Abhi - Your Salary Now!

Abhi - Your Salary Now! is Pakistan’s first financial wellness platform that lets salaried employees access a portion of their earned wages on demand through a regulated mobile service. Licensed as a Non‑Banking Financial Company (NBFC) and whitelisted under the national regulator’s digital lending framework, Abhi - Your Salary Now! enables employees of registered companies to request funds, transfer them directly to their payroll bank account, and have the total transacted amount plus agreed transaction charges automatically deducted from the next month’s salary. The service operates as Earned Wage Access rather than a loan, with fixed transaction fees and payroll repayment.

Key Features

Instant on-demand access to a portion of your earned salary for employees whose employers are registered with the service.

Simple sign-in using CNIC after employer registration to streamline identity verification and requests.

Direct transfer of withdrawn funds to your payroll bank account for immediate use.

Automatic deduction of the total transacted amount plus fixed transaction charges from the next payroll cycle.

Regulatory compliance and oversight as a licensed NBFC that is whitelisted under the national regulator’s digital lending framework.

Advantages

Abhi - Your Salary Now! reduces HR and finance workload by removing the need for manual salary advances and reconciliation.

Provides short-term financial flexibility without classifying the transaction as a loan or applying APR-based interest.

Transparent, consent-based fees: users agree to fixed transaction charges before each withdrawal.

A simple, predictable workflow - request, receive, and expect automatic deduction in the next payroll cycle, which makes the service easy to adopt for employees and employers.

Disadvantages

The service is available only to salaried employees whose employers are registered with the platform, which limits access for independent workers.

Repayment is tied to the employer’s next payroll cycle regardless of withdrawal date, which may not align with every user’s cashflow timing.

Fixed transaction charges apply to each withdrawal and are deducted along with the transacted amount.

Development Team

The platform is operated by an entity licensed and registered as a Non‑Banking Financial Company under the national securities regulator and is listed as a whitelisted digital lending app, reflecting its focus on regulatory compliance and employee financial wellness.