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Proudly made in India


ASIA'S LARGEST
FINANCIAL WELLNESS PLATFORM

360° approach on Financial Wellness for Future Ready Workplaces
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SIMPLE

Plug & play solution for your organisation


SECURE

ISO 27001 & SOC 2
certified


TRUSTWORTHY

500+ organisations &
8M+ employees

Asia’s Largest Financial Wellness Platform
RBI Compliant
ISO 27001 & SOC 2 certified company
3,000 Cr Raised
One of the Largest distribution platforms globally, larger than some banks
Asia’s Largest Financial Wellness Platform
RBI Compliant
ISO 27001 & SOC 2 certified company
3,000 Cr Raised
One of the Largest distribution platforms globally, larger than some of the
banks
Asia’s Largest Financial Wellness Platform
RBI Compliant
ISO 27001 & SOC 2 certified company
3,000 Cr Raised
One of the Largest distribution platforms globally, larger than some banks


REFYNE APP

For all the financial needs of your workforce
0% interest
Enjoy withdrawals with NO interest charges
Zero Repayment
Hassle
The repayment amount is deducted from the salary



Digital KYC
Enjoy paperless documentation
100% Secure
Refyne is RBI compliant
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Asia’s Largest
Financial Wellness Platform
₹48k Cr
Salary Flow
3000 Cr
Funding
80L
Lives
Impacted
30L
QoQ
Transactions
10L
QoQ Fin Literacy Interactions
500+
Organisations
23
Industries
11
Languages


360° FINANCIAL WELLNESS PLATFORM
FOR YOUR EMPLOYEES


100%
Customisation
Zero Integration
Cost
Compatible with
any HRMS
Integrate Now
Employer Benefits
 * Seamless HR Process
 * Positive Impact on Workforce & Culture
 * Higher Employee Retention
 * Zero Liability, Zero Cost to the Organisation
 * No additional cost to the organisation


Employee Benefits
 * Empowering Employees Financially
 * Access to Liquidity as per needs of Employees
 * Improve Financial Knowledge with MoneyGuru
 * Access to Various Financial Tools for Better Financial Behaviour
 * Inculcate Positive Habits such as Savings

Your employee wellness, reimagined!
Partner with us to transform your workforce
Get in Touch
Security &
Privacy
Refyne is the market leader in data security & privacy, with multiple compliance
certifications to safeguard customer data.
Know More
 * ISO 27001 & SOC2 Certified company
 * Dedicated InfoSec Team

 * Data encrypted in rest and transit
 * Robust Cloud Security

The Refyne Impact
36%
Increase in
employee retention
2.6x
Faster hirings
24%
Improvement in Employee Regularity
₹240Cr
Per Year Interest
Saved
80L
Lives
Impacted
Partner with us to transform your workforce
Get in Touch
When salary arrives at the end of the month, it becomes challenging to manage
finances. At such times, we resort to using Refyne for money withdrawal.
TeamLaese employee
- Inthiyaz Pasha
Financial well-being is something we've been looking for as a staffing company,
and Refyne has really helped us get a step closer to that goal.
Chief Of Digital Transformation | First Meridian
- Raghav Poojary
With Salary On-Demand in place, our workforce doesn’t have to use other sources
to get money. There has been a decline in staff turnover and the use of Refyne
is helping us conserve money.
Managing Director, P&G (Touchstone)
- Rohit Parakh
I firmly believe Refyne has powerfully demonstrated our values of care,
integrity, and excellence, especially by enhancing the financial wellness of our
employees.
CHRO & President | Aarti Industries
- Manoj Sharma
One important feature we found in Refyne’s Finsuite was Financial Coaching.
Another crucial aspect was Refyne's Salary On-Demand which yielded very good
results for our teams.
Co-Founder & CEO | Epigamia
- Rahul Jain
Refyne helps to make payments on time.
‍
It's right there on your phone, available for you to use anytime you want.
HR | Acko General Insurance
- Visakha Viswanathan
I use Refyne whenever I require money for medical emergency or petrol while
working at Swiggy.
Swiggy Delivery Partner
- Devendra Sahu
As HR, we prioritize supporting employee needs and well-being. We find Refyne's
Salary On Demand options to better assist employees during times of financial
need
General Manager HR & IR | Ceratizit Group
- Gireesha Shivarama



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Support
FAQs
Everything you need to know about Refyne and its products
What is Refyne?


Refyne is Asia’s largest financial wellness suite that offers employees access
to funds, learning material on improving personal finance, and tools for
planning long-term financial health. Refyne was built to empower modern Indian
working individuals to strengthen their financial awareness and goals for
long-term financial security.

With Refyne’s app, employees can solve issues such as the mid-month cash crunch,
unexpected expenses, and medical emergencies which contribute to the rise of
stress in the workforce. By integrating with Refyne, organisations can improve
employee engagement and satisfaction, as well as productivity at their
workplace. To find out more about Refyne’s offerings, please contact us here.

How is Refyne’s Salary On-Demand offering different from a personal or payday
loan?


Refyne’s Salary On-Demand offering helps employees access their salary before
payday. For larger monetary needs, the Refyne app allows borrowings after
certain eligibility checks. There are pre-qualification checks in place for
employees planning to avail mid to long-term credit.

A small slab-based convenience fee is charged to the employee based on the
transaction amount. With personal or payday loans, however, an interest is
charged on the overall credit utilised, in addition to handling charges,
documentation charges, and more.

How quickly can my company offer Refyne benefits to my employees?


Once we sign the agreement with the organisation, Refyne can extend the
financial wellness benefits in as few as 24 hours with our base model. However,
we have a slew of integrations to support different models of go-live. This
allows Refyne to launch the benefits within 3 to 10 days depending on the
customisations required by your company.

Is my employee information safe with Refyne?


Yes. Refyne follows RBI’s guidelines for mandatory KYC. This makes for seamless
movement of funds to and from your employees' accounts, and allows them to
access all the features of the Refyne App.

Over and above this, please be assured that we follow DPDP, VAPT, Labor Laws,
and other RBI ordinances as they emerge, in addition to SOC-2, and ISO27001
compliances. Refyne is trusted by over 500 corporations. Your employee details
are safe with us.

Will the Refyne suite integration disrupt my payroll flow?


Refyne’s suite integrates directly with your HRMS to access relevant
information. Short-term withdrawals are directly deducted from the payroll of
that month if the employee accesses a part of their accrued salary from the app.

For larger amounts and tenured loans, the instalments are calculated and
automated so that they are featured as deduction statements in the respective
month's payroll. These line items are marked out clearly for your payroll team
to review. Your payroll structure and cadence will not be affected in any way at
all.

Why does Refyne make payroll deductions? Isn’t it easier to collect directly
from the employee?


Payroll deductions are reflected directly in your HRM systems as marked line
items. They do not burden your payroll further, as the fully automated system
shows you the correct amount at a glance.

Knowing that the employer has added a salary advance amenity gives additional
reassurance to the employees, especially in their time of need. We preserve this
while making sure the repayment comes in time without impacting the salary
credit timelines and pay periods.

How is the Refyne suite different from a banking app?


Refyne’s financial wellness suite differs from the banking app in that it
doesn’t require the user to have a credit score to access liquidity or learn
about personal finance.

Refyne’s suite is unique in the way it is available to users on the go, on a
multitude of devices, and with options to sign up for 1-1 expert sessions. All
of these can happen without a user having to visit a bank branch; however, it
does offer bank-grade security.

The Refyne App sees notably high usage at night - a time when bank cash counters
are unavailable. This is a huge advantage in the face of emergencies. The app
ensures 24x7 availability without users having to wait for credit approvals or
deal with the bureaucracy or delays generally associated with banking
procedures.

In addition, Refyne is available in 11 regional languages. Financial concepts
and terms are explained in simple terms under the Money Guru product of
financial literacy.

What is the employee purchase program?


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.


BUILDING A STRONGER FUTURE STARTS WITH FINANCIAL WELLNESS

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