With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • July 12, 2022
  • July 3, 2026

Features

Refyne screenshot #1 for iPhone
Refyne screenshot #2 for iPhone
Refyne screenshot #3 for iPhone
Refyne screenshot #4 for iPhone
🖼️Get Icon
Icons↘︎

About

Access salary advances, manage UPI payments, and invest in digital gold. This platform offers financial tips, calculators, and credit score checks. It's a comprehensive tool for managing your finances, with options for loans and savings.

Salary On-Demand access
UPI Scan and Pay
Digital Gold savings
Financial tips and calculators
Credit score checks
Loan and insurance products
Show original description

What's New in Refyne

1.51.0

July 3, 2026

Bug fixes and performance improvements. We’ve tuned up the engine to make your Refyne experience faster and more reliable.

User reviews

User-friendly design

The interface is clean, easy to navigate, and well thought out. Even first-time users can use it without confusion.

Easy and quick process

The application is extremely user-friendly. From login to withdrawal, everything is well-designed and efficient. Funds are credited quickly, making it ideal for urgent requirements.

Great for gig workers

As someone working as a Swiggy Order Delivery role, managing cash flow is important. Refyne helps me access what I’ve already earned without waiting for fixed payout cycles. It has been very useful in maintaining financial flexibility.

Helped me fix my phone

When my phone suddenly stopped working, I needed money urgently for repairs. Instead of borrowing from someone, I used Refyne provided by Deloitte to access my salary early. The process was seamless and solved my problem instantly.

Very helpful before salary day

The days leading up to payday can sometimes be financially tight. Refyne has been extremely helpful in bridging that gap by allowing access to earned salary without waiting. It provides a strong sense of financial control and peace of mind.

FAQ

What is Refyne?

Refyne is a financial wellness platform that offers services like Salary On-Demand, UPI payments, and digital gold savings. It aims to be a one-stop shop for various financial needs.

What are the loan terms for Refyne Salary On-Demand?

Loan amounts range from ₹1,000 to ₹10,00,000 with an Annual Percentage Rate (APR) between 8% and 36%. Repayment periods are from 90 days to 24 months. Processing fees can be up to 7% of the loan amount plus GST, but there are no prepayment or late fees.

How does Refyne ensure security for UPI payments?

Refyne requests SMS read, write, and receive permissions to complete SIM Binding for UPI account creation. These permissions are mandatory as per NPCI guidelines for UPI account creation and payments.

Who is eligible to use Refyne?

Eligibility requires Indian nationality, an age of 21 and above, and employment with a partnered company for at least three months. It operates as a closed marketplace for employees of these specific companies.

Does Refyne have ads?

Yes, Refyne contains advertisements. This is indicated by the 'hasAds' flag in its data.

What financial tools does Refyne offer?

Refyne provides access to expert financial tips and tools, including a Tax Calculator, Home Loan Calculator, PF tracker, and a Credit score check feature.

How can I save in digital gold with Refyne?

You can save in 24K Digital Gold starting from ₹10, which is 99.5% pure gold. Refyne also offers doorstep delivery of physical gold.

What documents are needed to use Refyne?

To use Refyne, you will need to provide your PAN, Aadhaar, and employment details as part of the KYC process.