Refyne
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| Rating | |||
|---|---|---|---|
| India | 100%571 | 3.98 |
Description
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:
Salary On-Demand - Access funds up to 1.5x of salary
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 -
Refyne Finance Private Limited (https://www.refynefinance.com/our-digital-partners)
Important Things to Note About Refyne Salary On-Demand -
Loan Amount: Rs 1,000 to Rs 10,00,000
Minimum Annual Percentage Rate (APR): 8%,
Maximum Annual Percentage Rate: 36% (reducing balance)
Minimum repayment period: 90 days, Maximum repayment period: 24 months
Processing Fees: Max (₹350 + GST, Up to 1%-5% of loan amount plus GST)
Prepayment Fees: Zero
Late fee: Zero
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 NPCI and 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 and add the bank account
Enter the Amount to be withdrawn
Automatic deduction takes place as per the agreed repayment schedule
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.