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Agent of Record for India benefits.

You already employ your India team, on your own subsidiary or through another arrangement. What you lack is benefits infrastructure. As your Agent of Record we run group health, life cover, ESOP administration and equipment procurement for $29 per employee per month, with no setup fee and no change to who employs anyone.

Group health, life insurance, ESOP admin and equipment for teams you already employ. $29 per employee per month, benefits-only scope, employment untouched.

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G2 4.8 / 5 on G2, from companies employing teams in India through us.

Teams building in India. First hire to full team.

Sourcing India benefits alone versus through an agent.

A five-person India team is below most insurers' group thresholds and below every broker's attention threshold. An Agent of Record pools the admin so small teams get large-team treatment.

Direct benefits sourcing

Versatile as Agent of Record

Group health cover
Insurers quote poorly below 10 lives, if they quote
Your team rides on partner group policies from head one
Life insurance
Separate broker, separate paperwork
Bundled into the same enrollment
ESOP administration
Cross-border grant paperwork lands on your ops team
Grant letters, vesting records and exercise admin handled
Equipment
Shipping laptops into India through customs yourself
Procured locally, delivered, tracked as assets
Who employs the team
You, and that does not change
Still you. Our scope is benefits only
Monthly cost
Broker retainers plus your admin hours
$29 per employee per month, no setup fee

Direct benefits sourcing
Group health cover Insurers quote poorly below 10 lives, if they quote
Life insurance Separate broker, separate paperwork
ESOP administration Cross-border grant paperwork lands on your ops team
Equipment Shipping laptops into India through customs yourself
Who employs the team You, and that does not change
Monthly cost Broker retainers plus your admin hours

Versatile as Agent of Record
Group health cover Your team rides on partner group policies from head one
Life insurance Bundled into the same enrollment
ESOP administration Grant letters, vesting records and exercise admin handled
Equipment Procured locally, delivered, tracked as assets
Who employs the team Still you. Our scope is benefits only
Monthly cost $29 per employee per month, no setup fee
Week 1
Census shared: names, ages, dependents, locations
Week 1
Group health and life enrollment submitted to partners
Week 2
Policies live, e-cards issued to every employee
Week 2
ESOP records ingested, vesting calendar built
Week 3
Equipment orders placed for any unequipped hires
Monthly
Additions, deletions and claims support as standing service

The cost of an uncovered month.

Health cover gaps are invisible until someone is hospitalised inside one. A team member who joins in April and gets enrolled in July has three months in which a single admission becomes a personal financial event, and quietly, a retention event for you.

Our standing service enrolls joiners in the same week they start. Deletions happen at exit, not at renewal, so you stop paying for people who have left.

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Illustrative out-of-pocket exposure during a cover gap One hospitalisation, no group policy in force
₹85,000 Day 2
₹1,9 lakh Day 5
₹3,4 lakh Day 10
₹4,8 lakh Day 15
Illustration of private hospital costs for one admission in a metro. Actual costs vary by city, hospital and treatment.
Where the bill lands without cover
New joiner, enrollment waiting for renewal season The employee, then your goodwill
AOR standing enrollment, live from week one The group policy responds

AOR exists for exactly one situation: employment is handled, benefits are not. If employment itself is the gap, the EOR page is the honest place to start. Unsure whether your subsidiary should keep employing at all? Run the totals through the EOR versus entity calculator and let the arithmetic argue.

Benefits-only scope, spelled out.

We touch nothing about employment. Contracts, payroll and statutory filings stay wherever they live today. The four benefit tracks below become ours.

You run

  • Employment contracts and payroll
  • Statutory filings on your entity
  • Compensation and promotion decisions

We handle

  • Group health enrollment and claims support
  • Life insurance administration
  • ESOP grant and vesting records
  • Equipment procurement and asset tracking

You run
  • Employ the team
  • Run the payroll
  • File the statutory returns
  • Own all HR decisions

We handle
  • Health cover, week one
  • Life insurance bundled
  • ESOP paperwork kept current
  • Laptops procured locally
  • Claims walked through
  • Exits removed from cover

When something happens in India, it is ours.
Insurance enrollment and deletions Versatile administers
Employment and statutory compliance Yours, unchanged
Escalated claims support Versatile walks the employee through it

A named compliance manager owns your account. Not a queue, not a chatbot, one person who already knows your headcount and your last filing.

Account managerMedian first reply 4 to 6 hours
Recruitment coordinatorBrief to shortlist 9 days
Finance associateFilings on time 8 / 8

Small teams, group rates

Partner group policies mean a three-person team gets underwriting treatment that normally starts at ten lives. That is the entire economic argument for an agent, and it is measurable in the premium quote.

The same team as our EOR

The people administering your benefits run the full employment stack for our EOR clients on Foo Falcon Technologies Pvt Ltd. Benefits admin is a subset of what they already do daily, not a side business.

ESOPs taken seriously

Cross-border option grants to Indian employees generate paperwork most benefits brokers refuse to touch. We keep grant letters, vesting schedules and exercise records current so your cap table and your India team read the same numbers.

An honest boundary

AOR is benefits only. When clients ask us to creep scope into payroll or filings on their entity, we decline and point at the proper service. Clean boundaries are why the $29 price holds.

Small teams, group rates

Partner group policies mean a three-person team gets underwriting treatment that normally starts at ten lives. That is the entire economic argument for an agent, and it is measurable in the premium quote.

Ask us for a like-for-like premium comparison.

The same team as our EOR

The people administering your benefits run the full employment stack for our EOR clients on Foo Falcon Technologies Pvt Ltd. Benefits admin is a subset of what they already do daily, not a side business.

Depth you can borrow at $29.

ESOPs taken seriously

Cross-border option grants to Indian employees generate paperwork most benefits brokers refuse to touch. We keep grant letters, vesting schedules and exercise records current so your cap table and your India team read the same numbers.

Vesting dates should never be a surprise.

Moving someone across

If you later move employment to us.

Some AOR clients eventually hand us employment too. Benefits continuity is trivial in that direction because the policies are already ours.

Benefits cover Kept
Team's working life Kept
Compliance coverage Continuous
Cover gap during the move 0 days

The reverse also works: leave with your census and policies transfer or rewrite cleanly.

Supporting evidence

Check the entity behind the policies.

Your AOR counterparty is Foo Falcon Technologies Pvt Ltd, incorporated in Bengaluru in 2022. Policy documents name the insurer and the group, and you can verify both directly.

  • Incorporation
  • GST
  • EPFO code
  • ESIC
  • Shops and Establishments
  • PAN and TAN
  • Udyam MSME
What we verify
  • Incorporation Ministry of Corporate Affairs
  • GST Goods and Services Tax
  • EPFO code Employees Provident Fund Organisation
  • ESIC Ministry of Labour and Employment
  • Shops and Establishments Government of Karnataka
  • PAN and TAN Income Tax Department
  • Udyam MSME Government of India

Every enrollment confirmation is forwarded to you as issued.

200

people whose benefits and payroll we have switched in one cycle

33

clients running India operations through our team

5 days

typical time from census to live health cover

G2 4.8 / 5 on G2, from companies employing teams in India through us.

G2 4.8 / 5 on G2, from companies employing through us.

Employers who kept employment and handed us the rest.

Founders and People leads on what a benefits-only scope actually feels like month to month.

Video
Bharath Rasoi KS Rajeshwari Founder, Bharath Rasoi
Video
Open Theatre Anand Raj Founder, Open Theatre
Abid Hassan Verified client
Sensibull
“They moved fast and took the whole compliance side off my plate. For a founder making an early India hire, that is exactly what you want.”
Abid Hassan Founder and CEO, Sensibull
Via G2
Moonshot
“Every option was either 'set up your own entity' or a platform that quotes a great price then hits you with add-ons. Versatile was the one that actually made it simple. First payroll ran on time. No scramble.”
Angad S. Co-Founder, Moonshot
Via G2
Digital Marketing Agency
“Contracts, PF, ESI, TDS and payroll all in one place. Invoicing in USD meant zero exchange rate surprises. The compliance rigour is genuinely reassuring.”
Vedant T. Founder, Digital Marketing Agency
Via G2
Design Studio
“Setting up in a new country can get messy fast, but their India EOR made onboarding feel easy. The team is responsive, clear, and great to work with.”
Setu C. Studio Owner, Design Studio
Via G2
US Startup
“We used Versatile to hire our first employee in India after months of putting it off because the compliance side seemed like a mess. They walked us through it and now we don't think about it.”
Verified US Founder First-time Founder, US Startup
Via G2
Mid-Market Tech Co.
“Versatile consistently delivered work that was both strategically sharp and execution-ready. Their turnaround times are impressive, and they think about problems the way an in-house team would.”
Shivani K. Senior Manager, Tech TA
Via G2
Growth-stage Startup
“Their team was highly responsive, professional, and easy to work with. They made a complex process feel simple.”
Mukul S. Core Team, Growth-stage Startup

Case studies.

Largest food delivery app in India, decacorn View case study The world's largest professional network, part of Microsoft View case study Legacy US software company, publishing platforms View case study

One number, benefits handled.

$29 per employee per month covers health, life, ESOP admin and equipment procurement as a standing service. Premiums and hardware pass through at cost.

Agent of Record

Teams you already employ
$29 /employee/mo

No setup fee. Insurance premiums and equipment costs pass through at actuals with documentation.

Share your census
  • Group health enrollment from head one
  • Life insurance administration
  • ESOP grant and vesting records
  • Local equipment procurement
  • Claims support for employees
  • Joiner and leaver management
  • Asset register upkeep
  • Renewal negotiation yearly
  • Group health enrollment from head one
  • Life insurance administration
  • ESOP grant and vesting records
  • Local equipment procurement
Plus four more inclusions
  • Claims support for employees
  • Joiner and leaver management
  • Asset register upkeep
  • Renewal negotiation yearly

Live cover typically within the first week after census.

Employer of Record

When employment is the gap
$149 /employee/mo

$129 past twenty heads. Full employment on our Bengaluru entity, benefits included in the stack.

Talk employment
  • Employment on Foo Falcon Technologies
  • Monthly payroll with payslips
  • PF, ESIC, PT and TDS compliance
  • Gratuity accrual from day one
  • Group health via the same partners
  • 5-day onboarding
  • Named payroll lead
  • Exit and settlement handling
  • Employment on Foo Falcon Technologies
  • Monthly payroll with payslips
  • PF, ESIC, PT and TDS compliance
  • Gratuity accrual from day one
Plus four more inclusions
  • Group health via the same partners
  • 5-day onboarding
  • Named payroll lead
  • Exit and settlement handling

Benefits from this page come standard inside the EOR fee.

Past twenty employees

$149 $129 /employee/mo

EOR pricing steps down beyond twenty heads. The AOR rate stays $29 flat regardless of team size.

Inside the AOR fee

  • Health and life enrollment
  • Claims escalation support
  • ESOP record administration
  • Equipment sourcing and delivery
  • Asset tracking
  • Joiner and leaver processing
  • Annual renewal negotiation
  • Monthly reporting

Volume pricing

$149 $129 /employee/mo

EOR falls to $129 past twenty. AOR holds at $29 at any count.

Inside the AOR fee

  • Health and life enrollment
  • Claims escalation support
  • ESOP record administration
  • Equipment sourcing and delivery
  • Asset tracking
  • Joiner and leaver processing
  • Annual renewal negotiation
  • Monthly reporting

Premiums and hardware invoice at cost with receipts attached. If employment structure is the real question behind the benefits question, the EOR versus entity calculator prices both answers.

Agent of Record, in plain terms.

What buyers ask before handing over a benefits census.

What is an Agent of Record in the India context?

A benefits administrator acting on your behalf. You remain the employer in every legal sense. We enroll your team into partner group health and life policies, administer ESOP records, procure equipment locally, and support claims, for $29 per employee per month with no setup fee.

How is AOR different from EOR?

An EOR employs your people on its entity and owns statutory compliance. An AOR touches none of that: employment, payroll and filings stay exactly where they are, and only the four benefit tracks move to us. If you do not yet employ anyone in India, EOR is the page you want.

Can a small team really get group health rates?

Yes, and that is the core value. Partner group policies let teams below typical underwriting thresholds ride on pooled arrangements. A three-person team gets enrolled on terms it could not obtain walking into an insurer alone.

What happens with ESOPs exactly?

We maintain grant letters, vesting schedules and exercise records for options granted by your parent company to Indian employees, and keep the documentation consistent on both sides of the border. Tax advice on exercise events stays with your advisors; record-keeping and process sit with us.

Do premiums pass through at cost?

Yes. Insurance premiums and equipment purchases are billed at actuals with the underlying documents attached. The $29 is our entire fee, and it pro-rates for partial months.

Is there a minimum team size or contract term?

No minimum lives and no lock-in beyond the annual insurance cycles themselves. Additions and deletions process monthly, so you pay for the people actually on the team.

We use another EOR but want your benefits. Possible?

Usually yes, if the employment arrangement permits third-party benefits administration. Share the structure on a call and we will tell you plainly whether the scope works or where it would conflict.

Longer reading: Agent of Record explained in depth · Contractor of Record for India · EOR India 2026 playbook · India payroll glossary · Related tool: misclassification risk quiz · Related tool: contractor conversion planner

Tell us where you are on the decision.

A role you want to hire, a team you want moved, or just the two routes to compare. A named person replies in 4 to 6 hours.

A named person replies in 4 to 6 hours, not an autoresponder.

We use these details to respond to your enquiry.

A named person replies in 4 to 6 hours, not an autoresponder. We use these details to respond to your enquiry.

What the first call covers

30 minutes

A cost comparison for your headcount, on your numbers, both routes.

  • A written cost breakdown
  • Entity documents before the call
  • PF, ESI, TDS, termination law
  • No follow-up sequence
Book a call →

You pick the time, we send a Meet link. Any timezone.

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