The Ekam operating platform

Offer financial wellness. Stay fully in control.

Give your people the financial services they want, while you stay in charge of who can use what, how every request is approved, and what gets reported.

Get Ekam for your Organisation See how it runs ↓
Organisation ConsoleSecure workspace
Employees1,284Active workforce
Products live06Organisation enabled
Needs action18Approvals + exceptions
Platform activity
Product accessLive controls
Loan Marketplace
Earned Wage Access
Investments
Insurance
TodayOperational pulse
✓

12 approvals completedAcross enabled workflows

!

4 exceptions to reviewAwaiting organisation action

↗

Reports readyLatest cycle available

A platform, not a collection of tools

Four layers that make Ekam easy to run.

01Access

Configure

Set the rules once. Run the programme with clarity.

Your workforce is unique, so your Ekam should be too. Switch services on, choose who’s eligible and set salary-cycle rules yourself, with no IT ticket needed.

  • Choose what is live
  • Define who is eligible
  • Set salary-cycle controls
02Control

Govern

Control where it counts. Speed everywhere else.

Add approvals only where you want a say. Every step has a clear owner, so nothing stalls and nothing slips through.

  • L1–L3 configurable levels
  • Role-based action ownership
  • Exceptions and status stay visible
03Connect

Integrate

Works with the systems you already run.

Connect Ekam to your HRMS and systems for hands-off automation, or start simply with file uploads. Either way, you’re up and running without a rebuild.

  • HRMS for employee and employment data
  • Enterprise APIs for system-to-system flows
  • File operations as a simple fallback
04Visibility

Measure

Know exactly how your programme is performing.

See who’s using what, what needs your attention and how adoption is growing. Then take the data wherever you need it.

  • Know what employees are using
  • Know what needs attention
  • Take the data with you
Organisation configurationIllustrative
ProductsEligibilityApprovalsSalary cycle
E

Earned Wage AccessSalary-linked employee access

ApprovalEnabled
Deduction date01 / Monthly
Withdrawal windowActive
Employee statusActive only
L

Loan MarketplaceLive

G

InvestmentsLive

I

InsuranceOff

Controls apply at organisation levelAll changes saved
Built to be operated

Every team gets exactly what it needs.

HR

People & HR

Decide who gets access and confirm employment details, without the back-and-forth.

  • Define who is eligible
  • Verify employment at L1
  • Choose which services are live
FIN

Finance

Set deduction dates and windows, review what needs a second look and export the numbers you need.

  • Set deduction dates and windows
  • Review approvals at L2
  • Export operational reports
IT

IT & operations

Plug Ekam into the systems you already have, with a simple file option if you’d rather start small.

  • HRMS and API connectivity
  • File operations as fallback
  • Organisation-specific configuration
Inside the organisation console

Everything your team needs, in one workspace.

The same portal your HR, finance and operations teams use every day, from onboarding employees to closing out a salary cycle.

Employee management

Add employees individually or in bulk, review profiles and keep eligibility and employment status current.

Approvals and history

Work a queue of salary-linked requests, then look back at every decision with a full approval history.

Deduction reports

See what is due to be deducted for the current cycle and compare it with previous cycles before payroll closes.

Transactions and analytics

Follow transactions across services, track adoption and usage, and export what finance needs.

Roles and users

Give each administrator the right level of access and keep action ownership clear.

Products, branding and settings

Choose which services are live for your organisation and set up your programme’s look and rules.

From first call to first transaction

A rollout that doesn’t need a rebuild.

Start with the products and data connection that suit you today, and deepen both over time.

  1. 01

    Map

    We confirm your workforce, payroll cycle, HRMS and priorities, then shape the product mix and controls.

  2. 02

    Configure

    Switch on services, set eligibility, approval levels, deduction dates, windows and limits.

  3. 03

    Connect & onboard

    Bring in employee records by file upload, HRMS sync or API, whichever you are ready for.

  4. 04

    Launch & measure

    Employees see only what you enable. Your teams track approvals, transactions and usage from day one.

L1–L3Configurable approval levels
Role basedAction ownership
API-readyHRMS-compatible
VisibleExceptions & status
Governed by design

Control and trust, built in.

Role-based access

Administrators, HR and finance each see and act on only what their role allows.

Audit trail

Approvals, decisions and changes leave a traceable history for review.

Consent and verification

Identity, bank and consent steps are completed in the journey before salary-linked access or credit checks proceed.

Institution-backed

Built by Emerald Finance Limited, a BSE-listed NBFC rated CRISIL BBB-, with 50+ lender relationships.

Built to be operated

Great employee benefits only work when they’re easy to run. Ekam makes it easy.

Launch products, set the rules, connect your systems and see the results, all from one place.

  • Products and eligibility
  • Approvals and policies
  • HRMS, API and file integrations
  • Analytics and reports
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