360° financial wellness suite
Secure Your Employees' Futures with Financial Freedom!
Refyne is the one-stop destination for all the financial needs of your workforce
Empowering Financial Freedom
Imagine a solution where employees can effortlessly access their salaries whenever they need, without any hassle. With this newfound liquidity,
They can pay their children's school fees on time, ensuring a brighter future
They can celebrate festivals with their families, creating precious memories
They can tackle unexpected medical emergencies with confidence and peace of mind
Salary On-Demand
  • Access accrued salary in 30 secs
    with a single click
  • No cost of setup or integration;
    No liability for employers
  • Fully automated & customisable processing
Scan and Pay
  • Seamless integration through Refyne app
  • Offers variety in spending experiences
  • Use Salary On-Demand through an authentic and banking safety grade tech
Refyne Card
  • Get a prepaid visa card & load EWA amount into your card
  • Make payments at 99.9% POS outlets
  • Get spending insights & better manage your expenses
Unleashing Financial Empowerment
Picture a scenario where employees receive personalised 1:1 financial sessions, empowering them to take control of their financial destiny. With financial literacy,
They can learn how to make smart investments, growing their wealth
A better Refyne score opens doors to large emergency funds and lower financial stress
They gain the ability to save proactively for their future needs, whether it's a dream vacation or retirement
Money Guru
  • Find hands-on coaches and guides
  • Access financial knowledge in simple words
  • Get personalised 1-1 sessions and group interactions with SEBI-certified financial advisors
Personal Finance Manager
  • Track spending
  • Get insights on spends and budgets
  • Plan expenses by setting realistic goals
  • Leverage tools like PF calculator, loan EMI calculator
  • Check your CIBIL score
Refyne Score
  • A unique scoring system by Refyne that rewards loyalty & unlocks better credit lines
  • Use Refyne Score to access all our liquidity products
  • Unlock exclusive privileges with Refyne Score, granting access to premium products at discounted rates
Free Financial Literacy Tools
Credit Score by Equifax
Evaluate financial health with a credit score check
PF Tracker
Effortlessly monitor your provident fund contributions
Tax Calculator
Simplify tax planning with accurate calculations
Home Loan EMI Calculator
Plan your home loan payments confidently
Retirement Calculator
Secure your future with smart retirement planning
Savings & Protection
Secure Today, Protect Tomorrow
Consider a solution where employees not only save money but also shield themselves from life's uncertainties. With savings and protection,
Pocket insurance becomes their guardian angel, ensuring obstacles don't disrupt their life's journey
Savings accounts foster a habit of financial discipline, preparing them for a brighter future
Their hard-earned salaries are not just accessible but also protected, safeguarding their day-to-day life
Gold Savings
  • Save the well-known good, old way by paying as much as you can spare toward 24K 99.5% pure gold
  • Meet your milestones and get your gold hand-delivered at your doorstep
  • Enjoy instant liquidity and value at gold exchange rate
Pocket Insurance
  • Get a basic cover of up to Rs.10,000 per month with pocket insurance
  • Insure against layoffs due to life, market uncertainty
  • Keep an income stream guaranteed in case of hospitalization
Salary Protect
  • Dedicated placement team to help the candidate get a new job which fits their needs
  • Counselling and upskilling benefits after job loss
  • First three months of 100% Gross salary
Savings Account
  • Virtual and physical payments
  • Payment tracking
  • In-app payments
  • Attractive interest rates
Bonus benefits for your employees
India’s First
Employee Purchase Program
No code, no voucher, end-to-end commerce
Refyne Privilege Club
  • Keep your employees engaged and loyal
  • Offer personalised savings and spending experiences
  • Help them reach their financial goals quicker
  • Plug & play solution with 24 hrs support
Redefining Luxury
  • 30% lower prices than Amazon and Flipkart
  • Discounts of up to 35% on electronics and gadgets ranging from premium to daily usage
  • Boost savings by availing these discounted prices
  • No coupons, no hassles, direct delivery by brands
Happy users
Refyne Rewards
Discounts, Vouchers, Cashbacks
  • Seasonal discount and cashbacks on transactions via Refyne app
  • Redeem Refyne Rewards on popular ecommerce platforms
  • Earn vouchers and coupons of popular brands
Improve Tax Optimisation and Vendor Relations
Partner with us to transform your workforce
Get in Touch
Security &
Refyne is the market leader in data security & privacy, with multiple compliance certifications to safeguard customer data.
Know More
Security Logos
  • ISO 27001 & SOC2 Certified company
  • Dedicated InfoSec Team
  • Data encrypted in rest and transit
  • Robust Cloud Security
The Refyne Impact
Increase in
employee retention
Faster hirings
Improvement in Employee Regularity
Per Year Interest
Partner with us to transform your workforce
Get in Touch
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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