Jify: Salary Advance App

Zeo Fin Technology Pvt Ltd

About this app

Jify – Instant Salary Access & Financial Wellness App
Your salary, on your terms.

What You Can Do with Jify:
✅ Access your earned salary instantly (Earned Wage Access)
✅ Avoid credit card debt, overdraft fees, or borrowing from friends
✅ Apply for personal loans via RBI-registered NBFC partners
✅ Enjoy 100% paperless onboarding with simple KYC
✅ Get 24x7 access and financial rewards
✅ Benefit from a secure and compliant platform

💼 What is Earned Wage Access (EWA)?
Jify gives you access to your already earned salary before payday—no interest, no debt, no credit score impact.
Think of it as a financial safety net. For example:
Last payday: 15th of the month
Need money: 25th of the month
You can use Jify to access 10 days of earned wages.
✅ Zero interest
✅ Transparent fee (0–4%)
✅ No borrowing against future income
✅ Repayment via payroll or autopay (no penalties on failure)
✅ No credit bureau reporting

🔐 Example Cost Breakdown/Representation (EWA)
Advance amount: ₹5,000
Transaction fee (e.g. 3%): ₹150
Total repayable: ₹5,000 (salary deduction)
Net disbursed: ₹4,850
APR: 0%
Note: Fees range from 0–4% and are always disclosed upfront.

🏦 Personal Loans
Need more than your earned salary? Jify also offers personal loans through our licensed NBFC partners.

✅ Custom Loan Amount: From ₹5,000 to ₹10,00,000
✅ Flexible Repayment Tenure: From 2 months to 5 years
✅Interest rate: Starting from 9% per annum
✅Annual Percentage Rate (APR): From 17% to 45%*
✅Hassle-Free: 100% Paperless application process
✅ Apply for personal loans via RBI-registered NBFC partners
✅ Enjoy 100% paperless onboarding with simple KYC
✅ Get 24x7 access and financial rewards
✅ Benefit from a secure and compliant platform

🔐 Example Cost Breakdown/Representation (PL)
Loan Amount: ₹50,000
Tenure: 12 months
Interest Rate: 20%
Processing Fees (incl. GST): 2.5% [₹1,250 + ₹225 GST]
Monthly EMI: ₹4,632
Total Interest Payable: ₹4,632 x 12 months - ₹50,000 Principal = ₹5,584
Annual Percentage Rate (APR): 25.85%
Disbursed Amount: ₹50,000 - ₹1,475 = ₹48,525
Total Amount Payable: ₹4,632 x 12 months = ₹55,584
Total Cost of the Loan: Interest Amount + Processing Fees = ₹5,584 + ₹1,250 = ₹6,834


🤝 Who Can Use Jify?
Jify is available to employees of partnered companies.
You must:
1. Be a resident of India
2. Be currently employed by a Jify partner organization
3. Complete a one-time KYC process


🏛️ Our Lending & EWA Partners (RBI-Registered NBFCs)
Jify facilitates salary access and personal loans via:
NDX P2P Private Limited (CIN: U67200MH2018PTC306270)
K. M. Global Credit Private Ltd. (CIN: U65999MH2018PTC308921)
Whizdm Finance Private Limited (CIN: U65929KA2017PTC101703)
✔️ These NBFCs are listed on RBI’s official approved list:
View RBI NBFC Directory


📲 App Permissions
For identity verification and a seamless experience, we request:
Camera & Microphone – For selfie video KYC
Location – To verify current location for KYC


📵 Jify does NOT request access to photos, contacts, or media files in compliance with Google Play’s data safety policies.

🔐 Data Privacy & Security
Your data is secure with Jify:
ISO 27001:2013 certified
100% encrypted (data in transit and at rest)
Data stored & processed only in India
📃 Privacy Policy
📃 Terms & Conditions

📞 Support
Need help? We’re here for you.
📧 Email: [e-mail]
📞 Phone: [phone]
🌐 Website: www.jify.co