SalarySe: UPI, Credit, Rewards

Critical Path Technologies

About this app

SalarySe is the ultimate financial app tailored for salaried individuals. Whether it’s making secure UPI payments, accessing instant personal loans, investing in high-interest fixed deposits, or grabbing the best gift card deals, SalarySe is your one-stop financial solution.

🌟 Why SalarySe?
From managing daily expenses to achieving long-term financial goals, SalarySe offers everything you need.

Key Features
📲 SalarySe UPI – Secure & Rewarding Payments
• Make fast, secure UPI payments using our NPCI-approved system.
• Link multiple bank accounts and enjoy seamless transactions.
• Earn assured rewards (Scoins) for every transaction you make.
• Scan & pay anywhere—online or in stores.

💰 QuickLoans – Instant Cash, Anytime
• Get instant loans up to ₹5 lakh in just a few clicks.
• No paperwork, fast approval, and competitive personal loan interest rates.
• Perfect for emergencies or planned expenses.

💳 Up Credit Card – Rewards with Every Swipe
• Turn your everyday spending into gift cards or cash with 10X rewards on UPI spends.
• Apply and get the best Rupay credit card in seconds.
• Easy application, exclusive credit card offers, and instant rewards.

💳 Credit Card on UPI – Link Your Rupay Credit Card
• Link your Rupay credit card to SalarySe UPI for hassle-free payments.
• Earn assured rewards from SalarySe on top of your credit card rewards for every UPI payment.
• Redeem rewards directly into your bank account or enjoy exclusive deals at discounted rates.


⚡ InstaCash – Your Salary, Instantly
• Access up to 50% of your salary within 2 seconds with no approvals needed.
• Get instant financial support when you need it most.

📈 Invest – Best Fixed Deposit Interest Rates
• Earn up to 9.1% FD interest rates on your investments.
• Start with as little as ₹500 and grow your wealth securely.
• Our fixed deposits are DICGC-insured for complete peace of mind.

🎁 Exclusive Gift Card Deals
• Unlock up to 60% discounts on top brands like Amazon and Flipkart.
• Redeem your rewards (Scoins) for cash or exciting gift cards.

🌟 Benefits of Using SalarySe
• Invest in fixed deposits with top industry rates.
• Make hassle-free UPI payments while earning rewards.
• Enjoy exclusive credit card offers and instant cash loans.
• Access the best personal loans and instant loans online with ease.

🔒 Your Security Is Our Priority
• Advanced encryption safeguards your financial data.
• SIM binding ensures secure transactions on your trusted device.
• Biometric or PIN authentication for added protection.

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:
Almondz Finanz Ltd: https://almondzfinanz.com/
Sugmya Finance Pvt Ltd: https://www.sufinn.com/new/

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