Proven. Powerful. Transformative.
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Revolutionizing Financial Inclusion:
How 60 Decibels’ Impact Assessment Unlocked the Potential of KarmaLife’s EWA Product

The Power of Financial Flexibility is essential for gig and blue-collar workers in India, many of whom live paycheck to paycheck. Unforeseen expenses can lead to financial instability, but KarmaLife’s Earned Wage Access (EWA) offers a solution by allowing workers to access their wages before payday. KarmaLife partnered with 60 Decibels, a respected impact measurement agency, to assess EWA's effectiveness. Their findings revealed that EWA not only enhances financial well-being and reduces stress but also empowers users by decreasing reliance on high-interest loans. Through surveys and interviews, the study highlighted the significant impact of timely access to earnings on financial security and planning, showcasing the potential for greater financial inclusion.
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Simplified Tax Filing for Gig Workers

Many gig workers are unaware they can claim TDS refunds by filing their ITRs. At KarmaLife, we stepped in this tax season with a solution that made tax filing easy and affordable. Through expert guidance and simplified processes, we helped workers get their refunds—improving their financial security. And we’re not stopping here. Our mission to financially empower gig workers continues.