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Empower your workforce
with earnings-linked
finance

Enjoy productivity and
retention benefits

India’s largest Earned Wage Access platform

Onboarded

major gig platforms such as e-commerce, mobility, logistics, food-tech and FOS

How does EWA Work?
How does EWA Work?

Choose the best financial platform for your workforce

  • We cover your entire workforceAll job roles, compensation structures, recruitment models and payment cycles
  • We make access to small credit super easyFunds available 24/7, no paperwork.
    Digital onboarding with 40%+ adoption levels.
  • We automate tech for the best partner experiencePlug & play products.
    Zero recon issues and no operational hassles.

Choose the best financial platform for your workforce

We cover your entire workforceAll job roles, compensation structures, recruitment models and payment cycles
Introducing DAS (Deduction at Source)

We have pioneered DaS in India to simplify loan repayments, EMIs, insurance premiums, and savings contributions directly from worker payouts.

Our core liquidity solutions
  • EARNED WAGE ACCESS
  • LINE OF CREDIT
  • PERSONAL LOAN
  • Early on-demand access to accrued earnings
EARNED WAGE ACCESS
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Early on-demand access to accrued earnings
Partners who trust us
In the news
April 06, 2024

SIDBI partners fintech platform KarmaLife for micro loans to gig workers

KarmaLife will help gig workers access micro loans through a mobile app...

June 01, 2023

KarmaLife raises Rs 44 crore

The round saw participation from existing investors, including Artha Venture Fund,

march 30, 2022

KarmaLife partners LenDenClub to provide loans for gig workers

KarmaLife, a real-time credit solutions provider for gig workers, has tied-up with LenDenClub...

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Meet us

Rohit Rathi

CEO & Co-founder

Ex-Founder of Notion Ink & Smartron. An lIT Kharagpur graduate, technology evangelist.3x Entrepreneur13+ years of startup experience

Badal Malick

CBO & Co-founder

Ex-Snapdeal, Intuit, McKinsey, World Bank. A Yale University alumnus, Chevening Fellow.15+ years of fintech experience

Naveen Budda

CTO & Co-founder

Ex-Smartron & Samsung , has 10 patents in different areas, IIM Ahmedabad Alumni20+ years of product & technology experience

Our Blogs
Karmalife credit for workers
karma voice | October 11, 2023

Safe Credit for Workers: What Employers Should Know

KarmaLife empowers employers to provide gig workers with safe credit solutions, such as Earned Wage Access, offering financial flexibility and reducing stress. Our compliance-focused...

Read More >>
Karmalife wellness for workers
karma voice | September 15, 2023

How to get Advance salary for my employees?

In this blog, we will explore the concept of advance salary, its benefits, and how KarmaLife’s innovative approach is changing the game for employees seeking financial security.

Read More >>