Employee finance, all in one app
Salary on time, advances when it’s tight, cover when it counts — the money side of work, sorted.
Kredily brings the financial-wellness benefits employees care about into the app they already use for payslips and leave: on-time salary, earned-wage access and loans, group insurance, and self-service on their own pay. You offer a real benefit; regulated partners provide the finance.
Money stress is a retention problem
Employees who can smooth a cash-flow bump, insure their family and see exactly what they earn are calmer, more focused and likelier to stay. Financial wellness isn’t a perk — it’s retention.
Paid on time, every time
Salaries disbursed directly through Kredily’s ICICI integration, or a bank advice file for any bank — with every transfer tracked. See Payout.
One app for everything money
Payslips, tax, salary structure and Form 16 are self-serve in the employee app — and Copilot answers “why did my tax change?” from their own data.
Alongside payroll, not bolted on
Advances, loans, insurance and benefits sit in the same platform you run payroll on — nothing to reconcile across separate vendors.
Regulated by design
Lending runs through RBI-regulated partners and insurance through IRDAI-regulated partners. Kredily is the platform that brings them into HR & payroll — not the lender or insurer.
Four ways Kredily helps employees with money
Each links to its own page — here’s how they fit together.
Salary advances & earned-wage access
Employees draw a part of already-earned salary when they need it, funded by RBI-regulated lending partners and recovered through payroll. See salary advances →
Loans, recovered from payroll
Kredily’s built-in loan module lets you sanction a loan or advance, set the EMI, and recover it automatically from salary each cycle — tracked on the loan dashboard and shown on the payslip.
Group insurance
Health and accident cover through IRDAI-regulated insurance partners, enrolled and accessed in the app. See insurance →
Benefits marketplace
Perks, vouchers and financial-wellness offers through partners — the line-up varies by partner and plan. See benefits →
Finance that lives inside payroll
Enable the benefit
Turn on advances, loans, insurance or the marketplace for your team. Employees see them in the app they already use — no separate sign-up journey.
Employees choose
They request an advance or loan, browse cover, and ask Copilot about their own pay — within their permissions, on their own data.
Recovered & reconciled in payroll
Loan and advance repayments deduct automatically as EMIs each cycle and show on the payslip — nothing to reconcile by hand.
Who does what
Financial products carry terms — here’s the honest division of roles.
What Kredily does
- Brings advances, loans, insurance and benefits into your HR & payroll
- Runs the payroll loan module and recovers EMIs from salary
- Disburses salary via the ICICI integration and tracks every transfer
What partners do
- RBI-regulated partners fund salary advances and loans under their terms
- IRDAI-regulated insurers provide the cover and settle claims
- Eligibility, pricing and terms are set by the partner, not Kredily
What employees get
- Money help in one familiar app, subject to partner eligibility & terms
- Full visibility of pay, deductions and Form 16
- Copilot answers about their own salary, before they decide
Employee finance questions, answered
What is employee financial wellness?
Is Kredily the lender or insurer?
How do salary advances and loans work?
Does offering advances affect my cash flow?
What insurance can employees get?
Where do employees see all this?
Do I need a paid plan to offer these benefits?
Are eligibility and terms guaranteed?
Explore more
Give your team financial peace of mind.
On-time pay, advances, loans, insurance and benefits — one platform, regulated partners.