Instant Credit for
Your Entire Workforce
Instaclaus is a high-impact employee benefit offering your workforce multiple financial products — at zero cost and zero liability to your company.
Amount Disbursed
Interest-Free loan · Repay within 30 days
Trusted by leading Indian corporates
Employees onboarded across India
Corporate partners nationwide
Cost to the partner company. Always.
Repeat Customer Rate
Two products. Every need covered.
From a quick end-of-month top-up to bigger life milestones — employees choose what fits. One platform, one KYC, endless access.
Live in just two hours.
We've engineered the process so seamlessly that the employer does almost nothing — yet your workforce gets the full benefit from day one.
Company Onboarding
One facility agreement. Zero liability clause. Every term stated transparently upfront. Sign and you're in.
Onboarding Your Workforce
Employees are onboarded on our platform and get access to Instaclaus's exclusive financial products immediately.
Awareness Session
Our team visits your workplace or runs a webinar — explaining products, benefits, and repayment in clear terms.
Employees Apply on the App
Employees choose their preferred product and repayment tenure according to their needs. One-time KYC. Done.
Funds Disbursed in 2 Hours
Funds are disbursed to the employee's bank account once the employer confirms employment. No delays.
Automated Repayments
EMI amounts are directly deducted from the employee's bank account — no disruption to payroll whatsoever.
Why Instaclaus? Built Different.
No Credit Score Discrimination
CIBIL 800 or CIBIL 600 — every employee gets the same rate. New-to-credit employees are equally welcome.
Growing Credit Limit
Every repayment automatically increases the employee's limit. The credit never exhausts — it grows with them.
One-Time KYC
Complete KYC once and access multiple loans over the years. No repeat paperwork. No re-submission of documents.
Zero Collateral
No guarantors. No securities. No pledges. Just salary verification and consent. Clean and simple.
2-Hour Disbursal
Banks take 3–5 business days. We take 2 hours — same day. When an employee needs money, they get it now.
The benefit that costs nothing.
You bear zero cost and zero liability. If an employee defaults, that's between them and us. Here's what you gain:
Retention
Financial stress is the #1 reason good employees look elsewhere. A safety net keeps them in place — it's that simple.
Productivity
An employee worried about funds during work hours isn't your most productive person. Remove that worry completely.
Zero HR Overhead
Once live, your team does nothing. The dashboard is there if they want visibility — but nothing requires action.
Employer Branding
A workplace offering fair-rate credit with dignity is a workplace people want to join — and stay at.
Employer Dashboard
● Live
Ready to give your workforce a real Employee Benefit?
An exclusive employee benefit at Zero Cost & Zero Liability on the company.
Trusted by leading companies across India · Zero Cost to Employers · RBI Certified