Salary Advance & Earned Wage Access (‘EWA’)
Sometimes the month runs longer than the salary. Our salary-linked products give employees access to funds they've either earned or are owed before payday arrives and without disrupting payroll cycles or putting pressure on employers. These products are available to the employees of partnering corporates under pre-agreed terms. The process is fully digital, with funds going straight to the employee's bank account. Salary Advance (Direct Credit Loan) — A short-term loan of up to Rs. 50,000 for individuals to cover mid-month financial needs (tenor up to 60 days). EWA (Employee Liability) — Employees withdraw a portion of already-earned wages on demand. The credit liability stays with the employee, keeping it off the employer's balance sheet entirely. EWA (Corporate Liability) — Same on-demand access to earned wages, but the corporate assumes the credit liability. Terms are structured directly with the employer, keeping the experience seamless for the employee. For employers, the upside is real: financially secure employees show lower attrition and higher productivity. Personal Loan
A straightforward unsecured personal loan for individuals with fixed EMIs, competitive rates, and minimal documentation. From application to disbursement, everything is handled digitally through FatakPay, with funds transferred directly to the borrower's bank account. Whether it's a medical bill, an education expense, a holiday, a financial emergency or a planned long-term financial need — the Personal Loan is there when a financial need arises and savings aren't quite enough. Loan amount up to ₹5,00,000 | Loan Tenor - 3 to 48 months Demand & Call Loan
Demand & Call Loan provides the borrower with a long-term stable credit over a maximum period of 11 months, which can be availed on a monthly basis during the sanctioned period. Cumulative loan amount varies from Rs. 40,000 to Rs. 2,00,000. This facility offers the borrower with lower interest rates and charges with every new loan taken during the sanctioned loan tenor, reducing the overall cost of borrowing. Consumer/Merchant Loan
Consumer/Merchant Loan is a convenient financing solution that allows individuals to purchase a variety of essential needs, including consumer durables, insurance premiums, medical expenses, education fees, and more. Instead of paying the full amount upfront, the total cost is divided into manageable monthly instalments, while the full payment is directly received by the merchant. Loan amounts range from ₹3,000 to ₹1,50,000, with flexible repayment tenor of up to 24 months. 
