Preserve working capital
Avoid deploying a substantial amount of cash at once for annual or large commercial insurance premiums.
Insurance Financing. Simplified.
Insure Today.
Pay Smarter.
Insurance premium financing built around your cash flow.
Big insurance premiums shouldn’t mean big disruptions to your working capital. Compare available financing options, complete the process digitally and manage repayments through a structured, transparent workflow.
Digital journey Regulated lending partners Transparent costs
*Financing is subject to eligibility, lender approval, applicable charges and terms. Insurance cover is subject to the insurer’s acceptance and policy conditions.
COMMERCIAL PREMIUM · ILLUSTRATION
Annual insurance premium
₹10,00,000
Financed over6 months
Illustrative rate12% p.a.
₹1,72,548 / month (est.)
Illustrative reducing-balance estimate · not an offer
Cash preserved for operationsPayroll · inventory · suppliers
Policy renewed on time
Support timely renewals
Start the financing process before policy expiry and reduce avoidable delays in premium payment.
Improve cash-flow planning
Align scheduled repayments with business cash flows, subject to the approved repayment terms.
One connected ecosystem
Bring customers, brokers, agents, insurers, lenders and platform administrators into a coordinated digital journey.
What is insurance premium financing?
A smarter way to finance
insurance premiums.
Insurance premium financing is a financial arrangement in which an eligible customer obtains funding to pay an insurance premium upfront and repays the financing amount over an agreed period.
Instead of paying a large premium from available working capital, the customer may obtain funding from an eligible bank, NBFC or other authorized financing partner, subject to credit approval and applicable regulations. The platform connects the customer, insurance intermediary, insurer and financing partner.
See how it worksInvoice discountingInsurance premium financing
Financing against eligible invoices or receivablesFinancing for eligible insurance premium payments
Helps unlock cash tied up in receivablesHelps preserve cash otherwise used for premium payments
Funding assessed against business and receivable risksFunding assessed against customer creditworthiness, premium and transaction risks
Repayment follows the agreed financing structureRepayment follows the agreed premium-finance schedule
The similarity lies in short-term liquidity management and working-capital optimization. Insurance premium financing is a distinct credit product; it does not create a receivable that can be discounted.
Who can use the platform?
Built for everyone
in the insurance value chain.
Businesses, corporates, intermediaries, lenders and individuals — connected through one digital journey.
Businesses and SMEs
Finance eligible fire, property, marine, fleet, liability, engineering and other commercial insurance premiums while managing working capital.
Learn moreCorporates and large enterprises
Manage high-value insurance renewals, multiple policies, employee benefits and consolidated premium-financing requirements.
Learn moreInsurance brokers, agents and intermediaries
Offer customers a financing pathway alongside eligible insurance products and improve renewal conversion.
Learn moreBanks, NBFCs and financing institutions
Access qualified premium-financing opportunities through a structured digital origination and servicing process.
Learn moreIndividuals and families
Explore financing for eligible personal insurance premiums where a participating lender and a compliant product structure are available.
Learn moreTypes of insurance that can be financed
From fire to fleet.
Health to liability.
The platform supports multiple insurance categories. Availability depends on the participating lender, underwriting rules, policy conditions and applicable regulations.
EMI calculator · Illustrative
Big premium.
Manageable instalments.
Illustrative commercial insurance premium. Move the sliders to see how financing could spread a large premium across a structured repayment schedule.
For a business with a ₹10 lakh annual insurance premium, financing could preserve cash for payroll, inventory, supplier payments and other operating needs. The trade-off is the additional cost of financing.
This calculator uses an illustrative reducing-balance EMI formula. It excludes processing fees, taxes, insurance-related charges, any initial payment timing differences and other lender charges. Actual offers, eligibility, repayment schedules and total costs will vary. The calculator is not a financing offer.
Estimated monthly EMI₹1,72,548for 6 months
Amount financed₹10,00,000
Total interest₹35,290
Total repayment₹10,35,290
Upfront contribution₹0
Principal ₹10L Interest ₹35,290
One connected ecosystem
Customers, insurers, intermediaries
and lenders — in one flow.
The platform brings together insurance premium requirements, digital documentation, credit assessment, financing offers, premium payment and repayment tracking in one streamlined workflow.
- Application, partner matching and workflow
- Premium payment and policy-status tracking
- Repayment reminders, statements and reconciliation
Premium Financing PlatformApplication · Matching · Workflow · Tracking · Reconciliation
Policyholder / BusinessPremium requirement, documents, consent and repayment
InsurerUnderwriting and policy issuance
Broker / AgentInsurance quotation and customer servicing
Bank / NBFCCredit decision, funding and collection
Platform OperationsCompliance, support and reconciliation
Frequently asked questions
Your questions.
Answered.
Understand eligibility, cost, documents and coverage before taking your next step.
See all FAQsIt is a financing arrangement that enables an eligible customer to obtain funds for an insurance premium and repay the financing partner under agreed terms.
Financing may be provided by participating banks, NBFCs or other eligible financing entities. Availability depends on the platform’s partner network and the product offered.
Not necessarily. Eligible categories, minimum premiums, maximum loan amounts and repayment tenures are determined by participating lenders and the relevant product structure.
The amount depends on the premium, applicant profile, lender limits, repayment capacity and underwriting criteria. An application does not guarantee approval.
Depending on the applicant and product, documents may include PAN, identity and address proofs, business registration details, bank statements, financial statements, GST information, insurance quotations and existing policy details.
The cost depends on the lender’s interest rate, tenure, processing fees, applicable taxes and other disclosed charges. Customers should review the complete repayment schedule before accepting an offer.
Your next step
Protect more.
Preserve cash flow.
Talk to our team about financing eligible insurance premiums for your business, your clients or your lending portfolio.