About SalarySe

SalarySe provides a Credit-on-UPI platform specifically designed for salaried employees, allowing them to access up to 12 months of salary instantly through a seamless digital interface. This solution addresses the cash flow challenges faced by employees by enabling immediate access to funds without waiting for payday.

<problem> Salaried employees often face cash flow challenges between paychecks, especially those who are not well-served by traditional banking systems. Accessing credit for immediate needs can be difficult and time-consuming, requiring extensive paperwork and approvals. </problem> <solution> SalarySe provides a comprehensive financial platform designed for salaried individuals, offering instant access to credit and various financial tools through a seamless digital interface. The platform enables users to make secure UPI payments, access instant personal loans, invest in fixed deposits with high-interest rates, and avail exclusive gift card deals. SalarySe integrates with HR management software to tap into salary data, offering credit lines and virtual co-branded credit cards, and partners with banks to provide credit on UPI. The platform also promotes financial literacy through easy-to-understand modules on budgeting, saving, and investing. </solution> <features> - Secure UPI payments via an NPCI-approved system with reward points (Scoins) for every transaction - Instant personal loans up to ₹5 lakh with fast approval and competitive interest rates - Up Credit Card offering 10X rewards on UPI spends, redeemable for gift cards or cash - InstaCash feature providing access to up to 50% of earned salary within 2 seconds - Fixed deposit investments with up to 9.1% interest rates, DICGC-insured, starting from ₹500 - Exclusive gift card deals offering up to 60% discounts on top brands - Financial literacy hub with modules on budgeting, saving, and investing - SIM binding and biometric/PIN authentication for enhanced security - Integration with HR management software for streamlined access to salary data </features> <target_audience> SalarySe primarily targets salaried employees, particularly those in mid-tier companies and tier 2/3 cities, who are underserved by traditional banks and seek convenient access to credit and financial services. </target_audience> <revenue_model> SalarySe generates revenue through interest on personal loans, transaction fees on UPI and credit card usage, and commissions from fixed deposit investments and gift card sales. </revenue_model>

What does SalarySe do?

Where is SalarySe located?

SalarySe is based in Gao, India.

When was SalarySe founded?

SalarySe was founded in 2020.

How much funding has SalarySe raised?

SalarySe has raised 5310000.

Location

Gao, India

Founded

2020

Funding

5310000

Employees

44 employees

Major Investors

Surge

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SalarySe

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Executive Summary

salaryse.com 7K+

Crunchbase

Founded 2020 – Gao, India

Funding

Estimated Funding

$5M+

Major Investors

Surge

Team (40+)

No team information available.

Company Description

Problem

Salaried employees often face cash flow challenges between paychecks, especially those who are not well-served by traditional banking systems. Accessing credit for immediate needs can be difficult and time-consuming, requiring extensive paperwork and approvals.

Solution

SalarySe provides a comprehensive financial platform designed for salaried individuals, offering instant access to credit and various financial tools through a seamless digital interface. The platform enables users to make secure UPI payments, access instant personal loans, invest in fixed deposits with high-interest rates, and avail exclusive gift card deals. SalarySe integrates with HR management software to tap into salary data, offering credit lines and virtual co-branded credit cards, and partners with banks to provide credit on UPI. The platform also promotes financial literacy through easy-to-understand modules on budgeting, saving, and investing.

Features

Secure UPI payments via an NPCI-approved system with reward points (Scoins) for every transaction

Instant personal loans up to ₹5 lakh with fast approval and competitive interest rates

Up Credit Card offering 10X rewards on UPI spends, redeemable for gift cards or cash

InstaCash feature providing access to up to 50% of earned salary within 2 seconds

Fixed deposit investments with up to 9.1% interest rates, DICGC-insured, starting from ₹500

Exclusive gift card deals offering up to 60% discounts on top brands

Financial literacy hub with modules on budgeting, saving, and investing

SIM binding and biometric/PIN authentication for enhanced security

Integration with HR management software for streamlined access to salary data

Target Audience

SalarySe primarily targets salaried employees, particularly those in mid-tier companies and tier 2/3 cities, who are underserved by traditional banks and seek convenient access to credit and financial services.

Revenue Model

SalarySe generates revenue through interest on personal loans, transaction fees on UPI and credit card usage, and commissions from fixed deposit investments and gift card sales.