Monthly credit line on tap.
Our underwriting model uses non-conventional, mobile generated data to assess users, build Karma scores, and offer better credit. AI also enables a personalized experience that is tailored to deep Karma profiles with in-built incentives to promote responsible financial behavior.
Trust-first & Inclusive
Users don’t need to earn trust, but they can burn trust. Once onboarded, they get instant credit with no questions asked. And as they improve their trust scores, they benefit from higher credit lines and additional services.
Quick, Convenient & Affordable
We prioritize the customer experience over everything else. We have a 3-1-0 system: 3 minutes to decide, 1 minute to enable the credit, and ZERO human touch. And one simple monthly fee -- no complicated charges or collection hassles.
Just Scan/Click & Pay!
We ride on the rails of the digital payments revolution. Users can make direct purchases and pay bills against their KarmaLife credit through our app using India’s world leading BHIM UPI payment system.
We've got your back
Users can opt into group insurance plans that cover death, disability, personal accident, health setbacks & hospitalization. They can also avail tailor made risk management products that enable cash payouts for work loss due to hospitalization, financial protection against layoffs, property & theft insurance, cycle insurance, and many other plans.
Simply Salary linked
We deduct subscriptions and loan repayments in a transparent and convenient manner, directly from user's salary or payment transactions. No hidden charges.
More features coming live soon!
We are building many more exciting features in the coming weeks to more holistically serve the user's financial needs. These include ways to help save & invest in their future as well purchase relevant products & services that bring them economic value.
Tangible Benefits for You
Partner with us so your workforce can better manage their cash flows
- Harvard University study based on US data