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Dual-Entity Structure
MadadSetu separates charitable operations (Trust) from technology (MadadSetu Online Ventures Private Limited). The platform fee never enters the Trust's books. There is no commingling of charitable and commercial funds.
Public Charitable Trust · Pune, Maharashtra
Your Donation Becomes a Health Insurance Policy
— In a Real Family's Name.
MadadSetu is not medical crowdfunding. We do not collect money after an emergency. We purchase health insurance before one strikes — for verified Below Poverty Line families who would otherwise have nothing.
One Medical Bill Can Erase a Lifetime of Savings
India has Ayushman Bharat. It helps. But it isn't enough.
6.3 Crore
People pushed below the poverty line every year by a single medical bill
~40%
BPL households not covered under Ayushman Bharat PM-JAY due to outdated SECC data
₹15,000
Annual cost of a family-floater retail health insurance policy — less than ₹1,250 per month
Sources: Public Health Foundation of India; Ayushman Bharat PM-JAY data; IRDAI retail premium benchmarks.
How Your Donation Becomes Health Insurance
Three steps. Zero ambiguity. The policy belongs to the family — not to us.
- 01
You Donate
You donate any amount towards a verified BPL family's ₹15,000 annual insurance goal. 85% of every rupee is locked for insurance premiums and emergency grants. Maximum 15% covers platform costs — enforced at the payment gateway, not just on paper. You receive an auto-generated 80G tax certificate.
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The Trust Pools
MadadSetu Charitable Trust aggregates donations from multiple donors until a family's goal is fully funded. The Trust's accounts are audited annually by a registered Chartered Accountant. All financial data is published. There is no discretionary fund — every rupee has a named purpose.
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A Policy Is Issued
Once fully funded, MadadSetu instructs Samavesh — an IRDAI-registered insurance broker — to purchase an individual family-floater health insurance policy in the beneficiary's own name. The family receives the policy document directly. It is their asset, not ours.
Why MadadSetu Is Not Another Crowdfunding Platform
We respect what Ketto and ImpactGuru do. They help families survive crises. We exist so those crises don't destroy them in the first place.
| Feature | Ketto / ImpactGuru | MadadSetu ✓ |
|---|---|---|
| When it helps | After a medical crisis | Before any emergency |
| What the beneficiary gets | Raised cash (if goal met) | A named insurance policy |
| Donor knows where money goes | Partially — campaign description | Fully — 85/15 split at gateway |
| Excess funds policy | Platform discretion | No excess: 100% goal-based funding |
| Tax benefit | Varies by campaign | 80G on every donation |
| Admin fee transparency | 20–22% disclosed in fine print | 15% cap, gateway-enforced |
| Asset ownership | None (cash disbursed) | Policy in family's own name |
| Proactive / Reactive | Reactive | Proactive |
Built for Transparency from Day One
We designed MadadSetu specifically to address the opacity that critics have raised about India's crowdfunding ecosystem.
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Gateway-Level Split
The 85% charitable donation and the 3% platform fee are split at the payment network level — both transactions happen simultaneously at the moment you pay. Neither entity handles the other's money.
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Auto-Issued 80G Certificate
MadadSetu files Form 10BD (annual donor ledger) each year. Your Form 10BE tax certificate under Section 354 of the Income Tax Act, 2025 is auto-generated — you do not need to request it.
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DPDP Act Compliant
All beneficiary data — PAN, BPL card numbers, medical information — is encrypted at rest (AES-256) and stored exclusively on servers in India (AWS Mumbai). We comply with the Digital Personal Data Protection Act, 2023.
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Annual Public Audit
MadadSetu Charitable Trust is audited by an independent Chartered Accountant. Audited financials will be published on this website annually. No selective disclosure.
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Zero Cash to Patients
Emergency grants are wired directly to the hospital's corporate account under the patient's UHID (Unique Health ID). No cash ever passes through the beneficiary's hands.
The Numbers Are Simple
₹500
One donor's typical contribution to a ₹15,000 goal
85%
Locked for insurance premiums and emergency hospital grants
₹0
Cash ever paid directly to any patient or family
Frequently Asked Questions
- What is MadadSetu?
- MadadSetu is a Public Charitable Trust registered in Pune, Maharashtra, that converts donations into individual health insurance policies for verified Below Poverty Line (BPL) families. Unlike medical crowdfunding, MadadSetu acts before an emergency strikes — not after.
- How does my donation become a health insurance policy?
- When a BPL family's fundraising goal is fully met, MadadSetu Trust instructs Samavesh — an IRDAI-registered insurance broker — to purchase an individual family-floater health insurance policy in the beneficiary's own name. The policy is owned by the family, not the Trust.
- Is my donation eligible for 80G tax deduction?
- Yes. Donations to MadadSetu Charitable Trust are eligible for tax deduction under Section 354 of the Income Tax Act, 2025 (equivalent to the old Section 80G). An auto-generated Form 10BE tax certificate is issued after the annual Form 10BD filing.
- What percentage of my donation reaches the beneficiary?
- 85% of every donation is locked exclusively for insurance premiums and emergency medical grants. A maximum of 15% covers platform and administrative costs. This is enforced at the payment gateway — not just as policy.
- Does Ayushman Bharat not already cover BPL families?
- Ayushman Bharat PM-JAY covers inpatient hospitalisation for eligible families, but millions of BPL households do not appear in the SECC database and receive no government coverage. PM-JAY also excludes outpatient care and preventive health. MadadSetu fills this gap with retail insurance in the beneficiary's own name.
- How is MadadSetu different from Ketto or ImpactGuru?
- Ketto and ImpactGuru are reactive platforms — they help families raise money after a medical crisis has already happened. MadadSetu is proactive: it funds health insurance before any emergency, so the family has a named policy in place when they need it. There is no excess-funds discretion, no opaque admin fee, and the insurance policy is the family's permanent asset.
- Which insurance company issues the policy?
- Policies are purchased through Samavesh, an IRDAI-registered insurance broker, who selects from IRDAI-approved health insurance underwriters based on the most suitable product for the beneficiary family's profile.
₹500. One Donor. One Family Insured.
30 donors. ₹15,000. One family-floater health insurance policy — in their name, for a full year. 80G receipt auto-issued. No fine print on where the money goes.
Donate Now — Insure a Family80G tax deduction eligible · All data encrypted · DPDP Act 2023 compliant
Questions? Write to us at info@madadsetu.org — we respond within 24 hours on working days.