Arthum Employee

What is Arthum?
Arthum is an Earned Wage Access platform that allows employees to access their salary before the payday.

Why Arthum?
Arthum 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 Arthum 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 Arthum 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 Arthum, 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 Arthum app.

What are the services provided by Arthum?
Currently, Arthum 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* Amount withdrawn: ₹ 10,000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-
Arthum 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:
* Arthum 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 Arthum’s databases at any time
* Customer data is stored & processed in India
* Arthum employees do not have access to customer information
* Privacy Policy - https://arthum.co.in/privacy-policy.html
* Terms & Conditions - https://arthum.co.in/privacy-policy.html


How is Arthum different?
Arthum 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. Arthum 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@arthum.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