Referring friends and family through the Groww App is an easy and direct process that can be completed right within the app. In order to refer someone, users can go thow to open yono sbi appo the app's "Refer and Earn" section and find a special code or link that they can give to others. Through email, messaging apps, social media, or any other preferred communication method, users can distribute this code or link. Using the referral link or code to sign up for Groww App benefits both the new user and the referrer.