Refyne was an overall app developed by Refyne Tech Private Limited. It was removed from Google Play Feb 14, 2026 and is no longer available for download.
Download Statistics
User Ratings
Refyne was rated 2.25 out of 5 stars, based on 4 ratings.
App Information
Refyne was free to download. The APK download size was 89.07 MB. The last available version was 1.42.0. The last update was on December 1, 2025.
Technical Requirements
The app had a content rating of Everyone. The app had been available on Google Play July 2022.
Description
Refyne is one of India’s most trusted Financial Wellness platforms. Refyne has a wide range of products including UPI Scan and Pay, Salary On-Demand, Digital Gold and Insurance and is a One-Stop Shop for all your financial needs.
Refyne Offers:
* Refyne Pay - Scan Merchant QR Code and make UPI payments directly from your Salary On-Demand or Bank Account * Salary On-Demand - Access funds up to 1.5x of salary * Refyne PRO - Subscription model which allows unlimited free transactions * Money Guru - Access expert financial tips and tools like Tax & Home Loan Calculator, PF tracker, Credit score check and more * Gold Savings - Save in 24K Digital Gold starting from ₹10, 99.5% Pure Gold with doorstep delivery of physical gold
Refyne takes the SMS Read, Write and Receive Permission from the user to complete the SIM Binding (Device Binding) as a security measure for creating UPI Accounts for Scan and Pay. These permissions are mandatory as per the guidelines laid down by the National Payments Corporation of India (NPCI) related to UPI Account creation and payments.
Important Things to Note About Refyne Salary On-Demand -
* Loan Amount: Rs 1,000 to Rs 10,00,000 * Minimum Annual Percentage Rate (APR): 8%, * Maximum Annual Percentage Rate: 36% (reducing balance) * Minimum repayment period: 90 days, Maximum repayment period: 24 months * Processing Fees: Max (₹350 + GST, Up to 1%-7% of loan amount plus GST) * Prepayment Fees: Zero * Late fee: Zero
Below is an example of the fee breakup for a Salary On-Demand transaction:
* Loan Amount: ₹10,000 * Minimum repayment period: 3 months * Maximum repayment period: 12 months * Interest rate: 0% (for the first 3 months), 4th month onward, 16% p.a. reducing * Processing fee: ₹99 * GST on processing fee: ₹18 * Total interest: ₹678 (calculated from 4th to 12th month, in total 9 months) * APR: 16% * Disbursed amount: ₹9,883 * Total loan repayment amount: ₹10,678
Our policies & services are fully regulated & 100% compliant with NPCI and RBI guidelines.
Eligibility Criteria:
* Indian nationality * Applicant's age should be 21 & above * Only for employees of partnered companies. This is a closed marketplace and is not intended for public use. * The user must be an active employee of the partner company for at least three months and have signed employment agreement forms with their employer.
Documents Required:
* PAN * Aadhaar * Employment details
How to use Refyne App:
* Sign up with your number or work email * Complete the KYC process * Create UPI Account to enable UPI Scan and Pay to make translations using Salary On-Demand or from Bank Account * Enter the Amount to be withdrawn * Automatic deduction takes place as per the agreed repayment schedule
Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
