Monthly credit line on tap.

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



Cost reduction due to higher worker productivity, lower pilferage and lower overheads.


Up to 30% reduced churn due to greater satisfaction and engagement.


Extend superior financial benefits to your workers and partners.


No liability, minimal cost.
[There is] enormous potential for FinTech financial solutions delivered through the employee channel to improve financial health and reduce stress among low-income [employees].., and significantly reduce the turnover costs of large employers
- Harvard University study based on US data

Interested ?
Write to us now!

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