Groww charge brokerage on stocks?
Yes, for equity delivery trades, there is usually a fixed or variable brokerage as per plan. For mutual funds, many are zero commission.
Q5: Are dividends taxable?
Yes — dividends are taxed as per Indian tax laws. Also, a TDS (tax deduction at source) may be applied.
Q6: What is cut-off for long-term vs short-term capital gains?
For equity, more than 1 year is long term; less than 1 year is short term (taxed differently).
Q7: Can referral program be discontinued?
Yes, Groww reserves the right to modify or cancel referral schemes anytime. Always check the latest terms.
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9. Conclusion
- Use the referral program to earn passive bonuses
- Invest in dividend stocks and earn periodic income
- Profit from capital gains by trading smartly
- Enjoy returns from mutual funds, debt funds, or interest-like income
However, none of these are “get rich quick” methods. They all require patience, smart strategy, and diligence. Also, keep abreast of changing rules, taxation, and referral policies.
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