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Empower Your Workforce with Unipe Cash!

No financial risk or out-of-pocket expenses - Unipe's zero-interest instant credit is the solution.

on demand salary

Unlock Financial Flexibility for Your Team

Enable employees to access instant credit seamlessly, promoting financial well-being at no cost to your company.

No out-of-pocket expense
Unipe funds instant credit requests
unipe finances employee advance salary
Free for employers
No setup or recurring fees
advance salary is free for employers
No payroll changes
Employers run their payroll as usual
unipe autmatically deducts the advance salary amount
Interest free
No interest charges on the employees
intererst free salary loan for employees

Seamless Instant Credit for a Modern Workforce

Experience the simplicity of Unipe Cash for instant credit solutions.

Employee Requests Instant Credit

for the number of days they have worked

Employees Receive Instant Credit

directly in their bank accounts

Employer Runs Payroll As Usual

and pays employees their actual salaries

Auto-deduction of Instant Credit

from bank account (executed by RBI-approved entity)

salary advance solution for companies

What Employers Say About Unipe Cash

“Unipe has been a great partner in enabling our workforce with Unipe Cash. The team understands the market and challenges well and provides amazing solutions

Rachit Mathur, CEO

unipe users
unipe users

Good for people 
is good for business

30% ↑

Increased hours worked due to stronger effort

38% ↓

Reduction in employee turnover

45% ↓

Lower absenteeism and staff turnover

Ready to offer financial flexibility to your employees?

Contact Unipe today to revolutionize how you offer instant credit and boost employee satisfaction.

Have questions?
We have answers.

  • How can we offer Unipe to our employees?
    In order to offer Unipe to employees, please register on our website. Signup or simply contact as us and we will do the needful. 
  • Who is eligible to be a partner of Unipe?
    If you follow the minimum wages protocol of your state, you are eligible to get on board on the Unipe platform. Please submit all KYC docs while signing up for the platform and we will instantly verify the eligibility criteria.
  • Do we pay the employees the loan?
    Loans are processed by a registered and regulated NBFC to the employees.
  • How much do we pay for the service?
    It is absolutely FREE for the employer! 
  • Is the employee information safe?
    All information stored on our servers is encrypted and heavily secured. We take sensitive information protection very seriously and will ensure protection of your company data. 
  • Do employees need to have an account on Unipe’s interface/application?
    Yes, employees need to download the Unipe App via the link shared with them while they are onboarded on the platform by the employer.
  • What information and access does Unipe need to provide this service to our employees?
    Please go through our sign-up process to know this information.
  • How much do we pay Unipe for this service?
    Unipe platform is free to use for eligible employers.
  • Do you need our team/resource to manage the backend?
    No. All processes/features are 100% automated.
  • What is Unipe?
    Unipe is a company dedicated to bringing financial wellness to employees by providing a digital platform to employees and employers alike.
  • What’s in it for me?
    It has multiple products/services that can help with better financial planning. Following are some benefits: Get access to instant credit More sustainable options to save your money  Grow your earnings by planning your income and spending better
  • Does Unipe charge me any fees or interest on the loans?
    Unipe Cash is an Instant Credit program that provides instant cash to employees based on their working (unpaid) days. Unipe is dedicated to enhancing financial wellness by offering a digital platform for both employees and employers.
  • How quickly will I get the loan?
    Depending on your company’s payroll process, we will evaluate the earliest date of disbursal and show you the options in the Unipe App.
  • If I take Rs.1000 today, when will I have to pay it back?
    The advance amount taken will be automatically deducted from your salary at the time of payroll processing.
  • Can I apply for any amount or is there a limit to what I can get as a loan?
    We currently have an Unipe Cash (Instant Credit) program only. You will soon get options to get personal loans in the Unipe app itself.
  • What happens if my employer is not a partner at Unipe?
    Your employer needs to be a partner of Unipe. It is a simple process to introduce the relevant decision maker to us. Without your employer being our partner, you will not be able to access the Unipe app currently.
  • What is the difference between a bank and Unipe?
    Unipe is an Instant Credit platform. Unipe partners with financial institutions to empower you with instant cash. Unipe does not lend money directly to anyone and does not act as a lending institution. Not to mention the exorbitant interest rate that bank or other financial lenders charge.
  • Is my data protected?
    Your data is 100% encrypted and stored securely. It is shared only with RBI Regulated entities post consent of the user.
  • How can I access my salary?
    You can access your salary when the employer processes the salary at their end, directly to your registered bank account.
  • How can I get a loan against my salary?
    Unipe Cash program is essentially a short-term credit drawn against earned salary and payable in future by the employer. We do not offer any other format of financial services currently on the platform.
  • How to create an account on Unipe?
    You can access Unipe App once your employer is onboarded on the Unipe platform. Please talk to your employer (HR) and ask them to reach out to us at in order to onboard them on our platform.

© 2023 by Payrocket Technology Private Limited

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