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Refyne unlocks exclusive resources, networking events, podcasts, and community interactions to empower your HR expertise. Elevate your network and amplify your strategy by joining our dynamic community.
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Refyne cultivates synergy among leaders, amplifying the resonance of best practices, and fostering employee well-being to craft enduring HR strategies within India's professional landscape.
Unifying leaders for industry enrichment
Fostering sustainable wellbeing
Enabling innovative HR strategies
Promoting healthy workplaces nationwide
events organised
CHROs in
(Newsletter & Blogs)
Refyne's annual networking and HR leadership event unfolds as a vibrant overseas retreat, where profound insights from hands-on experiences and success stories are energetically exchanged among our exclusive invitees.
Spectrum 2023
Spectrum's second iteration harmonised talent and
innovation amidst a shifting landscape
Phuket, Thailand
The significance of fostering an Agile Culture and providing actionable insights for adeptly navigating change within the swiftly evolving workspace
Keynote Speaker
Sonam Wangchuk - Engineer, innovator and
education reformist
Spectrum 2022
Gala fun & vibrant discussions unveil
pragmatic sustainability steps for workplaces
Ho Chi Minh City, Vietnam
The event spotlighted ESG, fostering discussions on sustainable workplace integration
Keynote Speaker
Shiv Khera - Indian author, activist and
motivational speaker
Stay tuned for Spectrum 2024
Spectrum 2022 was impactful, meaningful.
Senior Director - Global HR Transformation | Sodexo
- Pradeep Chavda
What a spectacular event
it was!
Sr. Vice President & Global Head HR | 3i Infotech
- Shilpa Pai
Refyne is one package that gives you the financial stability to your employees.
EVP & CHRO | Piaggio Vehicles Pvt. Ltd.
- Pooja Bansal
Embark on a journey through The Human Link, where the untold stories of industry trailblazers come to light. Explore firsthand experiences, debate, and defining choices for invaluable wisdom and limitless motivation. Immerse yourself in our trinity of insightful initiatives, providing exclusive pathways to uncover and engage with the narratives of these business pioneers
Aspiring business leaders, newcomers, and mid-level managers alike will find invaluable insights in The Human Link podcast. Hosted by industry luminaries from diverse backgrounds and regions, the podcast delves into their personal journeys, revealing their motivations, pivotal decisions, and most importantly, the lessons learned along the way.
Latest episode: Now Streaming
The newsletter is meticulously crafted to capture industry trends, influential policy developments, compelling narratives of enhanced workplace dynamics, and insights gleaned from India's foremost corporations. Additionally, readers are offered a glimpse into the inner workings of the Refyne Community and the significant events unfolding within.
Our community gathers in city-wise meetups, fostering rich discussions and a sense of belonging. The Refyne Community supports members' ideas and projects, providing fresh perspectives.
What to expect in 2024
In 2024, anticipate exciting advancements in business leadership.

Podcast Series

Podcast Series

Episode 3
Coming Soon

The Human Link

Coming Soon in
Delhi and Mumbai

Spectrum - 2024

Stay tuned for
more details
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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