Be the
company that
nobody wants
to leave

Get Asia’s leading financial wellness suite
for a truly engaged workforce

Financial stress has a ripple effect on your company

Financial insecurity causes distraction, absenteeism, and employee-turnover

Employee 81% employees run out of money before pay day
Borrow Loans 72% borrow loans
due to a deficit
Depend 42% depend on employers for financial stability
EY logo

We did a study in partnership with EY India

Find out how Salary On-Demand can elevate employee happiness and productivity.

We did a study in partnership with EY India.

Find out how Salary On-Demand can elevate employee happiness and productivity.

Empower your employees with financial freedom

Integrate with Asia’s largest financial wellness provider

Hasslefree

Hassle-free
plug and play solution

Compatible HRMS

Compatible with ANY HRMS/Rewards tool

Compliant and Secure

100% compliant
and secure

Provide better liquidity and financial literacy to your employees

Salary On
Demand
Financial
Coaching
Salary
Top Up
Pocket
Insurance
Refyne
Score
Refyne
Card
Gold
Savings
salary-on-demand

Salary On-Demand

Empower your employees with access to earned salary whenever they need it

  • Zero cost to companies
  • No change to company cash flow
  • No interest fee for employees
Financial Coaching

Financial Coaching

Educate your employees with the fundamentals of sound financial decisions

  • One-on-one financial advice
  • Coaching by SEBI-certified mentors
  • Access in 11 Indian languages
Salary Top Up

Salary Top Up

Unlock liquidity for your workforce without affecting company cash flow

  • Access funds up to 1.5x salary
  • Zero liability to employers
  • Superfast disbursal
Pocket Insurance

Pocket Insurance

Secure your employees against day-to-day mishaps with financial coverage plans

  • Insurance against daily issues
  • Covers job loss, minor injuries, and more
  • Quick claim settlement
Refyne Score

Refyne Score

Be part of India’s first and only inclusive score for every employee

  • Refyne’s proprietary scoring system
  • Based on 200+ parameters
  • Avail financial products at lower prices
Refyne Card

Refyne Card

Get the convenience of making direct payments anytime anywhere

  • Real-time access to salary
  • 100% compliant & secure
  • Virtual and physical cards
Gold Savings

Gold Savings

Own gold in easy and small amounts and plan future savings

  • Inculcate habit of saving
  • Option to save via Salary On-Demand
  • Enable saving at preferred pace

Empower your employees with access to earned salary whenever they need it

  • Zero cost to companies
  • No change to company cash flow
  • No interest fee for employees

Educate your employees with the fundamentals of sound financial decisions

  • One-on-one financial advice
  • Coaching by SEBI-certified mentors
  • Access in 11 Indian languages

Unlock liquidity for your workforce without affecting company cash flow

  • Access funds up to 1.5x salary
  • Zero liability to employers
  • Superfast disbursal

Secure your employees against day-to-day mishaps with financial coverage plans

  • Insurance against daily issues
  • Covers job loss, minor injuries, and more
  • Quick claim settlement

Be part of India’s first and only inclusive score for every employee

  • Refyne’s proprietary scoring system
  • Based on 200+ parameters
  • Avail financial products at lower prices

Get the convenience of making direct payments anytime anywhere

  • Real-time access to salary
  • 100% compliant & secure
  • Virtual and physical cards

Own gold in easy and small amounts and plan future savings

  • Inculcate habit of saving
  • Option to save via Salary On-Demand
  • Enable saving at preferred pace

We’re serious about data privacy and security

ISO

ISO 27001 certified

RBI compliant

Labour Law compliant

Shield

Over 6 million employees’ lives improved by financial well-being and productivity

Why businesses love Refyne

Be the company that nobody wants to leave