---
title: "Jify Money by Zeo Fin - Reviews, Revenue and Downloads in India | Apple App Store"
description: "Jify – Instant Salary Access & Financial Wellness App Your salary, on your terms.  What You Can Do with Jify: - Access your earned salary instantly (Earned Wage Access) - Avoid credit card debt, overd"
---

# Jify Money by Zeo Fin — India
> Financial Wellness

![Jify Money by Zeo Fin App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/a8/8a/f4/a88af444-3a73-71dd-0705-ab407c2fd713/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/434x0w.png)

**Developer:** [Zeo Fin Technology Private](https://apptail.io/developer/zeo-fin-technology-private-pjob)
**Category:** Finance
**Rating:** 4.6/5 (2,017 ratings)
**Price:** Free
**Bundle ID:** com.jify.mobile
**Store:** Apple App Store
**Country:** India
**Version:** 5.3.0 (released 2026-06-09)
**Original Release:** 2021-12-13
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id1591896706)
**AppTail Page:** [https://apptail.io/app/jify-money-by-zeo-fin-ecki/india](https://apptail.io/app/jify-money-by-zeo-fin-ecki/india)

## Jify Money by Zeo Fin Description
Jify – Instant Salary Access & Financial Wellness App
Your salary, on your terms.

What You Can Do with Jify:
- Access your earned salary instantly (Earned Wage Access)
- Avoid credit card debt, overdraft fees, or borrowing from friends
- Apply for personal loans via RBI-registered NBFC partners
- Enjoy 100% paperless onboarding with simple KYC
- Get 24x7 access and financial rewards
- Benefit from a secure and compliant platform


What is Earned Wage Access (EWA)?
Jify gives you access to your already earned salary before payday—no interest, no debt, no credit score impact.
Think of it as a financial safety net. For example:
Last payday: 15th of the month
Need money: 25th of the month
You can use Jify to access 10 days of earned wages.
- Zero interest
- Transparent fee (0–4%)
- No borrowing against future income
- Repayment via payroll or autopay (no penalties on failure)
- No credit bureau reporting

Example Cost Breakdown (EWA)
Advance amount: ₹5,000
Transaction fee (e.g. 3%): ₹150
Total repayable: ₹5,000 (salary deduction)
Net disbursed: ₹4,850
APR: 0%
Note: Fees range from 0–4% and are always disclosed upfront.

Personal Loans
Need more than your earned salary? Jify also offers personal loans through our licensed NBFC partners. 

- Custom Loan Amount: From ₹5,000 to ₹10,00,000
- Flexible Repayment Tenure: From 2 months to 5 years
- Interest rate: Starting from 9% per annum
- Annual Percentage Rate (APR): From 17% to 45%*
- Hassle-Free: 100% Paperless application process
- Apply for personal loans via RBI-registered NBFC partners
- Enjoy 100% paperless onboarding with simple KYC
- Get 24x7 access and financial rewards
- Benefit from a secure and compliant platform

Example Cost Breakdown/Representation (PL)
Loan Amount: ₹50,000
Tenure: 12 months
Interest Rate: 20%
Processing Fees (incl. GST): 2.5% [₹1,250 + ₹225 GST]
Monthly EMI: ₹4,632
Total Interest Payable: ₹4,632 x 12 months - ₹50,000 Principal = ₹5,584
Annual Percentage Rate (APR): 25.85%
Disbursed Amount: ₹50,000 - ₹1,475 = ₹48,525
Total Amount Payable: ₹4,632 x 12 months = ₹55,584
Total Cost of the Loan: Interest Amount + Processing Fees = ₹5,584 + ₹1,250 = ₹6,834


Who Can Use Jify?
Jify is available to employees of partnered companies.
You must:
1. Be a resident of India
2. Be currently employed by a Jify partner organization
3. Complete a one-time KYC process



Our Lending & EWA Partners (RBI-Registered NBFCs)
Jify facilitates salary access and personal loans via:
NDX P2P Private Limited (CIN: U67200MH2018PTC306270)
K. M. Global P2P Finance Private Limited (CIN: U65990MH2020PTC339970)
Whizdm Finance Private Limited (CIN: U65929KA2017PTC101703)
These NBFCs are listed on RBI's official approved list:
View RBI NBFC Directory



App Permissions
For identity verification and a seamless experience, we request:
Camera & Microphone – For selfie video KYC
Location – To verify current location for KYC


Jify does NOT request access to photos, contacts, or media files in compliance with data safety policies.

Data Privacy & Security
Your data is secure with Jify:
ISO 27001:2013 certified
100% encrypted (data in transit and at rest)
Data stored & processed only in India
Privacy Policy: 
Terms & Conditions: 

Support
Need help? We're here for you.
Email: support@jify.co
Phone: +91 98200 48614
Website: www.jify.co

## Jify Money by Zeo Fin Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/ad/29/7b/ad297b4a-85d7-b6f9-85be-f7afde403f88/3b029a47-246b-448c-9ff0-665a44d051b1_Frame_1707479570.png/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource116/v4/c1/64/17/c1641714-f233-928d-4094-8151faab9f35/8f33ed02-f87e-4646-b78f-0fe1f94e04fd_Frame_1707479566.png/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/8c/8e/ad/8c8ead25-afc5-1021-7030-d1ed441bd99e/85cb7fbf-4b88-4805-99c7-b5bf99ed68de_Frame_1707479567.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/ae/43/da/ae43da41-5a13-1145-d016-aec12361fa2f/a5a28d40-67a1-45d9-bc36-816827a1b623_Frame_1707479568.png/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/9d/26/60/9d266068-7a17-7ceb-a4ed-4ad969c92514/b7cb26f9-d7b2-4eae-850a-83668bfee8cd_Frame_1707479569.png/1242x2688.png)

## Jify Money by Zeo Fin Rating Breakdown in India
- 5 stars: 1,702 (84%)
- 4 stars: 121 (6%)
- 3 stars: 38 (2%)
- 2 stars: 13 (1%)
- 1 stars: 143 (7%)

## Jify Money by Zeo Fin Reviews in India

### *---- "Pathetic app"
They claim they are providing 4x salary in advance . They don’t even give 20% of your salary in advance.
Plus if u use this facility it effects you to get loan with other bank as ur salary shows less credited.
-- Gowhar.s, 2024-12-07

### *---- "Poor service"
Poor service…no response from customer care
-- Viveksh85, 2024-12-06

### *---- "Bad app don’t use it"
Worst app ever seen they are taking more than 10 days for KYC still they are not able find out what’s is issue first they were giving money without interest now they are charging money Use less customer care service can’t able to give Negative rating
-- Amey Raut 4444, 2024-11-30

### ***** "Review"
Best aap
-- Surya ranjan pandey, 2024-11-09

### *---- "Poor service"
They showing 30min for kyc req whole day goes still kyc pending
-- Aksskkc, 2024-11-09

### *---- "Worst service by jify"
My experience with this loan app has been disappointing. While the application process was straightforward, getting support afterward was a struggle. Customer service is very hard to reach—no response via phone, and it took several emails and months to address my issues. The lack of timely support made the experience frustrating, and I hope they improve their customer service and response times. Still they need proof about our concerns
-- Shagar dev, 2024-11-05

### *---- "VERY VERY VERY BAD FOR YOUNGSTERS AND SALARIED PERSON ITS MAKE HABIT TO WITHDRAW MONEY CARGES"
they make charges on every transaction on you advance salary system why ?
-- mudassirali, 2024-10-21

### *---- "Problem remain unresolved"
Not getting solution for my concern even after dropping 4 emails. Seems like no one is interested solving the same
-- Saumya0312, 2024-10-18

### *---- "not good application time west"
I had download this app twice in gap of 1 or 2 month both time i have added company name after that app shows call support or email to hr
-- Smnsjdhdhdhdh, 2024-10-11

### *---- "Low quality app & customer care"
Very bed exprince customer care not supportive I have never seen such bad customers, service and app.
-- 40186, 2024-09-19

[View all Jify Money by Zeo Fin reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)



## Jify Money by Zeo Fin Discovered Keywords
- wellnesson

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