SalarySe: UPI, Credit, Rewards

Critical Path Technologies

About this app

SalarySe is a financial wellness app with a singular focus - simplifying money for salaried employees, powered by UPI. With SalarySe, salaried employees can unlock the unparalleled power of their monthly salary:
a. Pay anywhere, everywhere with Credit on UPI
b. Access up to 100% salary any day of the month
c. Pay-as-you-use personal loan limit to cover big ticket expenses
d. Everyday savings with over 300+ partner brands
e. Highest rewards and best deals, powered by your salary
f. Curated investment opportunities in Fixed Deposits of top banks & NBFCs

Join us in this financial journey that redefines how you spend, save, and invest your hard-earned salary.

Security features to safeguard your financial information:
a. Protection from unauthorized access with the phone’s default PIN/biometric.
b. Protection against frauds using SIM binding. This feature utilizes SMS permission on your phone to bind your login credentials to a single trusted device.

Personal Loan T&C (Available for selected users)
* Min & max period for repayment - 3 to 60 months
* Max Annual Percentage Rate (APR): 36%
For a loan taken, the below charges are applicable:
APR: 12%- 36%
PF: 1%- 3% (GST applicable)
Late payment & penal charges: INR 500-1000 for every missed/delayed installment (GST applicable)
T&C: Terms and Conditions
Privacy policy: Privacy Policy
Registered NBFC & Bank:
Sugmya Finance Pvt Ltd: Sugmya Finance Pvt Ltd
Our Collaborators
Sugmya offers credit products through SalarySe platform which is owned by Critical Path Technologies Private Limited.
A representative example of the total cost of the loan, including principal & all applicable fees:
(Applicable for all above lenders)
Loan Amount/Principal: ₹50000
Tenure: 12 months
Rate of Interest: 15% per annum
Processing Fee: ₹1000 (2% inclusive GST)
Total Interest: ₹4156
EMI: ₹4513
APR: 18.89%
Amount Disbursed: ₹49000
Total Repayment Amount: ₹54156

Permissions for App and reasons:
SMS: to verify Phone number for UPI registration(Device binding)
Contacts: for phone numbers to send money to via UPI
Camera: to scan QR code for UPI payments
Storage: to upload QR in UPI scanner for payments and to save transaction screenshots

SalarySe office: plot no. 1956, 2nd floor, sector 57, gurgaon 122001, Haryana