2024
Founded
Structured as a private limited company with a consultation-led service model.
Consultation-led financial planning
Protection.
Income.
Clarity.
A consultation-led financial planning partner for families, employees, and business owners who want the terms explained before they decide.
Entity
Registered Pvt Ltd Co
Network
Established Insurers
Presence
Kolkata Headquartered
About PayGain
A consultation-led financial services company built around clarity before commitment.
PayGain Multi Services Pvt. Ltd. helps Indian families, employees, and business owners understand protection, income, renewal support, and long-term planning options through documented conversations.
Company proof below is taken from PayGain's internal brochure material and is kept factual: no product-return claims are used in this homepage proof block.
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Cities Served
Advisory conversations and service presence across a growing city network.
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Clients
Client conversations focused on suitability, documentation, and clear next steps.
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Lectures
Education-first sessions for families, customers, employees, and teams.
Financial Solutions
Six routes into a clearer planning conversation.
Choose the need that best matches your family, income, asset, or planning priority. Final recommendations happen only after review and documentation.
01
Life Insurance
Protect family continuity, liabilities, and income dependency with a guided cover conversation.
Discuss life protection 02Health Insurance
Review medical-cost exposure, family floater needs, and policy conditions before deciding.
Review health cover 03Motor Insurance
Plan vehicle protection with premium continuity, claim support, and document clarity in view.
Plan motor cover 04Child Future Planning
Discuss education and milestone funding with time horizon, budget, and risk clearly explained.
Plan child goals 05Retirement Income
Prepare for future income, renewal pressure, and family stability through structured review.
Discuss income planning 06PayGain Pulse
Use calculators, market snapshots, and planning guides before speaking with an advisor.
Open planning tools
Coverage
Serving families across 10+ cities from a Kolkata base.
PayGain presents itself as a named, reachable team rather than an anonymous lead funnel. The homepage should make that presence visible before asking for a form submission.
Visible operating base and consultation presence.
Field conversations and customer education across multiple markets.
Insurance-partner routes are shown as proof, not decoration.
Planning tools support a more informed consultation.
Consultation Journey
Discover, match, document, and support.
A clear path from first conversation to post-onboarding guidance.
Discover
Share your family, income, responsibilities, budget, and planning need.
Match
Compare suitable routes across protection, income, health, motor, or child planning.
Document
Review official brochures, policy terms, illustrations, exclusions, and conditions.
Support
Continue with visible support after onboarding, renewals, and service requests.
Leadership
A named team behind the advice.
Meet the people responsible for guidance, operations, and client communication before you begin a planning conversation.
Founder & CMD
Somesh Khanra
Management Leadership
Company leadership and long-term business direction.
Co-founder & CEO
Amit Kumar Das
Lt Col (Retd)
Operations leadership with disciplined client-service oversight.
Independent Director & President
O P Vaishnav
Maj Gen (Retd)
Governance presence and senior institutional credibility.
Independent Director
Praveen Sharma
Lt Col (Retd)
Governance presence and strategic planning support.
VP HR & Strategic Communications
Rafiq ul Islam Mullick
Col (Retd)
People, communication, and trust-building systems.
Partner Proof
Recognised insurance partners shown clearly, without turning logos into the whole story.
Additional Structured Opportunities
Preference Share Opportunities
Preference shares are structured corporate financial instruments, not traditional insurance protection plans. They are discussed only after suitability review, client profile assessment, and evaluation of official offer documents and terms.
Private Planning Conversation
Start with the responsibility you want to protect.
Choose one planning route. Final submission happens only after you review the full requirement form and consent.
COMMON QUESTIONS
Frequently Asked Questions
Simple answers before your consultation with PayGain.
How does PayGain help me?
PayGain helps you explore protection-first financial planning solutions for life coverage, health protection, child future planning, retirement security, future income planning, and long-term family stability.
Does PayGain show all plan details on the website?
No. Since financial planning depends on your age, goals, budget, responsibilities, and eligibility, detailed plan information is shared only during consultation.
What is Renewal Support?
Renewal Support is a PayGain support approach that may help eligible customers reduce the pressure of continuing selected premiums. Exact details are explained after understanding your case.
Can PayGain help me plan for regular income?
Yes. PayGain helps customers explore structured solutions that may support future regular income needs or income-support options, depending on the selected option and applicable terms.
Can I choose a plan based on my budget?
Yes. PayGain’s team understands your financial capacity, responsibilities, and goals before suggesting suitable options.
How do I get plan details?
You can call PayGain, email the team, or book a consultation. Our team will explain suitable options privately based on your needs.
Are benefits guaranteed?
Benefits vary depending on the selected plan, insurer rules, and eligibility. Certain benefits may be guaranteed per policy terms, while others depend on market or company performance. This is clearly explained using official illustrations during consultation.
What documents should I read before deciding?
Customers are advised to read the official policy document, benefit illustration, brochure, and applicable terms and conditions provided by the insurer or company before making any financial decision.