What is Valyu?
Valyu is an Earned Wage Access platform that allows employees to access their salary before the payday.
Why Valyu?
Valyu gives users instant hassle free access to their salary, whenever, wherever. It features a one-time repayment, which means no EMIs or hefty interest rates.
How does Valyu work?
The user has to provide document proofs for salary validation and complete the Aadhaar based, mandated e-KYC to get instant access to their earned salary.
Who is Valyu for?
We cater to both businesses and individuals as long as they are on a registered company's payroll. Any Indian employee, working in a registered and recognised company can use Valyu, either as an employee benefit offered by our employer partner, i.e., the company the user is employed at, or as an independent user. The employee has to be employed for at least three months at the firm to avail services from Valyu app.
What are the services provided by Valyu?
Currently, Valyu offers instant access to a percentage of the employee user's earned salary on any given day in a month. The gathered amount is reflected in the app’s dashboard and increases daily till the end of the month, resets on the first day of the next month.
Transaction breakup (Fees and Charges) -
There is a slab-based withdrawal fee for every transaction. Example of the fee breakup for a transaction:
* Amount withdrawn: ₹ 10,000
* Interest rate: 0%
* Disbursement Fees: ₹ 275 (GST included)
* Disbursed amount: ₹ 9,725
* Total loan repayment amount on the salary day: ₹ 10,000
RBI Compliance-
Valyu has partnered with RBI authorized & regulated NBFC partners, like MAMTA PROJECTS PRIVATE LIMITED (https://arthmate.com). We are 100% RBI-compliant in all processes duly defined by the RBI. Our policies & services are fully regulated & 100% RBI compliant in all processes duly defined by RBI.
Data Safety & Security-
Your Information is safe with us:
* Valyu utilizes Firebase for secure cloud computing with business continuity and disaster recovery
* Data at rest and in transit is encrypted
* Users can delete their personal information from the Valyu’s databases at any time
* Customer data is stored & processed in India
* Valyu employees do not have access to customer information
* Privacy Policy - https://Valyu.co.in/privacy-policy.html
* Terms & Conditions - https://Valyu.co.in/privacy-policy.html
How is Valyu different?
Valyu offers 100% digital experience. You can complete your e- KYC and access your salary anytime, anywhere within minutes. Easily. It's the new way to manage your finances, without ever stressing over the end of the month money-crunch again.
Because your financial well-being matters!
What's the interest on repayment?
Say goodbye to hidden or unnecessary charges. Valyu is a service that comes with ZERO interest on repayments, ZERO hidden charges, and NO EMIs. We do, however, charge minor transparent fees on withdrawals.
Got suggestions? Please Reach out to us at operations@Valyu.co.in with ideas, feedback, or suggestions on how we can improve the user experience.
Or contact us via phone at our customer support helpline: +91 9459852440
Working hours :Monday to Friday: 9am - 7pm |Saturday and Sunday: 10am - 6pm
Valyu is an Earned Wage Access platform that allows employees to access their salary before the payday.
Why Valyu?
Valyu gives users instant hassle free access to their salary, whenever, wherever. It features a one-time repayment, which means no EMIs or hefty interest rates.
How does Valyu work?
The user has to provide document proofs for salary validation and complete the Aadhaar based, mandated e-KYC to get instant access to their earned salary.
Who is Valyu for?
We cater to both businesses and individuals as long as they are on a registered company's payroll. Any Indian employee, working in a registered and recognised company can use Valyu, either as an employee benefit offered by our employer partner, i.e., the company the user is employed at, or as an independent user. The employee has to be employed for at least three months at the firm to avail services from Valyu app.
What are the services provided by Valyu?
Currently, Valyu offers instant access to a percentage of the employee user's earned salary on any given day in a month. The gathered amount is reflected in the app’s dashboard and increases daily till the end of the month, resets on the first day of the next month.
Transaction breakup (Fees and Charges) -
There is a slab-based withdrawal fee for every transaction. Example of the fee breakup for a transaction:
* Amount withdrawn: ₹ 10,000
* Interest rate: 0%
* Disbursement Fees: ₹ 275 (GST included)
* Disbursed amount: ₹ 9,725
* Total loan repayment amount on the salary day: ₹ 10,000
RBI Compliance-
Valyu has partnered with RBI authorized & regulated NBFC partners, like MAMTA PROJECTS PRIVATE LIMITED (https://arthmate.com). We are 100% RBI-compliant in all processes duly defined by the RBI. Our policies & services are fully regulated & 100% RBI compliant in all processes duly defined by RBI.
Data Safety & Security-
Your Information is safe with us:
* Valyu utilizes Firebase for secure cloud computing with business continuity and disaster recovery
* Data at rest and in transit is encrypted
* Users can delete their personal information from the Valyu’s databases at any time
* Customer data is stored & processed in India
* Valyu employees do not have access to customer information
* Privacy Policy - https://Valyu.co.in/privacy-policy.html
* Terms & Conditions - https://Valyu.co.in/privacy-policy.html
How is Valyu different?
Valyu offers 100% digital experience. You can complete your e- KYC and access your salary anytime, anywhere within minutes. Easily. It's the new way to manage your finances, without ever stressing over the end of the month money-crunch again.
Because your financial well-being matters!
What's the interest on repayment?
Say goodbye to hidden or unnecessary charges. Valyu is a service that comes with ZERO interest on repayments, ZERO hidden charges, and NO EMIs. We do, however, charge minor transparent fees on withdrawals.
Got suggestions? Please Reach out to us at operations@Valyu.co.in with ideas, feedback, or suggestions on how we can improve the user experience.
Or contact us via phone at our customer support helpline: +91 9459852440
Working hours :Monday to Friday: 9am - 7pm |Saturday and Sunday: 10am - 6pm
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