For workers · Money & protection
Formal money and real protection, for workers the system leaves out.
Regulated insurance, savings, and credit, bundled into membership.
Money that moves
Everyday spending, sending and saving, from one app.
A member pays for essentials, sends money home, and tops up savings without a commission agent taking a cut. Every transaction is digital, traceable and builds the formal financial history that unlocks fair credit, so the money workers earn actually reaches the people it's meant for.
The gap
Excluded from formal finance, exposed to every shock.
A worker with no credit history borrows from a moneylender at 30%. A family with no cover sells land after one accident. Remittance agents skim every transfer. None of this is because workers earn too little to be served, it's because no one built for them.
No safety net
One accident undoes years of saving
Without accident or health cover, a single hospitalisation wipes out savings and pushes families into debt.
Predatory credit
Moneylenders at 30% and more
With no formal credit history, workers turn to informal lenders for even small, short-term needs.
Leaking remittances
Fees on money sent home
Informal channels quietly take a commission on every transfer, money that should reach the family.
What members get
Every product a member needs, in one app.
Protection, savings, payments, credit, and government schemes, filter by what you need. Delivered with regulated, licensed partners; Nia is the trusted distribution and enrolment layer.
Protection
Up to ₹1 lakh coverHealth cover
Cashless hospitalisation for members and family
A group health policy with cashless treatment at network hospitals, plus telehealth and basic care included with membership. Add a family floater to cover parents, spouse, and children back home.
Protection
₹2 lakh · ₹20 / yearAccident cover
Income protection if a member is injured and cannot work
Personal accident insurance that pays out for disability or loss of income from a workplace or road accident, the risks migrant workers face most. Enrolment includes the government PMSBY scheme.
Protection
₹2 lakh+ · ₹436 / yearLife cover
A payout that reaches the family, not a lender
Term life cover so that if the worst happens, money reaches the family directly and quickly. Enrolment includes the government PMJJBY scheme, topped up by a Nia group term plan.
Protection
Fast payoutsBetter insurance plans
Affordable health and accident cover that pays out fast
Group health and accident plans priced for a worker's wage, with fast, cashless claims so a payout reaches the member when they need it most, not weeks after. Negotiated for the whole community and delivered with IRDAI-licensed insurers.
Savings
Low fees · easy accessBetter savings accounts
Low-fee, easy-access accounts built for irregular pay
Simple, low-fee accounts designed for the way migrant workers actually earn, irregular pay cycles and money sent home, with no minimum balance and instant access whenever a member needs their funds.
Savings
No minimum balanceGoal savings
Auto-save a slice of every wage in the Nia app
Set a goal, a sister's wedding, a plot back home, school fees, and Nia moves a small amount aside automatically each payday into an interest-bearing account the member fully controls.
Savings
Govt-matched (APY)Pension & long-term
A retirement account that follows the worker
Assisted enrolment in the Atal Pension Yojana (APY) and NPS, with small automatic contributions, so a member building India also builds a pension for themselves.
Payments
0% commissionRemittances
Send money home with zero commission
Instant transfers to any bank account or UPI ID back home, no agent, no queue, and none of the commission that informal channels quietly take from every rupee sent.
Payments
One app, everythingNia wallet
Cashless across the Studio, kitchen, and JOGO store
One wallet for meals, the JOGO store, recharges, and rent, so members don't carry cash, and every rupee spent and saved is visible in one place.
Credit
0% interestWage advance
Interest-free advance instead of a moneylender
A small, interest-free advance against wages already earned, for the gap before payday or an emergency at home, replacing the informal lenders who charge 30% and more.
Credit
Formal credit scoreBuild a credit history
On-time rent and savings that count
Regular membership payments, savings, and repaid advances build a formal, reportable track record, the credit history most migrant workers are never given the chance to earn.
Government
Assisted at the StudioScheme enrolment
e-Shram, ESIC, PF and more, done for you
Wardens and the Nia app help members register for e-Shram, ESIC, EPF, and state welfare schemes, benefits workers are entitled to but rarely manage to claim on their own.
Cover at a glance
Real protection, for the price of a chai a week.
Nia enrols every member into low-cost government schemes and tops them up with group policies negotiated for the whole community.
| Cover | What it pays | Premium | Through |
|---|---|---|---|
| Accident | ₹2,00,000 for death or disability | ₹20 / year | PMSBY + Nia |
| Life | ₹2,00,000 term life to the family | ₹436 / year | PMJJBY + Nia |
| Health | Up to ₹1,00,000 cashless hospitalisation | From membership | Nia group policy |
| Pension | Guaranteed pension from age 60 | From ₹42 / month | Atal Pension Yojana |
Insurance is underwritten by IRDAI-licensed insurers and lending by regulated partners. Nia distributes and helps members enrol, it does not underwrite risk.
How it works
Enrol at the Studio. Manage from your phone.
Join Nia
Members are enrolled into accident, life, and government schemes as part of membership, no forms to chase.
Set it up in the app
Turn on goal savings, add a family health floater, and set your home account for zero-commission transfers.
The warden helps
Stuck on e-Shram, ESIC, or a claim? The Studio warden and RafiQi assistant guide you in your language.
Government schemes
Benefits workers are owed, actually claimed.
Millions of workers are eligible for welfare schemes they never manage to register for. Nia does the paperwork so members get what they're entitled to.
Identity & welfare
e-Shram & state welfare
Register on the national e-Shram database and eligible state welfare boards to unlock benefits and portability.
Health & provident
ESIC & EPF
Ensure employers enrol members correctly for medical benefits and provident fund, and help track contributions.
Protection
PMSBY & PMJJBY
Accident and life cover of ₹2 lakh each for a few rupees a year, enrolled automatically with membership.
Retirement
Atal Pension Yojana
A government-backed pension with small monthly contributions, so members retire with dignity, not dependence.
Money that grows. A family that's protected.
Every Nia member gets a Nest, verified work, and now a full set of financial products built for their life. Message us on WhatsApp to get started.