AyushPay
The Short Story
Financing affordable care for 600M left out of public and private insurance
Founded : 2021
Location : Delhi
Partnered : 2025
Website : https://www.ayushpay.com///
The Long Story
Problem
In India, nearly half of all healthcare expenses are paid out-of-pocket, with 23% of hospitalisations financed through borrowings. This leaves the country’s “missing middle” — around 600 million people — without a viable safety net when medical emergencies strike.
Idea
AyushPay is reimagining healthcare financing for underserved Indians. Founders Nimith Agrawal, Vivek Kapoor, and Col. Hemraj Parmar bring together operational expertise, empathy, and sectoral depth to build a platform that enables affordable care through smart, inclusive credit.
Solution
AyushPay partners with hospitals and NBFCs to offer pre-approved credit lines for emergencies, OPD services, diagnostics, and pharmacies. With a B2B2C model and credit subsidies driven by healthcare providers, the platform delivers low-cost, tech-enabled financial access — designed for scale, inclusion, and impact.
