If you wish to check your referral ledger balance, follow these steps:
1) Login into the Upstox app or website.
2) Visit the 'Refer and Earn' section.
3) Go to 'Your Earnings and Referrals'.
The amount reflecting under the 'Withdrawable' is your current referral ledger balance. You can withdraw the same to your linked bank account by clicking on 'Take Out'.
After raising a withdrawal request, the amount will reflect in your bank account within 24-48 hours.