Jify: Loans and Salary Advance

Zeo Fin Technology Pvt Ltd

About this app

Jify: Personal Loans and Salary Advance

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

🏦 Personal Loans
Jify Personal Loans - our primary loan product for India’s working workforce. Get funds from ₹5,000 up to ₹10 Lakhs anytime and anywhere. We offer fast approvals and paperless KYC powered by our RBI-registered NBFC lending 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

* Personal loan will be approved and disbursed by Jify’s lending partners.

💼 Earned Wage Access (EWA)
Jify also gives instant access to your earned salary before payday—no interest, no debt, no credit score impact. Your salary, anytime you want it, in just 60 seconds!
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)

🔐 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.


🤝 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 personal loans and salary access via:
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

What’s new

Improvements and bug fixes