Answers, without the wait.

Emerald Ekam is a workplace financial platform from Emerald Finance Limited. It brings loans, earned wage access, investments, insurance, rewards and everyday financial services together in one place, offered to employees through their employer.

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

Ekam is offered through your employer. Organisations stay in control of what is live, who is eligible and how approvals work, while employees get one familiar place to use the services that are enabled for them.

No. What you see depends on what your employer has enabled, your eligibility and, for lending, the criteria of the lender partner.

You can log in through the Ekam portal at app.emeraldekam.com.

Use the Contact page to reach the team, whether you are an organisation looking to bring Ekam to your workplace or have a general question.

Ekam is offered through employers. If your organisation has enabled it, you will see the services available to you when you log in. If not, ask your HR team to explore it.

Depending on what your organisation enables, you can explore loan offers, access earned salary, buy digital gold, invest in mutual funds, view insurance options, buy gift cards and pay bills.

After you log in, you will see the services your employer has switched on and that you are eligible for. Anything not enabled for you will not appear.

Yes. Your Ekam account keeps applications, transactions, benefits and investments in one place, so you can come back to them any time.

Ask your HR team to bring Ekam to your workplace. The Employees page has a ready-drafted email you can send in one click.

For questions about access or eligibility, start with your HR team. For anything about the platform itself, reach out to the Ekam team through the Contact page.

A single platform to offer financial services to employees, with the controls HR and finance need: product access, eligibility, approvals, salary-cycle rules, integrations and reporting.

No. You choose the product mix that fits your workforce and can add more over time. Organisations do not need to launch everything at once.

You decide which services are live, who is eligible, how approvals are routed and how salary-linked settings such as deduction dates and withdrawal windows work.

Ekam can connect through HRMS, APIs or simple file operations, so you can start with the option that suits you. Timelines depend on the setup you choose.

Yes. Authorised administrators can see activity, transactions, approvals and exceptions in one place, and generate reports and exports.

Use the Get Ekam for your Organisation button on the Contact page and the team will talk you through the product mix, controls and integrations.

Earned Wage Access lets eligible employees access a portion of the salary they have already earned before payday, within availability defined by their employer.

It depends on your earned salary and the limits and windows your employer has set. Your available amount is shown in Ekam.

Repayment follows your employer’s configuration, typically through a deduction from your salary on the date they set.

Your employer. Limits, windows and approvals are configured at the organisation level, so they can differ between workplaces.

Payroll Funding is an organisation-level workflow that supports payroll requirements with dedicated product controls and reporting. It is set up with the employer.

Yes. Every transaction stays visible in your Ekam account.

The Loan Marketplace can surface personal, business, gold, home and loan against property options, depending on what is enabled.

Choose what you need, share your interest and complete the relevant journey. Ekam keeps the status visible so you can follow progress.

Loans are offered by lender partners. Emerald Ekam works with 50+ lender relationships.

Approval, amount, rate and tenure depend on the lender partner’s criteria and your eligibility. Ekam does not guarantee approval.

The relevant journey continues with the lender partner, and the status is shown in your Ekam account.

In your Ekam account, under your activity, where applications are kept together with your other transactions.

Digital Gold lets you buy and sell gold through an integrated Ekam journey, with your holdings and activity kept visible.

You can start with an amount that suits you, subject to the minimums of the product.

You can discover curated schemes and express interest through Ekam, alongside your other financial services.

No. The value of investments can go up or down. Please read the scheme and product documents carefully before you invest.

Your holdings and investment activity are kept together in your Ekam account.

Ekam can surface relevant insurance and protection options alongside the rest of your financial services. What you see depends on what your employer has enabled.

Not necessarily. Employers choose which products to switch on, so insurance may or may not be live at your organisation.

Your protection options and related activity are kept together in your Ekam account.

You can buy digital gift cards from participating brands and redeem them through Ekam.

Rewards are configurable by the employer, so models for recognition and engagement can differ between organisations.

Ekam supports everyday tasks such as utility bill payments, depending on what your organisation has enabled.

Orders, redemptions and payments stay in your Ekam activity, so you can look back at them any time.

It lets organisations configure which products are live, define eligibility, route approvals, set salary-cycle rules and see reporting, without every change becoming a technology request.

Yes. Ekam can connect with HRMS and enterprise APIs for automation, and also supports file operations as a simple fallback.

You can start with file-based operations and move to deeper integration later.

Approval journeys can be introduced where employer control is needed. Levels (L1 to L3) and role-based ownership can be configured, for example HR verification followed by finance review.

Yes. Administrators can apply organisation-level and employee-level access rules to decide who can use what.

You can view usage, transactions and approvals, and generate operational reports and exports for business workflows.