India is a country that doesn’t lack wealth but lacks access to it. It was this realization that led Harsh Jain and Kunal Kabra to establish Kustodian.life in 2023. It is a fintech startup that helps families to secure EPF, pension, and EDLI (Employee’s Deposit Linked Insurance) claims, streamlining recovery journeys with transparency and efficiency. Harsh Jain says,
“As a founder at Kustodian.Life, I’m currently immersed in the exhilarating journey of building a startup from the ground up. I’m leveraging my 10+ years of experience in product leadership to drive our vision of revolutionizing how India manages its financial lifecycle. This role demands a holistic approach, encompassing everything from strategic direction and product development to team building and market execution.
My background as an early founder and seasoned Product Manager, with experience at companies like UrbanPiper, YourStory Media, and MAQ Software, Samsung has equipped me with a unique end-to-end perspective. I thrive on solving complex problems with a customer-first mindset and building high-performing teams that are passionate about impact.”
He got an MBA from ISB Hyderabad. Kabra’s journey had a more personal background. His close friend passed away due to a heart attack, following which, he helped the family in the recovery of their finances. It was overall a very cumbersome process and he realized his absence would have made it even more difficult.
What Kustodian.life Offers
The company offers free investigation and expert help for complex or delayed claims. It also provides support for claims across banks, shares, PPF, and more. The goal is to provide guidance for planning and protecting your family’s future.
Human-Centric Approach
An experienced team withyears of on-ground experience is available at the beck and call of the client. The prices are fixed and based on efforts. They are not determined by the claim amount, till resolution. Jain further comments,
“When families are navigating loss, paperwork and bureaucracy can feel impossible. That’s why our approach goes beyond processing claims. We provide human-centric support, walking with people patiently, and ensuring they find trust, dignity, and reassurance in the process.”
Strong Partnerships and Growth
Partners include Wadhwani Foundation, Bharatsure and Mobikwik. Future plans include raising funds to supercharge its AI stack, deepen automation and expand nationwide. The company also plans to expand beyond metros into Tier II and III cities and rural India.
“What makes growth even more striking is that more than 90% of new customers come through word-of-mouth, validated by strong net promoter score, Google reviews, and heartfelt testimonials,” says Jain.
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