How Mobikwik Xtra Can Help You Grow Your Money | 12% Per Year

How to Earn 12% p.a. with MobiKwik Xtra

If you are looking for a flexible and hassle-free investment option that offers high returns, you should consider MobiKwik Xtra. MobiKwik Xtra is an innovative product that allows you to lend money directly to creditworthy borrowers and earn up to 12% p.a. interest. You can start investing with as little as Rs. 1000 and withdraw anytime without any lock-in period or fee. In this blog post, we will explain what MobiKwik Xtra is, how it works, and how you can get started.

What is MobiKwik Xtra?

MobiKwik Xtra is an investment option that offers you the opportunity to earn up to 12% p.a. by lending directly to creditworthy borrowers. This is done via an RBI-regulated peer to peer (P2P) investing platform, Lendbox (Transactree Technologies Pvt Ltd).

P2P lending is a technology platform that allows participants to lend and borrow money, cutting out the traditional bank in between. With technology intervention and smart algorithms, P2P lending companies are able to give small ticket loans for shorter tenure to high creditworthiness borrowers. Investment of as small as Rs 1000 can be distributed to more than 100 borrowers with the use of technology hence diversifying risk. The interest income earned from borrowers are distributed back to investors.

What makes MobiKwik Xtra a great investment option?

MobiKwik Xtra has several advantages over other investment options, such as:

- High returns: You can earn up to 12% p.a. interest on your investments, which is much higher than fixed deposits, mutual funds, or savings accounts.

- Daily interest: You can see your money grow every day as the interest is credited daily to your MobiKwik wallet.

- Low entry barrier: You can start investing with as little as Rs. 1000 and increase your investment amount as per your convenience.

- No lock-in period: You can withdraw your money anytime without any penalty or fee.

- No investment fee: You don't have to pay any commission or charge for investing in MobiKwik Xtra.

- Super safe: Your money is safely invested via RBI-licensed P2P NBFCs that are regularly audited and supervised by MobiKwik.

- Fully automated: You don't have to worry about selecting borrowers or managing your portfolio. The platform does everything for you using smart algorithms and technology.

How to get started with MobiKwik Xtra?

Getting started with MobiKwik Xtra is very easy and simple. Just follow these steps:

  1. Download MobiKwik App from Google Play Store or Apple App Store.
  2. Complete the KYC registration process by verifying your identity and address.
  3. Click on Xtra on the home screen of the app.
  4. Use referral Code SAXS9Q
  5. Start your investment journey by entering the amount you want to invest and confirming the transaction.
  6. Earn daily interest on your investments and withdraw anytime.

Video Tutorial For Mobikwik Xtra

Frequently Asked Questions

Here are some common questions that you might have about MobiKwik Xtra:

Q: Who can invest in MobiKwik Xtra? Can NRIs invest?

A: Any Indian above 18 years (resident or non-resident) or company with an active PAN Card and Indian bank account can invest with Lendbox. NRIs can also invest in Xtra via their NRO bank account.

Q: How will my money be deployed between different borrowers?

A: Hundreds of data points of income and expense behavior are assessed before selecting borrowers to whom money will be lent. Investors’ funds will be split into chunks as small as Rs. 100 and distributed between lakhs of borrowers. This mitigates risk and diversifies investments.

Q: What are the risks with P2P investments?

A: As with any lending initiative, there are some risks- the biggest one being that a borrower doesn’t repay. We along with Lendbox ensure that we keep the risk to a minimum, by ensuring that every borrower your money is lent to is identity checked, credit-checked, and risk-assessed on numerous parameters.

Q: How can I track my investments and withdrawals?

A: You can track your investments and withdrawals on the MobiKwik app under the Xtra section. You can also see your daily interest earnings and total returns on your investments.

Q: How can I refer my friends and family to MobiKwik Xtra?

A: You can refer your friends and family to MobiKwik Xtra by sharing your referral code or link with them. You can find your referral code or link on the app under the Xtra section. For every successful referral, you and your friend will get Rs. 50 cashback in your MobiKwik wallet.


MobiKwik Xtra is a smart way to invest your money and earn high returns without any hassle. It is a flexible, safe, and convenient option that lets you lend money directly to creditworthy borrowers and earn up to 12% p.a. interest. You can start investing with as little as Rs. 1000 and withdraw anytime without any lock-in period or fee. You can also refer your friends and family to MobiKwik Xtra and earn cashback rewards.

So what are you waiting for? Download MobiKwik app today and start your investment journey with MobiKwik Xtra!


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