Encouragement to the Groww app's efficacy can be found in the success stories of users who have taken part in its "Refer and Earn" incentive program. Numerous users have shared stories of helping their friends start their investing journeys in addition to reaping sizable rewards. One user, for example, described ha23 pokerow they earned enough cash bonuses to finance their subsequent mutual fund investment after referring five friends over the course of a few months. Their financial portfolio was enhanced by this experience, and it also encouraged conversations about investing within their social network, which spread financial literacy. Another interesting tale comes from a user who used their love of investing to host unofficial workshops for friends who wanted to learn more about money. They were successful in referring several attendees who were keen to begin investing by sharing their knowledge of the Groww app during these sessions.

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