Emerald partners with corporates to offer hassle free on-demand salary solutions
Empower your Employees with Emerald Early Wage Access
What is Early-Wage-Access?
Early-Wage-Access is an on-demand salary access program that enables employers to offer their employees control over their finances with instant access to a portion of their earned salary before pay-day.
Employers that choose Emerald see an increase in retention, job applications, and employee engagement.
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Why Employees will love your company
Withdraw
On-Demand Salary
Access To Other Credit Products
Ability To Split Dues Into Multiple Payments
Transact
Rewards / Offers
Instant Withdrawal
Bill Payments
Be the Company Where Employees stay for Life
Benefits to Employers and Employees
Employers
- Savings on Working Capital
- Zero Investment / Liability
- Simple and Quick Go-Live Process
- Better Talent Acquisition
- Enhance Employee Productivity and Engagement
Employees
- Access to Earned Salary Anytime Anywhere
- Minimum KYC Needed
- No Hidden Charges
- Credit Improvement
- Holistic Financial Wellness Program
How Emerald EWA Works
Emerald EWA is a voluntary financial wellness benefit that is free for employers to offer employees. Think of Emerald EWA as a no-cost way to add value to employees’ lives.
Financial Wellness Controls
Emerald works with employers to customise Earned Wage Access for their employees, offering best practices and in-app controls.
Accessible Anytime Anywhere
Our service is accessible at anytime of the day with instant transfer to the bank account of the employees
Easy to Use
Our service is available on both mobile and web with a very user friendly interface.
Employees are financially stressed
50%
reported personal finance
as their biggest source
of stress
52%
of employees are
unable to fund an
emergency
75%
of employees run out of money
before the end of
the month
64%
believe that early access to
their salaries
can help
Get Started Today in Three Easy Steps
Integrate your HRMS / ERP /Payroll system with Emerald or opt for Emerald as a stand-alone solution
Identify
We start with identifying your specific
needs so you get the most benefit.
Connect
We work closely with your HR-department
to help onboard you to our platform.
Launch
We tailor the communication plan for
ensures a successful launch.
Emerald EWA FAQs
What is Emerald Finance Limited?
Emerald Finance Limited is a Non-Banking Financial Company (NBFC) listed on the Bombay Stock Exchange and is based out of Chandigarh. The company is engaged in the business of retail and MSME lending.
What is Early-Wage-Access?
This is an on-demand salary access program wherein you can withdraw a certain percentage of your salary anytime throughout the month without having to wait for your pay-day.
In how much time is the money credited?
Instantly. The money will be credited into the bank account instantly.
What is the interest charged?
There is no interest to use this facility. We charge a convenience fee at the time of withdrawal. The exact amount shall be visible at the time of withdrawing the money.
What are the benefits of using this facility?
Access to instant cash. You will never have to worry about your emergency needs.
Improvement in CIBIL score. Timely repayment by your employer ensures that your CIBIL will keep improving.
What is the maximum credit limit I can get?
You can get a credit limit of upto 50% of your monthly salary. This amount can be modified (with your consent) as you continue to transact with us.
Who is eligible to use Emerald EWA?
Emerald EWA is for everyone! All you need is a basic smartphone, minimum KYC (Photo ID & address proof) and a bank account.