People Mutuals

People Mutuals was estabilished as a seperate entity on second day of October 2003 and registered as a trust under Indian Trusts Act on December 11, 2003. It was promoted by people federations facilitated and organised by DHAN Foundation. The institution is a mutual insurance initiative promoted through colloboration between DHAN Foundation, Oxfam Novib, Rabobank Foundation and Eureko Re insurance company, The Netherlands, Micro Insurance Association Netherlands(MIAN) provides technical support.



"Safeguarding poor from risks and vulnerabilities through mutual solutions and colloboration with insurance providers to reduce poverty"


Programme Components

  • Capacity building/education on mutuality and social security
  • Product promotion and development
  • Mainstream colloboration to ensure risk cover to all people
  • Research, studies and documentation
  • Policy advocacy
  • Institution building



People Mutuals strives to provide access of insurance services to poor through two approaches.

  • Linking mainstream insurance providers with poor when the products are meeting the needs of poor.
  • Identifying the gaps in the insurance company products vis-a-vis the needs of people and facilitating community based mutual risk mangaement solutions at federations and ensuring viability and sustainability of them.


People Mutuals Annual Report 2012-2013 (Download, Size: 256 KB)

People Mutuals Annual Report 2011-2012 (Download, Size: 122 KB)

People Mutuals Annual Report 2010-2011 (Download, Size: 700 KB)

People Mutuals Annual Report 2009-2010 (Download, Size: 1943KB)

Development of Humane Action (DHAN)
Values of DHAN

1. Grassroots action

2. Collaboration

3. Enabling

4. Innovation

5. Excellence

6. Self-Regulation

Contact Information

DHAN Foundation

1A, Vaidyanathapuram East

Kennet Cross Road

Madurai 625 016, Tamil Nadu, INDIA

+91-452-2302500 , 2302598


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