Our Identity at Refyne
Reshaping the Landscape of People and Finance
We are a Team Driven by Passion and Excellence
Our Vision
Simplify personal finance from employee's first job to retirements
80L
Lives
Impacted
30L
QoQ
Transactions
10L+
Financial Literacy
Interactions
Our Mission
We believe financial wellness is a fundamental right to lead a quality life. Yet, over 90% of the working class continues to be unserved or underserved with limited access to financial services or financial knowledge. We want to change this.
With this vision, Refyne launched its flagship product Salary On-Demand in 2021, enabling employees to access liquidity as and when they need it. Today, we offer a complete financial journey right from immediate liquidity to financial education, savings and many more.
Today, Refyne is making financial wellness a reality.
Our Journey
Our philosophy is simple — hire a team of diverse, passionate people and foster a
culture that empowers them to do their best work.
Flagship product launched
8-member team and 10 corporates onboarded
Jan ‘24
Inaugural product unveiled for General Availability
Seed $4.1M | Series A $16M
Jigsaw VC | QED Investors
DST Global | RTP Global | XYZ Capital
May ‘21
Funding Milestones and Investors
40-member team
Proprietary new product development, testing and refinement standardised
Aug ‘21
HQ set up in Bengaluru
Salary On-Demand study
Validates Refyne's vision
Nov ‘21
Report: The Final Frontier of Employee Well-being
Series B $82M | Total upto $106M
Tiger Global joins the investors pack
Jan ‘22
A path of enrichment and funding
Setup offices in Delhi & Mumbai
Close to 100 employees
Aug ‘22
Strengthening the Refyne footprint
Theme:  ESG | Destination: Vietnam
Interactions with over 50 elite business leaders
Dec ‘22
Spectrum (1st Edition): A CXO Exclusive
Access to Liquidity and Financial Literacy
Savings and Protection
Feb ‘23
Product evolution: Pillars of financial wellbeing
Goa & Rajasthan govt. partnership
Lives touched: 10 lakh employees
May ‘23
Never-seen-before progression in PSU
License granted within 365 days
State-of-the-art data security and SOC II compliant
Oct ‘23
Refyne secures NBFC license
Theme: Agile Culture | Destination: Thailand
Invaluable insights from the renowned Sonam Wangchuk
Dec ‘23
Spectrum (2nd Edition): An invite-only symposium
500+ corporates | 8M+ employees |  23 sectors served
3 new products unveiled
Jan ‘24
Introducing 360° finsuite
Meet our Leaders
Our philosophy is simple — hire a team of diverse, passionate people and foster a culture that
empowers them to deliver their best work.
Anurag Tripathi
Amarpreet S Chaudhary
Director - Program Management
With 20 years of experience in various domains in tech; Amar brings expertise in retail banking, trade finance and agile development. He is an avid rider and occasional motorsport participant.
Apoorv Kumar
Anurag Tripathy
Vice President Head - Salary Care
Anurag Tripathy excels in enterprise sales, specialising in IT and Services sectors. As Head of Growth & Partnerships at India's premier Earned Wage Access platform, he transforms pay cycles for the Indian workforce, leveraging engineering and tech expertise.
Anurag Tripathi
Apoorv Kumar
CTO & Co-Founder
Apoorv, IIT-Guwahati alum, blends finance and tech prowess from Goldman Sachs and Shubhloans. An expert in investment strategies, trading platforms, and leading tech teams.
Apoorv Kumar
Chitresh Sharma
CEO & Co-Founder
Chitresh, a serial entrepreneur with over a decade of experience, co-founded Swipii and Cloud9i. He's been recognised in Forbes 30under30 and among the Top 100 UK startups.
Anurag Tripathi
Deepak P
Chief of staff
Deepak, an IIM alum, brings 8 years of diverse experience in venture capital, fundraising, product strategy, and corporate development, primarily in finance.
Apoorv Kumar
Karthik Gowda
Director Special Initiatives
Karthik, contributed to Chai Point's nationwide expansion for over 8 years. Now, at Refyne, he serves as Director of Special Initiatives, leading the Government Relations vertical.
Anurag Tripathi
Krishan Agarwal
Chief Finance Officer
Krishan brings over 15 years of finance expertise, specialising in strategy, business structuring, financial modeling, and reporting. He has worked extensively with multinational organizations.
Apoorv Kumar
Prashant Sharma
Vice President People & Culture
Prashant, a seasoned HR leader 
with 15+ years of experience, prioritizes building high-performance teams with a meritocratic culture.
Anurag Tripathi
Pushkina Nautiyal
Chief Marketing Officer
Pushkina, a Lady Shri Ram College alum, has a decade of experience scaling startups' user adoption for niche tech products. Passionate about entrepreneurship, she's an avid reader.
Apoorv Kumar
Sudhakar Kamath
Senior Vice President Head of Growth
Sudhakar, with over 20 years of sales experience in Banking, Insurance, and Manufacturing, is an SDM Institute of Management alum. He enjoys sports and plays football in his leisure time.
Anurag Tripathi
Suhrud Karandikar
Associate Director, Product
Suhrud, an IIT Kharagpur alum, brings a decade of experience, with 7 years 
in finance and fintech. He's worked with Deutsche Bank, Cashfree, and Lendingkart.
Apoorv Kumar
Sumit Sagar
Vice President Product Growth
Sumit, a tech expert and ex-founder, has experience with organisations like MyShubhLife, holding a B.Tech. in Computer Science.
Anurag Tripathi
Vikram Duggal
Head of Risk & Collections
Vikram, a seasoned risk professional with 20+ years in BFSI across global markets, specialises in Risk Management, Portfolio Analytics, and Strategy Development for retail.
We’re Backed By
Our Advisers
Anurag Tripathi
Susir Kumar
Chairman, VFS Global AG
One of India's pre-eminent entrepreneurs, Kumar leads VFS, the world's largest visa services company. He also founded Intelenet Global and was instrumental in forming HDFC’s Bank and Insurance units.
Apoorv Kumar
Nigel Morris
Founder, Capital One Bank & QED Investors
Nigel founded & scaled Capital One, one of the largest banks in the US. He then founded QED Investors, a leading & highly successful fintech VC, recently closing US$ 1.05bn Fund.
Anurag Tripathi
Bobby Mehta
Chairman, JLL
Mehta is one of the most reputed names in finance, having led HSBC North America as CEO and TransUnion (CIBIL) as CEO and President.
Apoorv Kumar
Bala Swaminathan
Ex-President, Westpac International
Former president of Westpac International, previously also served as senior MD at Standard Chartered Bank and Sr.General Manager at ICICI Bank.
Culture at Refyne
Refyne fosters a culture of innovation, collaboration, and empowerment, where every voice is valued and every idea has the potential to make a difference.
INTRODUCING
"Polaris is not just an event; it's a beacon of unity, creativity, and shared purpose. It's where the entire Refyne team converges to envision our collective growth, fueled by camaraderie, joy, and mutual appreciation. Watch a glimpse into the electrifying spirit of Polaris 2024. Let's soar together!"
Refyne in the News

Building a Stronger Future Starts with Financial Wellness

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