Payments, loans & claims
Advances, loans and claims — without the diary.
Every advance, loan EMI and reimbursement is tracked against the person and settled through payroll. No more notebook of who owes what.
Active loans
Expense claims
New claim
Travel · per kmBill photo attached
Record cash or bank salary payments, give advances and loans with automatic EMI deduction, approve expense claims with bill photos and pay through bank salary files.
Salary payments
Pay in cash, cheque or bank transfer — partial payments and dues tracked per person.
Bank salary files
Export bank advice files; add your bank’s format once.
Advances
Advance salary reduces this month’s due automatically.
Loans with EMIs
Simple or compound interest, or 0%; EMIs deducted in payroll; pause, prepay or close.
Expense claims
Per km, per diem or actuals with limits; bill photos from the app; settle with salary or separately.
Cashbook
Petty cash in and out with receipts and a running balance.
Claims staff can file in 30 seconds
Staff snap the bill, pick the expense type and submit from the app. Managers approve the full amount or a lower one with a comment. Approved claims are paid with salary or right away.
- Limits per day or month
- Proof-required types
- Claims and loans checked before payroll
Active loans
Expense claims
FAQ
Payments, loans & claims: common questions
How are loan EMIs deducted?
When a loan is disbursed pagar karo creates an EMI schedule. Each month’s EMI is added as a “Loan EMI” deduction in payroll and marked deducted when the month is locked.
Can I pay salaries online?
You can export bank salary files today. Direct online payouts through a payout partner are built into the product and switched on when your account is verified.