Refyne

Refyne is one of India’s most trusted Financial Wellness platforms. Refyne has a wide range of products including UPI Scan and Pay, Salary On-Demand, Digital Gold and Insurance and is a One-Stop Shop for all your financial needs.Refyne Offers: * Refyne Pay - Scan Merchant QR Code and make UPI payments directly from your Salary On-Demand or Bank Account * 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 takes the SMS Ready, Write and Receive Permission from the user to complete the SIM Binding (Device Binding) as a security measure for creating UPI Accounts for Scan and Pay. These permissions are mandatory as per the guidelines laid down by the National Payments Corporation of India (NPCI) related to UPI Account creation and payments.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: ₹10,678Our policies & services are fully regulated & 100% compliant with NPCI and RBI guidelines.Eligibility Criteria: * Indian nationality * Applicants 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 detailsHow to use Refyne App: * Sign up with your number or work email * Complete the KYC process * Create UPI Account to enable UPI Scan and Pay to make translations using Salary On-Demand or from Bank Account * Enter the Amount to be withdrawn * Automatic deduction takes place as per the agreed repayment scheduleWhy Choose Refyne? * Make UPI Scan and Pay payments and have an option to make payment from your Bank Account or from your Salary. * Easy & advance access to Earned Salary * Quick & Easy Application Process * Flexible and Multiple Repayment Options * Instant Approval & Credit Activation * No Physical DocumentationWe 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 cloudPrivacy Policy: https://www.refyne.co.in/privacyTerms & Conditions: https://www.refyne.co.in/termsIn case of any query, reach us at :[email protected] OR 080-64899999Address: Prestige Pegasus, Sarjapur - Marathahalli Rd, Ambalipura, Haralur, Bengaluru, Karnataka 560103Disclaimer:The application is SSL-certified, and all transactions are 100% safe and secure.