01
FOUNDATION
Lending
Own-book lending built the foundation.
ABOUT EMERALD EKAM
BY EMERALD FINANCE LIMITED
Finance at work,
built on real financial capability.
Emerald Ekam brings Emerald Finance capabilities into one workplace platform for employers and employees.
Read the story →E
THE IDEA IN ONE LINE
Make financial services easier to access at work while keeping organisations in control.
01
ORIGIN
Ekam started with a workplace problem.
Employees need simpler access to relevant financial services. Employers need control over how those services operate.
Access alone is not enough. Eligibility, approvals and salary-linked rules matter.
Ekam connects both sides through one operating layer.
02EVOLUTION
From finance
to workplace infrastructure.
02
EXPANSION
Distribution
Partnerships expanded access.
03
WORKPLACE
Employer finance
Salary-linked workflows brought finance into the workplace.
04
TODAY
Emerald Ekam
One layer for access, controls and visibility.
03PERSPECTIVE
One platform.
Two sides.
01
FOR EMPLOYEES
“What can I access?”
A clearer place to discover and use relevant financial services.
02
FOR EMPLOYERS
“What is live, and what needs attention?”
A controlled layer for access, approvals, salary rules and reporting.
04LINEAGE
What sits behind Ekam.
Ekam carries forward the capabilities of Emerald Finance.
01NBFC foundationFinancial capability beyond software.
02Lender ecosystemDistribution relationships across lending.
03Employer operating experienceSalary-linked operating experience.
04Enterprise technologyPortals, integrations and reporting.
EMERALD
THE INSTITUTION BEHIND EKAM
Emerald Finance Limited
The BSE-listed NBFC behind Emerald Ekam, bringing together financial capability, operating experience and technology for workplace finance.
BSE-listed NBFC
CRISIL BBB-
50+ lender relationships
WHAT WE ARE BUILDING TOWARDS
A better financial layer for the workplace.
Simple for employees. Controlled for organisations.