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, regulated banks & NBFCs -
* Sunita Finlease Ltd (https://www.sunitafinance.com/)
* Olety Finance Ltd (http://oletyfinance.in/)
* ICICI Bank (https://www.icicibank.com/)

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* Enter the Amount to be withdrawn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 +917406343332
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.