App Profile: Jify Money by Zeo Fin

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 (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 P2P Finance Private Limited (CIN: U65990MH2020PTC339970)
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 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: https://www.jify.co/privacy-policy/
Terms & Conditions: https://www.jify.co/terms-and-conditions/

Support
Need help? We're here for you.
Email: [email protected]
Phone: +91 98200 48614
Website: www.jify.co