This infographic highlights how KarmaLife gives Indian gig workers real-time access to credit through partnerships with digital work platforms. Customers used the service to pay utility bills, EMIs, and emergency expenses without depending on friends or informal borrowing. Many users reported lower stress levels, improved financial control, and greater confidence managing unexpected expenses during difficult periods, including the COVID-19 pandemic. Approximately 85% of customers said they could not easily find a comparable alternative, while key outcomes included better emergency preparedness and improved ability to manage household expenses. The infographic demonstrates how payroll-linked credit can strengthen financial resilience for gig economy workers.

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