In India’s quickly changing direct-to-consumer market, financial tech is a key element for building trust, improving access, and empowering consumers. Among the new direct-to-consumer startups getting press in India, Kustodian.life stands out with its special goal.
Started in 2023 by Harsh Jain and Kunal Kabra, this financial tech startup is changing how Indian families get to money stuck in things like EPF, PPF, bank accounts, and insurance. By using both a caring approach and tech, Kustodian.life is becoming a fast-growing brand in helping people recover money and get access to their assets.
The idea for Kustodian.life came from a personal experience. After Kabra lost a close friend, he spent years helping the family get back money from various places. He found that dealing with paperwork, language issues, and slow processes made getting money back very difficult. Jain, with his background in design and product creation, realized that tech could make these complicated systems much easier. Together, they created a platform to help families get back the money they deserve, which is often left untouched because of paperwork problems or other issues.
Kustodian.life works as a financial helper. It uses tech to simplify claims for things like EPF and insurance, cutting down the time it takes from months to weeks. Families can see everything in one place, with updates, records, and analysis that help find any missing assets. The platform also has estate planning tools and will-drafting features to protect wealth for the future. It even includes services like emergency loans and quick payouts to make sure families always have money when they need it. This mix of tech and personal support has greatly reduced the effort needed from customers and improved the success rate of claims.
In just a year, this startup has helped over 1,200 families and has many ongoing cases, having recovered a good amount of money. Their income has grown a lot, and most new customers come from referrals and good reviews, showing that trust is driving their growth more than advertising.
Kustodian.life has a clear way of making money, charging fees only when claims are successful or offering a money-back promise for more difficult situations. This trust-based approach has helped them stay profitable as they grow. They’ve also partnered with big names like Google India and others to build trust.
Looking ahead, Kustodian.life plans to raise money to improve its tech, make things even more automated, and grow across the country, especially in smaller cities. By 2027, they want to recover a large sum of money for many families. As financial tech becomes more important, Kustodian.life is becoming a key player, connecting technology, care, and financial recovery.
In a busy market where many brands focus on food and beauty, Kustodian.life is showing that financial tech can also be personal and scalable. With its use of tech, customer-focused plan, and growth ideas, it’s changing how India views financial access, family wealth, and trust.
