As India’s credit landscape expands, small-ticket, unsecured loans are becoming increasingly common across NBFCs, MFIs, HFCs, and digital lenders. But one critical question remains—what happens when a borrower passes away, becomes seriously ill, or faces a disabling accident? For lenders, these life events can translate into loan defaults, increased NPAs, and revenue loss.
Enter Xurance, a tech-first startup transforming this challenge into an opportunity. Xurance enables lenders to embed insurance—life, health, and accident coverage—directly into each loan at the point of disbursement. The result? Borrowers gain essential financial protection, and lenders gain business continuity and risk reduction.
At the heart of the platform is the Xurance IMS (Insurance Management System). This seamless integration layer connects directly to lenders’ core systems, offering real-time policy issuance, digital certificate generation, and automated claim servicing. Lenders can go live in just 3–4 days, with minimal disruption.
With ambitious goals to:
Protect over ₹10,000 Cr worth of loans annually
Onboard 500+ lending partners across India
Build a safer, smarter, and more profitable lending ecosystem
Xurance is redefining embedded finance in India. In an era where credit risk is escalating, their proposition is simple yet powerful: protect the loan at the source.