KarmaLife – Solving Finance Responsibly

Monthly credit line on tap.

AI-powered scores

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

LOWER COSTS

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

HIGHER RETENTION

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

BRAND BOOST

Extend superior financial benefits to your workers and partners.

RISK FREE

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