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/Representation (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 Credit Private Ltd. (CIN: U65999MH2018PTC308921) 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 Google Play’s 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: [email protected] 📞 Phone: +91 98200 48614 🌐 Website: www.jify.co