The crisis Benchmark The causes ANVAYA reads Your team's screen NYAYA · DARSHANA Why trust us The founders
MACTAI · A product of Anvium AI Labs
4.88 lakh
Road accidents a year
SOURCE · MoRTH
10.73 lakh
Families waiting in court
SOURCE · NJDG, SUPREME COURT
₹90,000 Cr
Reserved and frozen
SOURCE · NL-37 / IRDAI
4 years
Average time to settle
SOURCE · NL-37 / IRDAI

It all waits on files no one can read at this scale.

MACTAI reads them. AI that turns every MACT claim file — any Indian language, even handwritten — into a structured decision.

Share five of your most difficult files — structured output within a day See the product →
MACT-ANVAYA · in production NYAYA · DARSHANA — ready, in private preview
The crisis · in full

Seven numbers. One broken system.

0 L
road accidents in India, 2024
MoRTH 2024
0 L
families lost someone they loved
MoRTH 2024
0 L
injured — many losing livelihood overnight
MoRTH 2024
0 L
families waiting in court — 2nd largest pending category in the judiciary
NJDG / SC 2025–26
₹0 Cr+
reserved by insurers — sitting on balance sheets
NL-37 / IRDAI
0 yrs
average time to settle a single claim
NL-37 / IRDAI
0 yrs
the oldest claim still pending
Industry
The system is broken — and the data proves it.
See where you stand →
The mirror

Where does your company stand?

Same tribunals. Same law. Eight-fold variance in what insurers reserve per claim.
See your book read — request an evaluation
NL-37 / IRDAI public disclosures · 24 insurers · avg reserve per claim (Rs Lakh) vs claims pending · compiled by MACTAI.
The causes

Why are they still waiting?

REASON 01
A morass of documents

Petitions, FIRs, medical records and spot sketches — every format, multiple Indian languages, much of it handwritten, scattered across hundreds of district courts. No two look alike, and no existing system could read them at scale.

MACT-ANVAYA
REASON 02
Insurers without a digital backbone

Tens of thousands of cases, hundreds of courts, thousands of advocates — with no centralised system. Every case is an island: no visibility, no consistency, no control at the portfolio level.

MACT-DARSHANA
REASON 03
Courts stretched beyond capacity

Over 10 lakh pending cases, hearing dates months apart, adjournments compounding into years. The way out isn't to wait for the court — it's to settle before it gets there. Early Lok Adalat settlement cuts years of hearings and the entire interest burden.

MACT-NYAYA
Three reasons everyone talks about. And one nobody does.
Have we missed anything?
Three reasons. Three products.
↓
The product

One reading engine. Three products.

ANVAYA reads every claim file into structured data. NYAYA values the claim from that data; DARSHANA watches the whole book. Pick one to see it in detail.

MACT-ANVAYA
In production
Reads the claim file.

Every document — any Indian language, even handwritten — read, cross-checked and posted into your core claims system as a ready Claim Note.

See it in detail ↓
MACT-NYAYA
Private preview
Values every claim.

A defensible award range per claim from day one — age, income, injury, tribunal and precedent — instead of thumb-rule reserves corrected years later.

See it in detail ↓
MACT-DARSHANA
Private preview
Watches the whole book.

Every case, every district, every hearing date on one live screen — so a transfer or retirement never takes a case's history with it.

See it in detail ↓
MACT-ANVAYA · DOCUMENT INTELLIGENCE
IN PRODUCTION

अन्वय / the thread that connects

A pile of documents becomes a Claim Note — automatically. No templates, no retraining when the next petition arrives in an unfamiliar hand.

STEP 1 · READS
Every document in the file — any Indian language, even handwritten.
STEP 2 · CHECKS
Cross-checks every field and flags anything that doesn't reconcile.
STEP 3 · POSTS
A ready Claim Note, straight into your core claims system.
What comes in
Summons
Form-B · tribunal notice
FIR · station diary
FIR 182/2024
Petition · Telugu
మోటారు ప్రమాద నష్టపరిహారం
Petition · Hindi
मोटर दुर्घटना दावा याचिका
Petition · Tamil
விபத்து இழப்பீட்டு மனு
Handwritten note
Quantum Rs.18,50,000/-
→
What comes out · Claim Note
Claim · petition_2024_01847
READY
PetitionerR. Murugesan
Date of accident03 Nov 2024
TribunalMACT, Salem
Quantum claimed₹18,50,000
InjuryFracture, L. tibia · ORIF
The system checks automatically
— before a claim ever reaches a person.
✓Names & parties reconcile across FIR, petition & medical records — even across scripts
✓Accident date agrees on the FIR and the petition
✓Vehicle number & insurer match the policy on record
✓Policy was in force on the date of accident
✓Quantum claimed reconciles with its heads — medical, loss of income, and more
✓Chronology holds — date of birth → accident → filing
✓Injury & disability match the medical certificate
✓Missing mandatory documents flagged — FIR, policy copy, medical certificate
✓Low-confidence fields flagged for review
↺ Human-in-the-loop. A claims officer confirms or corrects only what's flagged — and every correction makes the next extraction smarter.
Hindi Tamil Telugu English + handwritten
what your team sees↓
MACT-ANVAYA · WHAT YOUR TEAM SEES

Your claims officer reviews — never re-types.

Every field arrives with a confidence score. High-confidence fields are auto-confirmed; only what needs a human is flagged. Nothing posts to your core system unchecked.

MOTOR ACCIDENT CLAIMS TRIBUNAL
PETITION UNDER SECTION 166
Petitioner: R. Murugesan
DOB: 15-08-1982
Vehicle: TN 38 AZ 4721
Quantum: Rs.18,50,000
SOURCE FILE · photocopy, mixed script
Review · Claim petition_2024_01847
4 of 5 auto-confirmed
Petitioner nameR. Murugesan0.98
Date of birth1982-08-150.94
Accident date2024-11-030.91
⚑ Quantum claimed · needs review₹18,50,0000.76
TribunalMACT, Salem0.95
Flows into your core claims system on confirm Confirm & post
Send us your five hardest files. We'll return the structured output within a day.
Share five of your most difficult files — structured output within a day
The product · what reading unlocks

Once every claim is readable, the rest becomes possible.

ANVAYA turns the whole book into structured data. NYAYA and DARSHANA are built on that foundation — working today, in private preview with early partners.

MACT-NYAYA · न्याय · RESERVE ESTIMATION
Private preview
Value every claim from day one.

Reserves set by thumb-rule at intake, corrected years later by shock top-ups. NYAYA predicts a defensible award range per claim — from age, income, dependents, injury, tribunal and precedent — on day one. The eight-fold variance across insurers becomes one evidence-based anchor.

Request a demonstration →
CLAIM · petition_2024_01847
CONFIDENCE 0.88
Predicted award range — defensible
₹8.2 Llikely ₹11.4 L₹14.6 L
Drivers · age 34 · income ₹4.2 L/yr · 2 dependents · permanent partial disability · MACT Salem precedent
MACT-DARSHANA · दर्शन · CASE INTELLIGENCE
Private preview
See the whole book at once.

Every case, every district, every officer — one screen, updated in real time. When an officer is transferred or retires, the case doesn't miss a beat: its history, documents, hearing dates and advocate all live in DARSHANA — not in someone's memory.

Request a demonstration →
PORTFOLIO · 1,624 CASES · 14 STATES
● LIVE · e-courts
Urgent · 23 Hearing ≤ 7 days · 41 Ready for Lok Adalat · 88
TAREEK PE TAREEK · NEXT 7 DAYS
MACT Salem · Ramesh v. United India14 Jul
⚠ MACT Pune · advocate not appointed16 Jul
MACT Guntur · ready for Lok Adalat18 Jul
ANVAYA is in production today. NYAYA and DARSHANA are ready on the same reading engine — ask for a demonstration.
Why trust us

Your compliance team should not have to fight to approve us.

DEPLOYMENT · MOST PICKED
In your cloud.

We ship into your AWS, Azure, or private data centre. Documents never leave your perimeter — your KMS, your logs, air-gapped option for regulated workloads.

DEPLOYMENT · FASTER TO START
Hosted by us.

We handle the infrastructure. Documents are processed and discarded — no retention, no training on your data. DPDP-ready, with India residency available when your policy requires it.

VAPT
Certified
Independent vulnerability assessment & penetration testing.
CSA
Container Security Assessment
For container images hosted in-house.
0
Document retention
Nothing stored after handback.
DPDP
Act ready
India residency available when required.
∀
Audit logs
Every file, retained as you require.
CUSTOMER PROOF
A major Indian general insurer.
STATUS
In deployment
NEXT
Production · Aug 2026
DEPLOYMENT
Customer cloud
SCOPE
MACT claim files
The founders

It takes both sides of this problem.

MACTAI is led by two co-founders who bring the two halves this problem needs — decades inside India's insurance industry, and a career spent building AI and large-scale engineering. Reading a MACT petition, handwritten in mixed scripts and photocopied fourteen times, takes someone who knows what the claim means and someone who can teach a machine to read it.

Madhava Madanapalli

Madhava Madanapalli

Co-founder · Insurance

Madhava brings over 37 years of insurance operations and technology leadership to MACTAI. Starting at The New India Assurance, he managed core operations before moving to the Middle East with underwriting authority for Lloyd's Syndicates.

Transitioning to technology 27 years ago, Madhava led global strategy across Wipro Technologies — culminating as Head of the Insurance Business Vertical for India and the Middle East, delivering core platforms for two major Indian insurers. Madhava also led Global Healthcare and Insurance Solutions at IBM Daksh and serves as an independent advisor bridging domain depth with tech execution.

Rajesh Muppalla

Rajesh Muppalla

Co-founder · AI & Engineering

Rajesh is an AI/ML entrepreneur and engineering leader. He co-founded Indix, acquired by Avalara in 2019, where he led the data platform for large-scale product intelligence. Post-acquisition he served as Senior Director of Engineering at Avalara, focusing on AI-driven tax automation. Earlier he was a tech lead on GoCD at ThoughtWorks. Rajesh earned a Computer Science gold medal from Savitribai Phule Pune University.

Send us a sample. We'll return the structured output within a day.
THE PRODUCT · 2-MINUTE FILM
Watch ANVAYA read a real claim file.
Film in production — until it's ready, we demo live on your own files.
Request a pilot evaluation.
Four details — we reply within one working day.
Prefer email? contact@mactai.com
© 2026 Anvium AI Labs Pvt. Ltd. · MACTAI™ · India
Login contact@mactai.com