Apiria is solving the problem of enabling employers help their employees with the most critical challenges they face - and to do it in a way that is a win-win-win for everyone as employers do not have fat budgets to buy solutions. If you zero down on the key employee challenges they boil down to money first & foremost and benefits right after that. Employees don’t have an easy way of understanding all their payroll allowances and how to use them to get the benefit, they are scrambling for tax planning every year in Jan and Feb and end up paying more taxes, they have nowhere to go for urgent last minute financial needs, short/long term loans at good rates or affordable health insurance - every MSME employee suffers from this. And the MSME employer can only do so much - they are not structured to assist with these needs even if they are willing. They have been burnt with salary advances so they shy away from it, they make do with a basic salary structure and don’t put proper allowance and tax planning as a priority for the want of time and effort and health insurance is not even an

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Source: Ministry of Corporate Affairs company master (open data). Capital figures are as-of the 2021 registry snapshot, not live.