Refyne

Refyne, as an Indian Financial Wellness platform, offers a variety of products such as UPI Scan and Pay, Salary On-Demand, Digital Gold, and Insurance. It acts as a comprehensive solution for your financial requirements.

Refyne Offers:

• Refyne Pay - Facilitates UPI payments directly from your Salary On-Demand or Bank Account by scanning Merchant QR Codes
• Salary On-Demand - Granting access to funds up to 1.5x of your salary
• Refyne PRO - A subscription model offering unlimited free transactions
• Money Guru - Access to expert financial tools like Tax and Home Loan Calculator, PF tracker, Credit score check, and more
• Gold Savings - Save in 24K Digital Gold starting from ₹10 with 99.5% Pure Gold and receive doorstep delivery of physical gold

Refyne takes the user's permission for SMS Ready, Write, and Receive to complete SIM Binding (Device Binding) in adherence to the security protocols outlined by the National Payments Corporation of India (NPCI) concerning UPI Account creation and payments.

Refyne has partnered with RBI-authorized and regulated banks and NBFCs:

• Sunita Finlease Ltd (website)
• Olety Finance Ltd (website)
• ICICI Bank (website)

Fee Breakup example 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), 16% p.a. reducing from the 4th month onwards
• Processing fee: ₹99
• GST on processing fee: ₹18
• Total interest: ₹678 (calculated from the 4th to 12th month over a total of 9 months)
• APR: 16%
• Disbursed amount: ₹9,883
• Total loan repayment amount: ₹10,678

The policies and services provided by Refyne are fully regulated and comply entirely with NPCI and RBI guidelines.

Eligibility Criteria:

• Indian nationality
• Applicant's age should be 21 & above
• For employees of partnered companies only; it is not intended for public use as it operates in a closed marketplace.
• The user must be an active employee of the partner company for at least three months with signed employment agreement forms with their employer.

Documents Required:

• PAN card details
• Aadhaar card details/li>
• Employment details/li>

How to use Refyne App:

• Sign up using your number or work email
• >
• Complete the KYC process
• >
• Create a UPI Account to utilize UPI Scan and Pay for transactions using Salary On-Demand or Bank Account
• >
• Enter the Withdrawal Amount </ lI>>
• Deductions occur automatically according to the agreed repayment schedule </ lI>>

Reasons to Choose Refyne:

• Ease of making UPI Scan and Pay payments with options to pay from either Bank Account or Salary </ lI>>
• Quick access to Earned Salary </ lI>>
• Simplified Application Process </ lI>>
• Diverse Repayment Options </ lI>>
• Instant Approval & Credit Activation </ lI>>
• No need for Physical Documentation </ lI>>

We prioritize your Security!

Data security highlights:

• Data encryption with storage & processing in India</ligt;

• No access for Refyne employees to sensitive customer information</ligt;

• User flexibility to delete personal information from Refyne's database anytime</ligt;

• Purge of session logs containing PII data automatically from the cloud</ligt; </ul>

  Data protection policies:

  Privacy Policy Link

  Terms & Conditions Link

  Contact us at:
  Email: support@refyne.co.in
  Phone: +91-7406343332
  

  Address:
  Prestige Pegasus, Sarjapur - Marathahalli Rd, Ambalipura, Haralur, Bengaluru, Karnataka 560103
  

  Note:
  The application is SSL-certified ensuring that all transactions are secure and safe.