Refyne, Asia's largest financial wellness suite, provides employees with Salary On-Demand, Money Guru, Gold Savings, and more to enhance financial well-being, empowering the Indian workforce. Our app tackles mid-month cash crunches and unexpected expenses, reducing stress and improving workplace productivity. Elevate employee engagement and satisfaction by integrating with Refyne. Contact us to learn more about our offerings.

Refyne follows a B2B2C model, and enters a partnership with the employer to offer its services to your employees. This comes with 24 x 7 support from Refyne.

Any organisation - private company, NGO, or government entity can sign up with Refyne's financial wellness platform. Refyne's services can be accessed by on-roll and off-roll employees. This includes on-field workforce, contingent workers, consultants, and temporary workers.

Refyne's financial wellness suite stands out from traditional banking apps by eliminating the need for a credit score. Accessible on various devices, the app offers bank-grade security and the convenience of remote sign-ups and 1-1 expert sessions. With 24x7 availability, especially during emergencies, users avoid the bureaucracy and delays associated with traditional banking. The downloadable, user-friendly Refyne App is accessible in 11 regional languages, providing financial literacy through products like Money Guru for financial literacy. The Refyne App can be downloaded from the Google Play Store or Apple Store and is also available on Whatsapp and the web app.

To provide Refyne's financial wellness benefits to your employees, partner with us. Discuss terms and customizations, and upon agreement, enjoy benefits in as little as 24 hours with our base model. With various integrations, we can tailor launches within 3 to 10 days based on your company's customizations.

"Refyne adheres to RBI's KYC guidelines, ensuring seamless fund movement and access to all app features. Attendance and payroll data can be shared manually or through integration with HRMS, Payroll, or Attendance systems as per partnership terms. We prioritise DPDP, VAPT, Labor Laws, and emerging RBI ordinances, along with SOC-2 and ISO27001 compliances. Trusted by over 500 corporations, rest assured, your employee details are secure with Refyne."

Refyne's suite seamlessly integrates with your HRMS, allowing short-term withdrawals to be deducted directly from the current month's payroll. Larger and tenured loans feature automated instalments, presented as clear line items in the respective month's payroll. Your payroll structure and cadence remain unaffected, with zero risk or liability for the employee's benefit, marked clearly for your payroll team's review.

Extending Refyne benefits to your employees is cost-free for employers. With an NBFC license, Refyne funds employee withdrawals, ensuring no impact on your working capital. Employees incur a transparent, upfront, and slab-based transaction fee for app interactions, supporting continuous availability through tech, payroll, and bank partnerships 24x7.

Payroll deductions appear as marked line items in your HRM system, seamlessly integrated without adding complexity. Offering a salary advance amenity assures employees in times of need, and our automated system ensures timely repayment without affecting salary credit timelines and pay periods.

You will have a dedicated Key Account Manager who offers 24 x 7 support.

Refyne's Salary On-Demand provides employees instant access to earned wages before payday, eliminating the need for credit history or checks. Unlike credit cards, no approvals or credit checks are required.

For larger needs, the app allows borrowing with eligibility checks. A small convenience fee is charged for short-term withdrawals, unlike personal loans that entail interest, handling charges, and documentation fees.

Short-term cash shortfall can be met by withdrawals from the earned portion of the salary, before payday. This can cater to mid-month emergencies, small medical bills, or unexpected payments. These are then deducted at the time of salary credit.

Long-term needs such as planning for a dream purchase is also catered to by Salary On-Demand. Employees can borrow more than their salary, depending on some eligibility checks. The EMIs for these borrowings are calculated monthly and deducted at the end of each month, say in 3, 6, or 9 months.

An employee can withdraw a portion of their accrued salary for a transaction fee. The number of withdrawals can be customised by the employer in their agreement.

A larger borrowing (up to 1.5 x) is possible after some qualification checks. These amounts can be repaid in a similar manner as an EMI, at the end of every month. EMIs can be repaid in 3, 6, or 9 months.

The employee will be able to get funds into their account within 60 seconds of placing a withdrawal request.

There is no impact on the credit score for short-term withdrawals as it is not a loan but an access to their accrued salary. 

The newly introduced employee purchase program is called the Refyne Privilege Club. These benefits include heavy discounts on select electronics and gadgets, with a host of seasonal offers, and discounts without the need for any vouchers or coupons. The idea is to help employees make planned purchases, avail discounts, optimise savings and reach their financial goals quicker.

Refyne offers 1-on-1 sessions with SEBI or CFP authorised financial advisors. Financial coaches will help employees manage finances and plan investments.

Available in vernacular languages, employees at partnered companies can avail of this service free of cost.

An employee can book an appointment through the Refyne app by filling out a form with contact details, preferred language, and time. After which, an appointment is scheduled with the financial coach.

Companies can make this service available to their on roll and off roll employees at zero cost.