Emerald Finance Limited has announced a strategic partnership with Serve2Grow Services Pvt. Ltd., Haryana, to launch an Early-Wage-Access program for company employees. The partnership was disclosed on March 5, 2026, pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Partnership Details

The collaboration aims to provide instant financial relief to employees by enabling them to access portions of their salaries seamlessly throughout the month. This innovative approach addresses immediate financial needs without requiring traditional loan processes.

Strategic Vision and Implementation

The partnership aligns with Emerald Finance Limited's broader vision to expand its offerings and serve retail customers at scale. The company has been developing a comprehensive salary advance solution that involves strategic tie-ups with employers to offer short-term loans as salary advances.

The operational model is designed for efficiency and convenience:

• Employees can access salary advances instantly
• Loan amounts are collected through systematic salary deductions
• The program provides seamless financial support throughout the month
• Integration with employer payroll systems ensures smooth repayment

Regulatory Compliance

The partnership announcement was made in full compliance with regulatory requirements. Company Secretary cum Compliance Officer Amarjeet Kaur (Membership No.: F13755) signed the disclosure document, ensuring adherence to LODR Regulations 2015.

Business Impact

This initiative represents Emerald Finance Limited's commitment to innovative financial solutions that address real-world employee needs. By partnering with Serve2Grow Services Pvt. Ltd., the company is positioning itself to capture opportunities in the growing employee financial wellness sector while expanding its retail customer base through employer partnerships.

Emerald Finance Limited has further expanded its Early-Wage-Access program through a new strategic partnership with Netgen world, Chandigarh. The company disclosed this latest development on March 2, marking its fourth partnership in the employee salary advance segment following earlier collaborations with Kapoor Project and Management Consultants Pvt Ltd, Passim Lifesciences Ltd., and Vera Developers Pvt. Ltd.

Latest Partnership Development

The new collaboration with Netgen world follows the same successful model established with previous partners, focusing on providing instant financial relief to employees by enabling access to portions of their earned salaries throughout the month. This partnership was disclosed in compliance with Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Program Structure and Implementation

The Early-Wage-Access program operates through a structured salary advance mechanism across all four partnerships. Emerald Finance provides short-term loans to employees as salary advances, with repayment facilitated through direct salary deductions. This model ensures seamless recovery while providing immediate liquidity support to the workforce.

The company's strategic approach involves tying up with employers across various sectors to offer these financial solutions. This eliminates the traditional wait period for salary disbursement, offering employees greater financial flexibility and addressing immediate financial needs.

Strategic Expansion Initiative

These partnerships represent Emerald Finance's commitment to expanding its offerings and serving retail customers at scale. The company has been developing this salary advance solution as part of its broader vision to diversify beyond traditional lending services into employer-employee financial solutions.

The succession of partnership announcements demonstrates the company's aggressive expansion strategy in the Early-Wage-Access segment. All disclosures were signed by Amarjeet Kaur, Company Secretary cum Compliance Officer (Membership No.: F13755), emphasizing consistent regulatory compliance and operational transparency in this growing business vertical.