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Description

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* Enter the Amount to be withdrawn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.
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Screenshots

User Rating

4.37 out of 5

292 ratings in India

5 star
221
4 star
27
3 star
5
2 star
8
1 star
31

Ratings History

Reviews

why my withdrawls are paused

bunny&123 on

when you guys did not deduct my withdrawl amount this month ! its problem from your end why i am unable to withdraw this month very bad ! when you do have access to withdraw!

only waitng for there team approval

rajasthan govt employee on

i am govt employee and since apply i am still waiting for there team reviewed my profile And our state govt tie up with this app pathetic

Not working

sada r on

With i phone its not working

Worst application ever

Dennis.26 on

Disgusting and disrespectful for people at the time of need

Good app

Sadakumar H s on

It’s very useful for me

Unable to login

Zarvice on

Please improve

Withdrawals on hold

Santosh1032020 on

Writing this after 2 months now, wherein withdrawal is paused and every time I try it says withdrawal on hold due to internal reasons. It was working good but what happened all of a sudden, that’s unprofessional!!!

Letter of Appreciation

Jainsahab69 on

Dear Refyne Team, I would like to congratulate your team for building such a lovely platform to withdraw salary😇😇😇😇😇😇😇😇😇😇!!!!!

Long duration 2 months on some % rate of recovery

bharat6272 on

Dear Support, I would like to request if possible you can set instead of 1 months recovery amount set 2 months if users who can pay Long duration 2 months on some % rate of recovery

Waiting

wofisknfoale on

You guys take so long to review my account after I login, been waiting days already, every time I come back to the app it says “our team is reviewing the details and we will get back to you soon”. Please see to this as people like me need cash at very tight situations.

Store Rankings

Ranking History

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Top Free
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Revenue and Downloads

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App Info

Category
Finance
Publisher
Refyne Tech Private Limited
Languages
English
Recent version
1.16.0 (3 weeks ago )
Released on
Jul 12, 2022 (2 years ago )
Last updated
1 month ago