Medical expenses
A hospital bill or medicine for a family member, mid-month.
Earned Wage Access & Salary Advance
Your Salary. Your Time. Your Flow.
Financial flexibility for employees. A stronger workforce for employers.
SalaryFlow helps businesses introduce Earned Wage Access and Salary Advance solutions, giving eligible employees greater flexibility to manage their financial needs through a mobile-first experience.
- Funded by Dhvija Finance Limited, a Non-Banking Financial Company (NBFC)
- Employees request funds in the SalaryFlow app
Good morning,
Priya S.
Earned Wage Access · available
₹8,800
Earned so far ₹21,600Day 18/30
Next payday
31 Oct
in 12 days
Used this cycle
₹2,000
Within limit
Recent activity
- Credited09 Oct₹2,000
- Settled on payday30 Sep₹3,500
Illustrative screens. Names and figures are examples only, not actual data or limits.
A pay cycle, seen the SalaryFlow way Illustrative
Wages are earned every working day. Salary arrives once. SalaryFlow helps with the days in between.
- Earned
- Already accessed
- Still to come
- Payday & settlement
Day 1Today · Day 18Payday · Day 30
Employer-linked programme
Offered only through participating employers.
Regulated lender
Dhvija Finance Limited assesses, approves and funds requests.
Charges shown upfront
Employees see applicable charges before they confirm.
Mobile-first
Eligibility, requests and tracking in one app.
The problem
Because financial needs don't always wait for payday.
Medical expenses, household commitments and unexpected emergencies do not always align with monthly salary cycles. SalaryFlow helps participating employers make structured, salary-linked financial solutions available to their workforce.
Household commitments
School fees, rent and bills with fixed due dates.
Unexpected emergencies
Repairs, travel or urgent needs that can't wait.
Our solutions
Two separate products for different needs.
Product 1
Earned Wage Access
Access an eligible portion of wages you have already earned in the current pay cycle, before payday.
- Linked to wages already earned
- Settled through payroll on payday
- Charges shown before you confirm
Product 2
Salary Advance
Apply for a short-term, salary-linked loan from Dhvija Finance Limited, subject to eligibility, assessment and approval.
- Not limited to wages earned so far
- Key Facts Statement before you accept
- Repayment as per the loan terms
For employers
An employee benefit designed for today's workplace.
Strengthen your employee value proposition and replace informal salary advance requests with a structured programme, funded by Dhvija Finance Limited rather than your organisation.
Employee financial wellbeing
An additional option for eligible short-term needs.
Retention and engagement
A practical benefit that shows your people you support them.
Simpler HR administration
Fewer ad-hoc advance requests to process by hand.
Payroll coordination
Settlement summaries each pay cycle for your finance team.
Review your request
Illustrative- Amount requested
- ₹3,000
- Applicable charges
- Shown here before you confirm
- Credited to
- Bank a/c ••4417
- Settled from salary on
- 31 Oct
Confirm request
Illustrative screen. Charges depend on the applicable product terms.
For employees
Your earnings. More flexibility. Less waiting.
See your options
View available products and your eligibility in the app.
Know the cost first
Review charges and terms before you submit a request.
Request what you need
Choose an amount within your eligible limit.
Track everything
Requests, credits and repayments in the app.
How the programme is structured
Clear roles for everyone involved.
SalaryFlow works through an employer partnership. Each party has a defined role, set out in the agreements and product terms.
Employer
- Offers the programme as a benefit
- Shares agreed employee data
- Coordinates payroll settlement
SalaryFlow
- Technology platform and mobile app
- Onboarding, requests and support
- Settlement summaries for employers
Dhvija Finance Limited
Lender · Non-Banking Financial Company (NBFC)
- Assesses and approves requests
- Provides the funds
- Sets the lending terms
Employee
- Registers and completes verification
- Reviews charges, then requests
- Repays through payroll as authorised
Industries
Built for India's frontline and shift-based workforces.
Healthcare & Hospitals
Help eligible nursing, administrative and support staff at hospitals, clinics and diagnostic centres manage short-term financial needs between paydays.
ExploreSecurity Agencies
Introduce salary-linked financial solutions for eligible security personnel deployed across your client sites.
ExplorePayroll-linked settlement
How repayment works, in five steps.
-
During the month1/5
Employee requests
The employee reviews charges and terms in the app, gives the repayment authorisation and submits a request.
-
On approval2/5
Funds credited
If approved, Dhvija Finance Limited credits the amount to the employee's registered bank account.
-
Before payday3/5
Settlement summary
The employer receives a summary of amounts due for the pay cycle.
-
Payday4/5
Payroll settlement
The amount due is settled through payroll, as set out in the employee's authorisation and the employer agreement.
-
After payday5/5
Reconciliation
Settled amounts are matched and the employee can see the repayment in the app.
The exact settlement arrangement is set out in each employer agreement and in the product terms the employee accepts.
Transparency & responsibility
Clear terms. Consent first. No surprises.
Access to financial solutions should be transparent, convenient and responsibly managed.
Consent first
Employment and payroll information is used with the employee's consent.
Charges disclosed upfront
Applicable charges and terms are shown before a request is confirmed.
Programme limits
Eligibility and limits apply. Approval is not guaranteed.
A route for complaints
Support first, then a named Grievance Redressal Officer.
What is SalaryFlow?
SalaryFlow provides Earned Wage Access and Salary Advance solutions to eligible employees through participating employer programmes. Employees use the SalaryFlow mobile app; employers coordinate employee data and payroll settlement.
Who provides the funds?
Dhvija Finance Limited is the lender. It assesses, approves and funds requests made through SalaryFlow, under its own terms. SalaryFlow provides the technology platform.
Who pays the charges?
Employees pay the applicable product charges, which are shown to them before they confirm a request. Any commercial arrangement with your organisation is agreed separately.
Does my employer need to participate?
Yes. SalaryFlow is available only to employees of participating employers. If your employer has not joined yet, you can tell us about them on the Contact page.
How do I register in the app?
Download the SalaryFlow app from Google Play, register and complete the verification steps shown in the app. Your employer must be participating in SalaryFlow.
What are the charges?
Applicable charges are shown in the app before you confirm a request. You will not be charged anything you have not seen and accepted.
Bring SalaryFlow to your workplace.
See the employee app and how a programme would work for your organisation.