Kaarva

Kaarva is a financial health platform based in Bengaluru, India, founded in October 2018.

The company focuses on providing salaried employees with on-demand access to a portion of their earned salary, allowing them to withdraw funds multiple times a month without waiting for payroll. This service is particularly beneficial for Generation Z and millennial workers who may experience financial strain during the month. Kaarva offers a simple digital app that enables employees to withdraw small amounts of their salary, access affordable micro-loans, and manage their finances effectively. The platform operates with zero fees, zero interest, and no hidden costs, making it an attractive option for users. Kaarva partners with HR departments and employers to enhance employee satisfaction and financial wellness, serving both individual users and businesses in the fintech sector. The company has raised approximately $539K in seed funding and is valued at around $2.51M.