Entitled Solutions Brings Inclusive Fintech to India’s Informal Workforce
Mumbai-based fintech startup Entitled Solutions has launched a game-changing platform designed for India’s low-income and informal workers. By blending fintech and healthcare services, it aims to create financial resilience for a segment historically excluded from formal systems. Why Entitled Solutions Exists Founded in 2024 by social entrepreneur Anusha Kulkarni, the startup was created to serve gig workers, daily wagers, and small vendors. These groups often face barriers to credit, savings, insurance, and healthcare, despite India’s rapid fintech expansion. Over 400 million Indians work informally, many without access to even basic financial services or emergency medical funds. Entitled Solutions aims to fix this with a mobile-first, multilingual, and document-light approach, tailored for real-life usage. What the Platform Offers Through its clean, app-based interface, Entitled Solutions provides credit, savings, insurance, and health benefits on a single platform. It works in seven Indian languages and supports offline KYC, making onboarding easy for users with limited documentation. Key features include: - No-collateral microloans from ₹2,000 - Emergency medical cash coverage up to ₹25,000 - Auto-sweep savings wallets with interest - Free doctor consultations via chat or WhatsApp - AI-driven nudges for better credit and wellness habits Designed for Phones, Not Paperwork Many informal workers use entry-level Android phones, so the platform is designed for low bandwidth and small screens. Users can register with just an Aadhaar number and mobile phone—no paperwork or prior financial history is required. For people without smartphones, Entitled Solutions offers voice-based IVR support and in-person onboarding via partner NGOs. Even with low digital literacy, users can navigate the app thanks to AI-powered chatbots and audio prompts. Where Healthcare Meets Fintech What makes Entitled Solutions truly unique is its combined focus on financial access and healthcare support. Many families fall into poverty after medical emergencies; this platform bundles healthcare coverage with savings and credit tools. In collaboration with healthtech firms and state authorities, it offers prepaid health cards and cashless outpatient care. These services are available at over 500 partner clinics in Tier 2 and Tier 3 towns, strengthening the platform’s offline reach. Impact and Early Growth The platform is currently live in Maharashtra and Uttar Pradesh, where it has already onboarded 250,000 users during pilot phases. User response has been strong, especially among women, domestic workers, and small shop owners seeking better financial safety nets. Kulkarni explained, “We asked people directly: what keeps you secure? That insight shaped every feature of Entitled Solutions.” It’s fintech built on empathy, designed for inclusion, and powered by the realities of India’s informal economy. Funded for Expansion Earlier this year, Entitled Solutions raised $3.2 million in pre-Series A funding led by Elevar Equity and impact investors. This funding will support expansion into five new Indian states, improve language accessibility, and enhance AI-driven risk scoring. The company is also part of India’s Account Aggregator ecosystem, allowing secure, user-controlled data sharing across financial institutions. Its partnerships span NBFCs, micro-insurers, telemedicine providers, and cooperatives, ensuring a well-integrated user experience. What’s Next? By the end of 2025, Entitled Solutions aims to serve one million users, with a strong focus on women and gig workers. It is also exploring integration with government schemes like PM-JAY and Jan Suraksha for deeper systemic impact. If successful, Entitled Solutions could redefine India’s inclusive fintech space, making financial dignity a right—not a privilege. It’s more than an app—it’s a lifeline that brings opportunity to workers long left behind. Read the full article
