Three years in global tech. Studying how other countries protect salaried workers. Coming back to India with one question: why doesn't this exist here?
The Origin Story
I spent three years building data systems at Rakuten Mobile in Tokyo and Rakuten Symphony in Germany. Structured engineering environments, well-compensated roles, strong teams.
That time gave me a close look at how different countries think about employment stability and financial protection. The systems in place — how income continuity is handled, what safety nets exist, how workers navigate job transitions — were noticeably more developed than what I had seen or heard about back home.
When I later looked at India's tech ecosystem through news, LinkedIn, and industry conversations, the contrast became difficult to ignore. Job volatility here is significantly higher. The IT sector cycles through hiring waves and layoff rounds with regularity. Startups scale and contract fast. Yet the financial infrastructure to absorb that volatility has not kept pace.
EPF is essentially access to your own savings. ESIC has limited practical coverage for professionals at meaningful salary levels. Beyond that, there is no real income protection layer for most salaried workers in India. The gap is structural, not accidental.
That became the core question I could not set aside: why doesn't a practical income protection system exist for India's salaried workforce?
The answer was not that it couldn't be built. It was that no one had focused on building it for this specific context yet.
So I came back. And I started building it.
"A future where losing your job is a career transition — not a financial catastrophe."
What We Believe
We believe the strongest safety nets are built by people who look out for each other. Every member contributes to a pool that protects the whole community.
We publish exactly how funds are collected, managed, and distributed. Our community deserves to know where every rupee goes.
When someone loses their job, they need help in days, not weeks. We've built our entire claims process around 48-hour approvals.
Your employment data, salary, and personal information is yours. We are DPDP Act 2023 compliant and never sell data to third parties.
We don't give handouts. We give professionals the tools, network, and financial cushion to bounce back stronger after a setback.
Every feature is designed for the realities of the Indian job market — from IT sector cycles to startup volatility to BFSI layoffs.
The Founder
IncomeSafe is currently a solo founder project. Every line of code, every design decision, every policy — built by one engineer who saw the problem firsthand.
We're a small, early-stage team right now. As IncomeSafe grows, this page will grow with it. If you believe in this mission and want to help build it — reach out.
Our Journey