nCoins · Loyalty & rewards

Refer friends.
Trade for free.

Every time someone you refer opens a Navia account, you earn nCoins — and you can use them to wipe out your trading & statutory charges, or redeem them for Amazon vouchers.

Open free account & start earning How it works
✔ 1 nCoin ≈ ₹1 against charges · Earn on every referral · No cap on referrals
nCoins
Navia's referral reward currency
500
nCoins per referral
2,000
nCoins per NRI referral
≈ ₹1
Value per nCoin vs charges
No cap
Refer as many as you like
Earning nCoins

Refer a friend, earn nCoins.

Share your referral code from the nCoins section of the Navia app. When your friend opens and activates their account, your nCoins are credited.

500 nCoins

For every friend in India

Refer someone who opens a Demat & trading account with your referral code.

2,000 nCoins

For every NRI friend abroad

Refer a Non-Resident Indian who opens an NRI account with Navia.

1

Find your code

Open the nCoins section under the Account menu in the Navia app.

2

Share it

Send your special referral code to friends and family.

3

Earn instantly

When they open an account using your code, nCoins are credited to you.

Using nCoins

Two ways to spend them.

Best value

Offset your trading charges

Use nCoins to reverse the charges on your trades — transaction charges, STT, stamp duty, GST and more. At month-end, the charges you incurred are credited back to your trading account, up to your available nCoins balance.

Example: You earn 3,000 nCoins by referring 6 friends. In a month you incur ₹2,000 in charges. ₹2,000 is credited back to your account at month-end, leaving you 1,000 nCoins.
Or treat yourself

Redeem for Amazon vouchers

Prefer a reward? Convert your nCoins into Amazon e-gift vouchers, processed at month-end.

2,100 nCoins₹100 voucher
5,100 nCoins₹300 voucher
10,000 nCoins₹1,000 voucher

Tip: nCoins go further when used to offset charges (≈ ₹1 each) than as vouchers.

Good to know

Terms & conditions.

  • nCoins are credited only when a referred friend opens and activates a Navia account using your referral code.
  • Each referral code can be used once per new account.
  • nCoins benefits are valid for active accounts only; if an account is suspended, the code becomes invalid and the balance is treated as zero.
  • Charge offsets and Amazon voucher redemptions are processed at month-end.
  • Navia may revise the nCoins programme terms from time to time. For full details, see the nCoins section in the app.
Frequently asked questions

nCoins, answered.

nCoins are Navia's loyalty reward currency. You earn nCoins by referring friends who open a Navia account, and you can use them to offset your trading and statutory charges or redeem them for Amazon vouchers.

Share your referral code from the nCoins section of the Navia app. You earn 500 nCoins for each friend in India who opens an account with your code, and 2,000 nCoins for each NRI friend who opens an NRI account.

You can apply nCoins to offset the charges on your trades — including transaction charges, STT, stamp duty and GST. At month-end, the charges you incurred are credited back to your trading account, up to your available nCoins balance (1 nCoin is worth about ₹1 against charges).

Yes. You can redeem 2,100 nCoins for a ₹100 Amazon e-gift voucher, 5,100 nCoins for ₹300, or 10,000 nCoins for ₹1,000. Voucher redemptions are processed at month-end.

No. There is no cap on referrals — the more friends who open an account with your code, the more nCoins you earn.

nCoins benefits are valid for active accounts only. If your account is suspended, the referral code becomes invalid and the nCoins balance is treated as zero.

Open an account. Start earning nCoins.

Free account in 5 minutes — then refer friends and trade for free.

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