India’s Largest Earned Wage Access Platform

India’s largest Earned Wage Access platform

Onboarded

major gig platforms such as e-commerce, mobility, logistics, food-tech and FOS

Choose the best financial platform for your workforce

We cover your entire workforceAll job roles, compensation structures, recruitment models and payment cycles
We make access to small credit super easyFunds available 24/7, no paperwork.
Digital onboarding with 40%+ adoption levels.
We automate tech for the best partner experiencePlug & play products.
Zero recon issues and no operational hassles.

Choose the best financial platform for your workforce

We cover your entire workforceAll job roles, compensation structures, recruitment models and payment cycles

Introducing DAS (Deduction at Source)

We have pioneered DaS in India to simplify loan repayments, EMIs, insurance premiums, and savings contributions directly from worker payouts.

Our core liquidity solutions

EARNED WAGE ACCESS

LINE OF CREDIT

PERSONAL LOAN

Early on-demand access to accrued earnings

EARNED WAGE ACCESS

Early on-demand access to accrued earnings

Partners who trust us

In the news

June 01, 2023

KarmaLife raises Rs 44 crore

The round saw participation from existing investors, including Artha Venture Fund,

march 30, 2022

KarmaLife partners LenDenClub to provide loans for gig workers

KarmaLife, a real-time credit solutions provider for gig workers, has tied-up with LenDenClub...

november 08, 2022

Why is India facing a shortage of gig workers?

The fledgling online delivery platforms are suddenly facing a shortage of delivery partners...

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Meet us

Rohit Rathi

CEO & Co-founder

Ex-Founder of Notion Ink & Smartron. An lIT Kharagpur graduate, technology evangelist.3x Entrepreneur13+ years of startup experience

Badal Malick

CBO & Co-founder

Ex-Snapdeal, Intuit, McKinsey, World Bank. A Yale University alumnus, Chevening Fellow.15+ years of fintech experience

Naveen Budda

CTO & Co-founder

Ex-Smartron & Samsung , has 10 patents in different areas, IIM Ahmedabad Alumni20+ years of product & technology experience

Our Blogs

karma voice | October 11, 2023

Safe Credit for Workers: What Employers Should Know

KarmaLife empowers employers to provide gig workers with safe credit solutions, such as Earned Wage Access, offering financial flexibility and reducing stress. Our compliance-focused...

karma voice | September 15, 2023

How to get Advance salary for my employees?

In this blog, we will explore the concept of advance salary, its benefits, and how KarmaLife’s innovative approach is changing the game for employees seeking financial security.

Empower your workforcewith earnings-linkedfinance