Refyne

Refyne is one of India’s most trusted Financial Wellness platforms. Refyne has a wide range of products including Salary On-Demand, Digital Gold and Insurance and is a One-Stop Shop for all your financial needs. Refyne Offers: * Salary On-Demand - Access funds up to 1.5x of salary * Refyne PRO - Subscription model which allows unlimited free transactions * Money Guru - Access expert financial tips and tools like Tax & Home Loan Calculator, PF tracker, Credit score check and more * Gold Savings - Save in 24K Digital Gold starting from ₹10, 99.5% Pure Gold with doorstep delivery of physical gold Refyne has partnered with RBI-authorised NBFCs - * Sunita Finlease Ltd. (https://www.sunitafinance.com/) * Olety Finance Private Ltd (https://oletyfinance.in/) Below is an example of the fee breakup for a Salary On-Demand transaction: * Loan Amount: ₹10,000 * Minimum repayment period: 3 months * Maximum repayment period: 12 months * Interest rate: 0% (for the first 3 months), 4th month onward, 16% p.a. reducing * Processing fee: ₹99 * GST on processing fee: ₹18 * Total interest: ₹678 (calculated from 4th to 12th month, in total 9 months) * APR: 16% * Disbursed amount: ₹9,883 * Total loan repayment amount: ₹10,678 Our policies & services are fully regulated & 100% compliant with RBI guidelines. Eligibility Criteria: * Indian nationality * Applicant's age should be 21 & above * Only for employees of partnered companies. This is a closed marketplace and is not intended for public use. * The user must be an active employee of the partner company for at least three months and have signed employment agreement forms with their employer. Documents Required: * PAN * Aadhaar * Employment details How to use Refyne App: * Sign up with your number or work email * Complete the KYC process * Enter the Amount to be withdrawn * Automatic deduction takes place as per the agreed repayment schedule Why Choose Refyne? * Easy & advance access to Earned Salary * Quick & Easy Application Process * Flexible and Multiple Repayment Options * Instant Approval & Credit Activation * No Physical Documentation We care for you! * Refyne is ISO 27001:2013 certified & SOC2 compliant * Data encryption with storage & processing in India * 100% safe & secure, with Refyne employees having no access to customer’s sensitive information * Flexibility for users to delete their personal information from Refyne database anytime * Any session logs containing PII data of the users are automatically purged from the cloud Privacy Policy: https://www.refyne.co.in/privacy Terms & Conditions: https://www.refyne.co.in/terms In case of any query, reach us at : [email protected] OR 080-64899999 Address: Prestige Pegasus, Sarjapur - Marathahalli Rd, Ambalipura, Haralur, Bengaluru, Karnataka 560103 Disclaimer: The application is SSL-certified, and all transactions are 100% safe and secure.