#1 Trusted Partner | 10,000+ Nepali Families in India

Protecting Your Family. Building Your Legacy.

Dedicated protection and guaranteed savings designed specifically for the hardworking Nepali diaspora in India. Monthly plans from ₹1,000 with 100% legal validity, 24/7 native support, and double maturity returns.

Quick Plan Estimator
Guaranteed 2x Return
Estimated 12-Yr Maturity Payout:
₹1,20,000*
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check_circle Valid Across India & Nepal
check_circle Instant Digital Policy PDF
check_circle Nepali & Hindi Advisors
Happy multi-generational Nepali family
12,450+
Protected Households
₹29 Cr+
Sum Insured Disbursed
99.4%
Claim Settlement Ratio
24 / 7
Nepali & Hindi Support
🪔 Shubh Deepawali Maha Dhamaka 2026

Spin & Win an Apple iPhone 14, Free Mobile Recharge, or 1 Month Free Installment!

Celebrate the festival of lights with guaranteed financial protection and grand festive rewards. Every policyholder unlocks 1 FREE Lucky Spin on our divine wheel immediately upon completing policy payment.

📱
Grand Jackpot
Apple iPhone 14

128GB Midnight Edition

⚡
Instant Perk
1 Mo. Free Recharge

Jio/Airtel/Vi/Ncell/NTC

💰
Cashback
1 Mo. Installment Free

100% Premium Refund

How It Works

Pay & Unlock Spin

Complete your secure payment to be automatically redirected to your lucky spin turn.

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Community First

Engineered for the Nepali Diaspora in India.

Traditional banks complicate insurance with rigid paper trails. Mahalaxmi builds genuine financial safety with transparent, culturally aligned coverage.

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100% Legal Validity

Full legal recognition under Indian and cross-border agreements. Use your Nepali Citizenship card, Passport, or Indian Aadhaar with zero friction.

Read Official Agreement PDF arrow_forward
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Native Language Advisors

Consult with certified advisors speaking your own language — Nepali, Hindi, or Maithili. No confusing jargon, just honest answers.

Direct WhatsApp & Call Connect
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Double Maturity Growth

Contribute for 5 consecutive years. Let your corpus compound with zero management deduction, doubling your return upon the 12th year.

Guaranteed 2x Wealth Multiplier
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Seamless UPI Auto-Pay

Pay easily using PhonePe, Google Pay, Paytm, or direct IMPS. Automatic receipt delivery right inside WhatsApp with payment reminders.

Instant Digital Receipts
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Hospital Cash Relief

Immediate daily cash assistance during medical hospitalizations to cover lost daily wages and outpatient family expenses.

Up to ₹2,500/Day Inpatient Support
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48-Hr Claim Disbursal

Direct bank transfer to your verified account without bureaucratic delay. 99.4% settlement record backed by personal claim managers.

Dedicated Claim Officer Assigned
Transparent Pricing

Affordable Protection for Every Household.

Select the plan that aligns with your monthly savings target. Upgrade or withdraw per approved policy guidelines anytime.

Starter Tier

Essential

₹1,000 / month

₹60,000 Total Investment (5 Yrs)

  • check_circle Basic Life & Accidental Cover
  • check_circle ₹1,20,000 Maturity Return (Year 12)
  • check_circle Withdrawal Eligible (After 6 Months)
  • check_circle 3% Year-End Loyalty Bonus
Subscribe ₹1,000/mo
Heritage Tier

Silver Heritage

₹1,500 / month

₹90,000 Total Investment (5 Yrs)

  • check_circle Enhanced Life & Accidental Cover
  • check_circle ₹1,80,000 Maturity Return (Year 12)
  • check_circle Flexible Liquidity (After 4 Months)
  • check_circle 5% Year-End Loyalty Bonus
Subscribe ₹1,500/mo
MOST POPULAR
Recommended

Golden Legacy

₹2,000 / month

₹1,20,000 Total Investment (5 Yrs)

  • verified Comprehensive Family Protection
  • verified ₹2,40,000 Maturity Return (Year 12)
  • verified No-Penalty Emergency Liquidity
  • verified 7.5% Year-End Loyalty Bonus
  • verified Priority WhatsApp Advisor Line
Subscribe ₹2,000/mo
Premium Wealth

Majestic Security

₹2,500 / month

₹1,50,000 Total Investment (5 Yrs)

  • check_circle Maximum Family Wealth Protection
  • check_circle ₹3,00,000 Maturity Return (Year 12)
  • check_circle Anytime Immediate Liquidity
  • check_circle 10% Year-End Loyalty Bonus
Subscribe ₹2,500/mo
View Full Plan Feature Comparison Matrix arrow_forward
Interactive Projection

Calculate Your Guaranteed Wealth Growth.

Drag the slider to adjust your monthly contribution. Watch how consistent discipline doubles your corpus with 100% net returns.

₹1,500 / mo
₹1,000 (Min) ₹5,000 ₹10,000 (Max)

Savings Timeline Journey

Years 1–5
Payment Phase
Monthly Deposits
Years 6–11
Growth Buffer
Zero Payments
Year 12
Maturity 2x!
100% Profit Paid
Total Maturity Value (Year 12)
₹1,80,000*

Guaranteed double multiplier payout

Your Investment
₹90,000
Net Profit (100%)
+₹90,000
Lock In This Plan
Fast & Paperless

How It Works in 3 Simple Steps.

No waiting in bank queues. Complete your digital insurance registration in under 3 minutes from your mobile phone.

01
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Choose Plan & E-KYC

Select your monthly tier (₹1,000–₹2,500) and verify identity using either your Nepali Passport, Nagarikta (Citizenship), or Indian Aadhaar.

02
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Convenient Monthly UPI

Activate automated UPI or transfer monthly with helpful reminders on WhatsApp. Enjoy a 30-day grace period with zero penalty charges.

03
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Guaranteed Return & Peace

Instant WhatsApp digital policy delivery. Receive 24/7 claim protection for your family, plus guaranteed 100% maturity payout.

Hassle-Free Settlement

Fast-Track Claims Settled in 48 Hours.

When an unforeseen event strikes, the last thing your family needs is paperwork delays. Our dedicated Claim Officers assist you step-by-step in Nepali or Hindi to ensure direct bank transfer.

1. Notify
Send a message on WhatsApp or call our claim helpline.
2. Upload
Submit hospital/medical records through your phone.
3. Disbursed
Direct NEFT/IMPS transfer to your nominee account.
Track or File a Claim arrow_forward emergency 24/7 Emergency Line
Dedicated Support Advisor
Claims Settlement Ratio
99.4% Approved
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Financial Fortress

214% Solvency Ratio & Sovereign-Backed Reserves

Mahalaxmi operates with rigorous capital solvency standards exceeding regulatory minimums (150%). Over ₹480 Crores in Assets Under Management are ring-fenced in Government Securities (G-Secs) and Tier-1 infrastructure bonds to ensure unconditional claim solvency.

verified Statutory Audit: P.K. Chopra & Co.
security AAA Credit Rated Custody
Solvency Margin
214%

Regulatory minimum is 150%. 1.42x capital buffer for catastrophic claims.

trending_up IRDAI Compliant
Total AUM
₹480 Cr+

Invested in 100% sovereign securities, RBI-backed bonds & gold reserves.

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Reinsurance Treaties
GIC Re & Swiss Re

Global reinsurance syndicates underwrite 100% of catastrophic risk pools.

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Community Trust

Trusted by Nepali Families Across India.

Real policyholders share their experiences with Mahalaxmi Insurance.

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"Working in Delhi restaurants made saving very irregular. The ₹1,000 monthly plan allowed me to guarantee my daughter's education without putting pressure on my daily salary."

Ramesh Thapa
Ramesh Thapa
Connaught Place, New Delhi
star star star star star

"When my husband suffered a fracture at work, Mahalaxmi disbursed the hospital cash assistance within 48 hours without demanding endless documents. A true blessing."

Sita Gurung
Sita Gurung
Whitefield, Bengaluru
star star star star star

"Having an advisor speak to me in Nepali gave me 100% confidence. I can track my monthly deposits and know my savings are legally protected across both countries."

Arjun Poudel
Arjun Poudel
Andheri East, Mumbai
Clear Answers

Frequently Asked Questions.

Everything you need to know about our policies, payments, and legal security.

Who is eligible to apply for Mahalaxmi Insurance plans? expand_more

Any Nepali citizen currently living, studying, or working in India with valid identification (Nepali Citizenship/Nagarikta, Passport, or Indian Aadhaar) can enroll immediately. There are no complicated banking prerequisites.

Is Mahalaxmi Insurance legally recognized in India and Nepal? expand_more

Yes, our plans adhere strictly to recognized bilateral cross-border agreements and guidelines. All policy documents and agreements are legally binding. You can download and inspect our official license agreement directly on this website.

How do monthly payments work and what happens if I miss a month? expand_more

You can pay easily via PhonePe, Google Pay, Paytm, or direct IMPS. We send polite reminders via WhatsApp before each due date. If you miss a payment, you receive a full 30-day grace period with zero cancellation fees.

How does the 100% Double Maturity Return work? expand_more

Under our flagship 5-Year Structured Savings framework, you make contributions for the first 5 years. During years 6–11, your accumulated corpus compounds in our community growth reserve. On the 12th year, your total principal doubles (e.g. ₹60,000 becomes ₹1,20,000), paid directly into your bank account.

How quickly are emergency hospitalization claims settled? expand_more

Once basic admission documentation and bills are photographed and shared via WhatsApp with your personal claim officer, verification is completed within 24 hours and funds are disbursed via IMPS within 48 hours.

View All 30+ Frequently Asked Questions arrow_forward
Statutory Protection

Policyholder Bill of Rights & Grievance Redressal

Every Mahalaxmi policyholder is legally shielded by statutory consumer protections, guaranteed escalation protocols, and independent ombudsman jurisdiction.

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Policyholder Bill of Rights

Under IRDAI (Protection of Policyholders' Interests) Regulations

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Right to 30-Day Unconditional Free-Look

If you disagree with any terms, cancel within 30 days of receiving your electronic policy for a 100% refund of premium paid (less stamp duty and medical expenses).

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Right to Delay Interest (Bank Rate + 2%)

Under IRDAI Regulation 14(10), if any claim is delayed beyond 30 days from submission of complete papers, interest is automatically credited to the nominee at 2% above the prevailing RBI Bank Rate.

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Right to Section 45 Incontestability

After completion of 3 continuous policy years, no death claim can ever be repudiated on grounds of misstatement, omission, or non-disclosure.

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Right to Cross-Border Nominee Remittance

Guaranteed legal remittance of death and survival proceeds directly to nominees residing anywhere in Nepal via RBI-approved bilateral banking channels.

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3-Tier Escalation Protocol

Fast, transparent resolution tracking for every concern

Level 1: Branch GRO SLA: 3 Working Days
Branch Grievance Redressal Officer
Direct support at regional hubs in Delhi, Mumbai, Lucknow & Gorakhpur. Email: grievance@mahalaxmiinsurance.com
Level 2: Head Office CGRO SLA: 7 Working Days
Chief Grievance Redressal Officer
Executive Escalation Desk, Mahalaxmi Tower, Barakhamba Road, Connaught Place, New Delhi 110001. Direct Tel: +91 78360 15566.
Level 3: Statutory Authority Independent Ombudsman
Office of the Insurance Ombudsman
If unaddressed within 30 days, approach the Insurance Ombudsman (Rule 17 of Insurance Ombudsman Rules 2017) at Delhi, Lucknow, Patna or Kolkata.
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Bimalokpal — Integrated Insurance Ombudsman Portal

File an independent dispute appeal online at cioins.co.in or email the Delhi Ombudsman at delhi.ombudsman@cioins.co.in

View Ombudsman Directory
Personal Advisor

Start Your Family's Insurance Today.

Fill out the quick form to receive an official policy proposal and schedule a free phone or WhatsApp consultation in Nepali or Hindi.

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Dedicated Support Hotline
+91 78360 15566
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Central Office
Connaught Place, New Delhi 110001

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