Two simple journeys. One coordinated programme.

1. Step 1

   Book Demo

   See the app and how the programme fits your workforce and payroll cycle.

2. Step 2

   Employer Onboarding

   Sign the agreements and complete the required authorisations.

3. Step 3

   Employee Enrolment

   Share employee details through the agreed process and invite your teams.

4. Step 4

   Programme Activation

   Eligible employees can start using SalaryFlow in the app.

5. Step 5

   Payroll Reconciliation

   Settle amounts due through payroll each cycle and reconcile them.

1. During the month1/5

   Employee requests

   The employee reviews charges and terms in the app, gives the repayment authorisation and submits a request.

2. On approval2/5

   Funds credited

   If approved, Dhvija Finance Limited credits the amount to the employee's registered bank account.

3. Before payday3/5

   Settlement summary

   The employer receives a summary of amounts due for the pay cycle.

4. Payday4/5

   Payroll settlement

   The amount due is settled through payroll, as set out in the employee's authorisation and the employer agreement.

5. 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.