Employee financial wellness platform for employers & HR

Employee financial wellness that adds benefit, not burden.

Give your workforce loans, earned salary access, investments, insurance and rewards in one platform, with the controls your HR team needs.

Get Ekam for your Organisation See employer controls
BSE-listed NBFC backing 200+ corporate relationships 50+ lender partnerships
Organisation Portal
Emerald Ekam organisation portal showing employer controls, workforce metrics, approvals and reporting
Employer workspaceControls, approvals, employees and reporting in one view.
200+Corporate relationships
₹20+ CrMonthly platform throughput
50+Lender partnerships
BBB-CRISIL rating of Emerald Finance
Why employers choose Ekam

Help employees with money. Keep HR in control.

A benefit people use

Daily money needs, met through their employer.

Better retention

Support that keeps people engaged and loyal.

Fewer ad hoc requests

Approval-led process replaces informal advances.

One trusted partner

Built by a BSE-listed NBFC. No vendor patchwork.

⌁Organisation-specificProduct access & programme rules
✓Multi-levelApproval workflows when required
↻Salary-cycle alignedWindows, deductions & limits
▤Central visibilityEmployees, usage & reports
Built for the employer side of financial wellness

A broader benefit ecosystem, without another HR burden.

Practical employee utility. Clear employer control.

One employer ecosystem

Bring lending, salary-linked access, investments, protection and benefits into one workplace destination.

LoansEWA & PayrollBenefits

Organisation-level control

Decide product access, limits, approval flows, salary-cycle settings and organisation-specific rules.

LimitsApprovalsCycles

Usable reporting

Track adoption, employee activity, salary-linked usage, deductions and product performance from focused reports.

UsageReportsAnalytics

Structured governance

Support configurable approval layers and employer-specific workflows without forcing every organisation into one model.

ConfigurableControlledTraceable
Employer control centre

Set the rules once. Keep the programme under control.

Ekam is designed around organisation-specific configuration rather than a one-size-fits-all benefits catalogue. Choose a control to see how it works.

02Approval workflows
03Salary-cycle rules
04Employee administration
Explore the Ekam platform capabilities →
Emerald EkamOrganisation Control Centre
Live
Employees1,248Active workforce
Products6Enabled services
Approvals32Require action
Product accessStatus
Loan MarketplaceEmployee discovery access
Live
Earned Wage AccessLimits + withdrawal window configured
Enabled
Investments & InsuranceEnable or disable per organisation
Optional
Rewards & Bill PaymentsEveryday services toggle
Optional
Organisation-specific configurationCentral controls • Clear visibility
The difference for HR

From scattered salary requests to one governed programme.

See how workplace financial support changes when it runs on a platform built for employers.

Without a platform

  • Informal salary advances handled by email, calls and spreadsheets
  • No single view of who has accessed what
  • Separate vendors for loans, insurance and rewards
  • Approvals depend on individuals, not process
  • Hard to show employees a clear financial benefit

With Emerald Ekam

  • Structured, approval-led workflows with limits and windows
  • Central visibility of employees, usage and deductions
  • Loans, EWA, investments, insurance and rewards in one place
  • Configurable approval layers that match your hierarchy
  • A visible, practical benefit employees use through the year
One platform, six employee services

Benefits employees can actually use through the year.

Instead of another single-purpose benefit, Ekam gives employees one familiar place for borrowing, salary access, investing, protection and everyday value.

Emerald Ekam

One employee destination

Employer-enabled access to practical financial services — with a consistent experience across products.

Explore the product ecosystem →
₹
BorrowLoan Marketplace
 ↗
Access salaryEarned Wage Access & Payroll
 ◒
Grow wealthDigital Gold & Mutual Funds
 ◇
ProtectInsurance
 ★
Save & rewardGift Cards & Rewards
 ▤
Everyday utilityBill Payments & Services

Looking at it from the employee side? See what employees get with Ekam.

Where Ekam fits

Designed around how your organisation works.

Configuration, approvals and salary-cycle rules adapt to your workforce — not the other way round.

Large enterprises

Multi-level approvals, HRMS and API integrations, and central reporting across teams.

Multi-location workforces

One programme, consistent rules and visibility across sites and business units.

Shift & hourly teams

Salary-linked access aligned to your payroll cycle, withdrawal windows and limits.

Growing companies

Offer a credible financial-wellness benefit without building a finance team to run it.

A simple employer rollout

From configuration to ongoing visibility.

Four clear stages explain how Ekam fits into the organisation without making the process feel operationally heavy.

01

Configure

Products, eligibility, approval rules and salary controls are mapped to the organisation.

Your programme rules
02

Onboard

Employee records are added through structured employer workflows or supported integrations.

Your workforce goes live
03

Launch

Employees discover and use only the services enabled for their organisation.

One employee experience
04

Measure

HR gets clear visibility into adoption, activity, approvals and salary-linked reporting.

Ongoing employer visibility
Ready to see how it maps to your organisation? Talk to us
Emerald Finance Limited

A programme your finance team can stand behind.

Emerald Ekam is backed by a BSE-listed NBFC with lending, distribution, employer-finance and digital financial-services capabilities.

Why Emerald Finance matters →
BBB-CRISIL rating
50+Lender partnerships
200+Corporate relationships
Questions HR teams ask

Employee financial wellness: your questions, answered.

Still unsure how Ekam would fit your organisation? We'll walk through it with you.

Talk to us
Does Ekam add to HR's workload?

The aim is the opposite. Product access, approval rules and salary-cycle settings are configured once for your organisation. After that, requests, approvals and reporting run through structured workflows instead of ad hoc emails and spreadsheets.

What is an employee financial wellness platform?

It is a single workplace destination where employees can access practical financial services — such as loans, earned wage access, investments, insurance, rewards and bill payments — enabled and governed by their employer.

How does earned wage access work with our payroll cycle?

Salary-cycle rules, withdrawal windows, access limits and deduction settings are configured to fit your payroll calendar, so salary-linked activity stays aligned with how you already pay.

Can we require approvals before employees can access a service?

Yes. Configurable approval layers let you match the workflow to your internal hierarchy rather than forcing every organisation into a single model.

Who is behind Emerald Ekam?

Emerald Ekam is built by Emerald Finance Limited, a BSE-listed NBFC with lending, distribution and employer-finance capabilities, rated CRISIL BBB- and working with 50+ lender partners.

Built around your organisation

Make financial wellness a benefit employees actually use.

We’ll map Ekam to your workforce, salary cycle, approval requirements and employee financial needs.

Get Ekam for your Organisation Backed by Emerald Finance Limited