Reward Your

Employees With

With India’s leading

SalaryWage
Earned On-Demand
Access solution

’S L ARGE
IA
AS

ST

SALARY ON-DEMAND
AVE THE EARTH
PLATFORM
20% employee turnover is Empower your employees with
attributed to financial stress Salary On-Demand

81%
employees have faced a
financial shortfall between
pay cycles E v e r y d ay i s a Pay d ay

72%
have used options such as
expensive short-term loans,
worsening their condition
Salary On-Demand empowers employers to pay
their employees salaries, as they earn them,
between pay cycles
42%
expect employers to
assist with their financial Employees can access their earned salaries in real-
well-being time to meet their urgent or routine needs without
borrowing or salary advances.

Source: EY Research - Earned Wage Access in India - The Final Frontier of Employee Well-Being

2 3
Introducing

India's first and Asia's largest

Salary On-Demand platform

Zero cost & zero liabilit
No interest to employees - not a loa
No disruption to company cash flow

Employee
Employer

5
How can Refyne help Corporates?
Attract & retain talent

Stay competitive by offering the most desired

employee benefit

Employee motivation

Drive pride and financial well-being amongst

employees

No salary advances

Enable employees to plan their finances better

Enhance productivity
Easy integration

Improve employee engagement by reducing financial Enjoy a secure and hassle-free integration with any
stress HRMS platform

Zero cost
Unchanged cashflow

Offer the best employee benefit at no cost to the Cash flow remains unchanged as Refyne finances all
company transactions

6 7
Why EWA with Refyne? You are Secure with Refyne
Refyne seamlessly integrates with any HRMS software so that We adhere to the highest standards of compliance
employers can roll out salaries on-demand and employees and security
can access this via a mobile or desktop app and a card

Fully automated workflow RBI compliant

Seamless integration with any HRMS ISO 27001 certified

Real-time analytics on employee usage Labour Law compliant

Customisable to suit company policies GDPR compliant

100% secure and compliant Data Security

How does Refyne work?

Company signs up
Employee requests salary
RefyneRefyne
creditscredits
employee’s

employee’s
RefyneRefyne
reconciles
reconciles
monthly

monthly

with Refyne via Refyne app account

account
instantly
instantly with the
with
company
the company

8 9
Why do employees love this?
Instant salary
Imbibe pride

Access earned pay on-demand when they need it Do away with the need to depend on high-
interest payday loans

Meet unplanned needs

Manage any critical or urgent expenses with ease

Reduce financial burdens

Enable better money management and

planning

Improve productivity

Reduced worries leading to better focus at

work

Overall well-being

Better financial security boosts confidence

and happiness

10 11
About Refyne Our product portfolio includes:
Refyne is based on the simple idea of providing every
individual with the power to control their finances beyond
regular banking. We are on a mission to bring financial
wellness to everyone by leveraging our technology and
capital.

200+ 36%
Clients Retention

1.5 Mn+ 2.6x

Users Faster Hiring

Our esteemed investors

Salary
 Salary Payments Refyne

On-Demand Advance Card

Financial
Savings Pocket
Refyne

Coaching Insurance Score

12 13
Meet our Co-founders Loved by leading corporates

Chitresh Sharma
CEO & Co-founder

A serial entrepreneur with 10+ years of experience, Chitresh

has previously co-founded two tech startups – Swipii and
Cloud9i. Some of his accomplishments include being
featured in Forbes 30under30 and a spot among the Top 100
UK startups.

Apoorv Kumar
CTO & Co-founder

An IIT-Guwahati alumnus with nine years of experience in

finance and tech, Apoorv has worked at Goldman Sachs and
Shubhloans, where he developed fixed-income investment
strategies, built a trading platform, and led tech and data
analytics teams.

14 15
Ready to empower your
workforce?
Write to us at queries@refyne.co.in

Refyne India

Refyne_India

refyne.co.in