RBI Certified NBFC

Democratizing
Credit for your
Workforce

Exclusive, instant credit for employees of partnered companies — up to 100% of monthly salary. Access up to 12× their monthly salary throughout the year. Zero cost. Zero liability. Zero hassle.

Explore Products → How It Works
✦ Active Limit
up to 100% of monthly salary
Available Credit Limit
Interest rates0% up to 16.5% p.a.
Disbursal TimeWithin 2 Hours
Growing Credit limitup to 12x
7,200+
Employees Onboarded
30+
Reputed Corporates
2 hrs
Fund Disbursal
51.62%
Repeat Customer Rate
Financial Products

Tailored Credit
for Every Need

Two powerful loan products designed to give your employees financial flexibility — on their terms.

Most Popular
⚡
Interest Free Loan

No interest, no stress. Employees get immediate access to funds with a comfortable 30-day repayment window — perfect for urgent needs.

Interest Rate0% — Truly Free
Free Period30 Days
Credit Limit85% of Monthly Salary
Annual AccessUp to 12× Monthly Salary
Equivalent to Leading Banks
📈
Personal Loan

For larger needs with flexible EMI options. Competitive interest rates comparable to leading banks, spread across a convenient repayment schedule.

Interest Rate15% – 16.5% p.a.
EMI Options3, 6, 9 & 12 Months
Credit Limit100% of Monthly Salary
Annual AccessUp to 4× Monthly Salary
Process

How Instaclaus
Works for You

A seamless, six-step journey — from employer onboarding to automatic repayment, with zero manual overhead.

01
🤝
Employer Onboarding

Your company signs a simple facility agreement — No liability, No data-sharing outside the organisation, No Cost ever. All terms transparently stated.

02
👤
Employee Setup

Profiles built using personal mobile numbers & monthly salary — No identity revealed until employee consent.

03
🎓
Awareness Session

Instaclaus hosts a seminar or webinar explaining both products, eligibility criteria, and all privacy protections.

04
📱
In-App Application

Employees apply entirely via the Instaclaus app. HR communicates via employer dashboard about employment status.

05
💸
Instant Disbursal

Funds hit the employee's bank account within 2 hours of HR communication — fully automated, no manual steps.

06
🔄
Automated Repayment

EMIs are auto-deducted directly from the employee's bank account. Zero manual work for HR after go-live.

Our Edge

A Different Kind
of Financial Partner

No Credit Score Discrimination

We do not discriminate on interest rates based on credit score or history — every employee gets the same fair rate.

Growing Credit Limit

Credit limit grows with every on-time EMI repayment — rewarding responsible financial behaviour automatically.

One-Time KYC

A single KYC process enables multiple future loan applications — no repetitive paperwork ever again.

No Collateral, No Guarantors

Zero collateral, zero securities, zero guarantors required. Pure trust-based financial inclusion.

Zero
Cost to Company
Zero
Liability on Defaults
100%
Monthly Salary as Instant Credit
Key Benefits

Why Employees
Love Instaclaus

🏦
Bank-Equivalent Rates

Interest rates comparable to leading banks — fair for every employee.

⚡
2-Hour Disbursal

From application approval to funds in account — all within 2 hours, every time.

🔐
End-to-End Encrypted

All data fully encrypted. Employee identity and financial info stays completely private.

📲
Auto-Debit Repayment

Repayments auto-debited directly — no manual transfers, no missed EMIs.

🎯
Interest-Free Option

Truly zero-interest loans available — a rare employee benefit that stands out.

📋
Zero HR Overhead

Once live, HR has zero manual involvement — dashboard is for communication & monitoring only.

✅
RBI Compliant

Full RBI regulatory compliance through certified NBFC partner Satya Capital Services Pvt. Ltd.

📈
Growing Limits

Every repayment grows the credit limit — building financial wellness over time.

Built on Regulatory Trust

Instaclaus operates through Satya Capital Services Pvt. Ltd., a fully RBI-certified NBFC. Every transaction is encrypted, every process compliant — your employees are in the safest hands.

🏛️ Satya Capital Services Pvt. Ltd.
📜 NBFC Reg No: B.08.00207
🔒 End-to-End Encrypted
✅ Full RBI Compliance