SalaryCredits is a leading Employee Financial Wellness Company, this will help improve an employee’s financial wellness and happiness in the workplace. Salarycredits enables employers to significantly reduce the financial stress of their employees. SalaryCredits didn’t appear out of thin air. If we seem madly passionate about creating employee financial well-being at work, it’s because we’ve been on the other side, too. The average person spends a third of their life at work. That’s a lot of time, right? We believe this should be spent in an environment that’s supportive and inspiring. Apart from providing personal loans, we help your employees get a better understanding of their money and provide many tips to change the way they think about and deal with money. Leading Fintech platform, enabling employee financial wellness through Earned Wage Access, Fast Pay, Salary Advances, Short term personal loans, Financial Education/Planning. Product Highlights: • Earned Wages Access for employees. • Salary Advances with tenure up to 12 months. • Financial tools, content & events for employees to feel more confident about their finances.

1. Online Platform
for Employee
Financial Wellness
Risk-Free | No long-term Commitments | Zero Costs

2. Online Financial Inclusion platform enabling Corporates to engage
financially with their Employees, with no extra costs
5+ years of experience
helping Organizations
provide financial security to
Employees
Easy-to-use
online platform allowing Individuals to
be financially secure, informed,
optimistic, and confident
B2B2C FinTech solutions facilitating Financial Wellness program for a happy & productive work environment
What is Financial Wellness?
A person’s overall financial health and absence of monetary stress.
It’s the result of successful expense management.
Employee wellbeing encompasses physical, mental, with financial wellness as another
important aspect.

3. Why your Organization needs a Employee
Financial Wellness Program!
Around 76% of stressed Employees say financial worries have had a negative impact on their
productivity
Resulting in Employees that are 2x likely to look for a new job!
High Employee Attrition
76% of financially stressed Employees are
likely to change to other Organizations
Lower Productivity
An employee spends more than 156 hours in a
year, distracted from work due to financial
issues
Low Employee Engagement
69% of financially stressed Employees report
feeling less valued at work
HR function Limitations
Higher Employee turnover results in limiting
HR function to hiring and staffing, instead of
Employee engagement activities
Lack of a Financial Wellness Program leads to several Organizational challenges:

4. How absence of an Employee Financial Wellness
Program affects Employees!
With 53% of all Employees stressed about their finances, Employees face several
challenges mentally, physically, and financially
Higher Employee Turnover
Employees who are financially
stressed are twice as likely to look
for a new job
Lower Trust & Confidence
Financially stressed Employees feel
less confident that their current
Employer cares about them
Lower Productivity
Financial stress impacts
productivity of Employees by more
than 6x than other employees
Lower Attendance
Financial stress affects the
attendance of Employees by
more than 35%
Spend 3+
hours dealing
with personal
finances in
the
workplace.
1 in 3 Employees report financial
issues as a distraction at work.
Said that
their financial
stress had
increased in
the last 12
months.
Of all
employees
are stressed
about their
finances.
Of millennials
are stressed
about their
finances.
46% 45%
53%
64%

5. Benefits of integrating SalaryCredits with
your HRMS!
Better Control
SalaryCredits API integrations improve
the control over Employee’s cost to
Company
Additional Revenue Streams
Access customized financial
collaborations to generate
revenue from existing clientele
Reduced Working capital
Substantially decrease working
capital burden against Advances to
respective employees
Improved Employee Engagement
Engage with Employees on a higher degree
resulting in high
performance output

6. Introducing
Enabling Employers to improve Financial Wellness of Employees
Cloud-based Mobile & Web platform to
Enable Employees to access fair advances without hassles, disbursed in a jiffy
Awareness
Educate Employees about finance
management through blogs,
articles, vlogs, videos, etc.
Planning
Helps Employees financially
with short term and long term
budgeting solutions
Inclusive
Get access to curated financial solutions
which improve the financial wellbeing of
the Employees
Discipline
Help Employees understand
Finance & Budgeting, allowing them
to prevent susceptibility to Debt
Traps

7. Financial Awareness
Defined by Investopedia as, “ the ability to understand and effectively use various
financial skills, including personal financial management, budgeting, and investing.”
Financially Literate Indian
Population
Source: ibef.org
Taking measures
towards Employees’
wellbeing with
educative initiatives.
Imparting education
through blogs,
articles, vlogs.
27.6%

8. Financial Planning
SmartAsset.com defines it as “ The process of taking a comprehensive look at your financial
situation and building a specific financial plan to reach your goals”
Short-term Budgeting Long-term Budgeting
EMI Calculator
Helping you make better financial
decisions and enabling
comparability
CIBIL score
Easily check your credit
worthiness, in-app.
Our Offerings
Purchase of an automobile
Further education/skill
enhancement
Purchase of House
Retirement Savings Plan

9. Financial Inclusion
World Bank defines it as “individuals and businesses having access to useful and affordable
financial products and services that meet their needs – transactions, payments, savings, credit
and insurance – delivered in a responsible and sustainable way.”
Fast Pay Salary Advance Custom Advance Sacred Card

10. Financial Discipline
Sofi.com defines it as “the act of setting specific monetary (spending and saving) goals and
measuring oneself against how well they are achieved.”
Avoid Debt Trap
Unique EMI at source model
to prevent debt trap
Debt Consolidation
Offers & Rewards
Need Base access
to Funds

11. Financial Tools
Access to various tools like EMI
Credit score calculator to plan
SACRED CARD
Payroll cards for Employees to
manage Savings, Insurance, E-
commerce & Offline purchases
with guaranteed offers
Custom Advance
Long term advances up to 12
months requiring no collateral or
security with easy repayments
Earned Wage Access
on Demand
Employees get access to their
wages in advance on demand with
easy application and
disbursement
Fast Pay
Service to avail up to 50% of
Employees’ net salary
Value Proposition
Product Features
Salary Advance
Get 1 month salary advance with
easy paybacks in 3 months

12. How It Works
Onboarding
Employees login and
create virtual profiles
on the platform
Application
Post activation,
Employees can apply
for advances through
the Dashboard/App
Disbursement
Once both HR & Bank
approves the request,
the money would be
disbursed to
Employees Account
Deduction
EMI is deducted
automatically from
future salaries of
Employees
Salary Credits
Salary is credited to
Employees’ salary
accounts after EMI
deductions

13. Addition and Deletion of
Employees
Statement of Advances undertaken by
the employees
Account Mapping feature to enable EMI
deduction at source
Complete Transparency and data
protection for the employer
Product features:
Employer Interface Employer

14. Complete access to product features of the app
KYC Updations
Use of varied investment/budgeting tools
Access to blogs/articles to enhance financial literacy
Apply/ Cancel/ Foreclose advance
Single Click Authentication
Access to various Customized advances and other product options
Product features:
Employee Interface Employee

15. Healthier Work
Environment
A financially secured
Employee is positive and
participating in organization
culture
Improved
Productivity
Financially sound Employees
tend to be more productive
with lesser personal stress and
distractions
Lower Employee
Attrition
Employees do not tend to
leave organizations often
when they’re financially
secured
Quick
Turnaround
Payroll Integrated platform
ensures seamless salary
advances within minutes
No Extra
Costs
Our stack of solutions costs
virtually nothing financially to
Organizations
Benefits for Employers

16. Global Trends
Hurdles Implications
53%
Employees are stressed
about finances
46%
Deal with personal
finances in workplace
64%
Milennials stressed
about their finances
76%
Financially stressed
employees are likely to
change company
>40%
Stressed about finances and
unable to focus on their work
80%
5%
95%
Rest of the World India
95% of Corporates in India do
not have any financial wellness
initiative for employees
Financial Wellness
Initiatives by
Corporates
This presents a major
untapped market

17. A Unique Preposition
High Disbursement Rates No Costs, No Liabilities Ease of Use Inculcate Discipline
Help Employees understand Finance
& inculcate in them the discipline to
only use credit in situations of dire
need.
Employer does not incur any
costs for Program setup and
loan advancements
SalaryCredits ensures almost 100%
Salary Advance requests without
requiring a credit history
Simple integration into HRMS allows
Employers to smoothly approve
Employees’ advance requests

18. Let's Connect to improve
Financial Wellbeing of your
Workforce!
Website : https://www.salarycredits.com/
Email : mudit@salarycredits.com
Thank You
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