Emerald Finance Limited has entered into a strategic partnership with Punjab Enviro Technology Private Limited, Chandigarh, to offer its Early-Wage-Access program to employees. This initiative is designed to provide instant financial relief by allowing staff to access a portion of their earned wages seamlessly throughout the month.

The partnership aligns with Emerald Finance 's vision to expand its offerings and serve retail customers. The company has been developing a salary advance solution that involves tying up with employers to facilitate these short-term loans. The amount lent to employees is subsequently collected through deductions from their salaries.

Program Details

The Early-Wage-Access program focuses on improving liquidity for employees without waiting for the traditional payroll cycle. Below is an overview of the key aspects of the initiative:

This collaboration marks a step forward in the company's efforts to enhance its financial product suite tailored for the retail segment.

Emerald Finance Limited has announced a strategic partnership with Divineo Health Care Hospital LLP, Haryana, to offer its Early-Wage-Access program to the employees of the firm. The disclosure was made pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, and is dated May 13, 2026.

Partnership Overview

The Early-Wage-Access program is designed to provide instant financial relief to employees by allowing them to access a part of their salaries seamlessly throughout the month. This initiative is part of Emerald Finance's broader vision to expand its product offerings and serve retail customers at large.

The key details of the partnership are outlined below:

Program Structure and Objectives

The Early-Wage-Access product entails tying up with employers to offer short-term loans in the form of salary advances to their employees. The amount lent under this program is subsequently collected through salary deduction, ensuring a structured and seamless repayment mechanism.

The key features of the program include:

• Instant financial relief for employees through mid-month salary access
• Employer tie-up model enabling structured short-term loan disbursement
• Salary deduction-based repayment for seamless loan recovery
• Alignment with Emerald Finance's retail expansion strategy

The disclosure was signed by Amarjeet Kaur, Company Secretary cum Compliance Officer of Emerald Finance Limited, bearing Membership No. F13755, on May 13, 2026.