Kalajiva Technologies

Every year, millions of people in India lose income because of extreme weather — like heavy rain, heatwaves, or floods — with no safety net. Most insurance companies focus on high-value customers. That leaves informal workers, small farmers, gig workers, and micro-entrepreneurs without any meaningful protection.

Kalajiva is building a solution to fix that.

We are a unified insurtech platform that helps insurers offer climate-linked insurance to underserved communities. These insurance products are simple, automated, and fast — using real-time weather data to trigger instant payouts when an event occurs. No paperwork. No delays.

Kalajiva is currently incubated at the Indian Institute of Information Technology – Atal Incubation Centre, Kottayam and actively working with insurers to build inclusive, climate-resilient insurance pilots.

Our Solution

Our solution is a unified insurtech platform purpose-built to enable simple, event-triggered insurance to underserved communities. We help insurers design and distribute parametric products that offer fast, paperless payouts during climate shocks like heavy rainfall, heatwaves, or floods. By integrating real-time data and partnering with grassroots networks — Kalajiva makes climate-linked protection accessible, affordable, and scalable.

Partner With Us

Kalajiva is actively building partnerships with insurers, community organizations, and ecosystem enablers who share our mission of creating financial protection for the underinsured. If you’re interested in exploring a pilot, co-developing a product, or enabling distribution through your network, we would love to hear from you.

Kindly reach out to sekhar@kalajiva.in