gantt
title Aarokya Pilot — South Bengaluru
dateFormat YYYY-MM
axisFormat %b %Y
section Namma Yatri Pilot
Design + Development :p0a, 2026-03, 2M
Demo + Testing :p0b, 2026-05, 3w
100-Driver Closed Beta :p0c, 2026-05, 4w
5,000 Drivers Live :milestone, 2026-06, 0d
Pilot Operations + Learning :p0d, 2026-06, 4M
14 Roadmap and Rollout
14.1 The First 5,000: Aarokya x Namma Yatri
Aarokya does not begin with a whitepaper. It begins with 5,000 auto-rickshaw drivers in South Bengaluru, beginning with a 100-driver beta in May 2026 and scaling to 5,000 drivers by June.
This is the founding pilot — a partnership between Narayana Health, Namma Yatri, and the Tata Trust, born from Dr. Devi Shetty’s vision. Five thousand curated Namma Yatri drivers, each opening a Health Savings Account, each on a path to comprehensive health insurance within months. Co-announced with Dr. Shetty on International Labour Day — because the people who move a city deserve the dignity of health security.
How the HSA Gets Funded
The pilot proves that health savings do not require large incomes. They require small, consistent flows from multiple sources:
- Driver contribution — ₹5 per day, deducted automatically through the Namma Yatri app. Less than the cost of a cup of tea. Over a year: ₹1,825.
- Passenger tips — every auto carries an HSA QR code. Passengers scan to contribute ₹5–10 to their driver’s health account. A 30-second act of solidarity.
- Platform nudge — at the end of each trip, the Namma Yatri app prompts passengers: “Your driver has no health insurance. Contribute ₹5 to their Health Savings Account?” Frictionless. Voluntary. Powerful at scale.
- Tata Trust seed funding — ₹2,000 per driver for the first 5,000-driver cohort. The catalytic capital that closes the gap between what drivers save and what insurance costs.
Combined, these flows reach the ₹3,600 annual threshold for Narayana Health’s insurance product — transforming a driver with zero coverage into a driver with comprehensive family health protection.
Partners and Roles
Each partner brings something irreplaceable:
| Partner | Role |
|---|---|
| Narayana Health | Insurance product (₹3,600/year family cover — pilot pricing; standard plans from ₹3,999/year), care delivery, hospital network, claims processing |
| Namma Yatri | Driver enrollment, in-app promotion, field operations, driver community trust |
| Namma Yatri Engineering | Full technology platform — HSA backend, AI health assistant, QR payment rails, app integration |
| Tata Trust | Seed funding for the first 5,000-driver cohort |
Pilot Timeline
The sequence is deliberate: build, test with a small cohort, learn, then open the gates. The 100-driver closed beta validates every flow — enrollment, daily savings, QR contributions, insurance activation, first claims — before 5,000 drivers depend on it.
Pilot Goals
This is not a proof of concept. It is a proof of commitment. The goals are concrete:
- 70%+ insurance activation — seven out of ten enrolled drivers reaching ₹3,600 and activating Narayana Health coverage within the pilot period
- 1–2 passenger HSA contributions per driver per day — demonstrating that the QR code and app nudge create a sustainable funding stream
- One iconic public story — a driver whose family receives care through Aarokya, covered by insurance they built ₹5 at a time. The story that proves collective health dignity is not a slogan but a lived reality for gig workers.
How to Participate
The pilot is funded, built, and launching — but it grows faster with more hands.
- Fund a driver’s HSA for a year: ₹3,600 gives one driver’s family comprehensive health coverage
- Sponsor a district: bring Aarokya to every Namma Yatri driver in a Bengaluru zone
- Contribute to the codebase: Aarokya is open source — github.com/juspay/aarokya
- Partner as an employer or platform: integrate HSA contributions into your payment flows
Contact: aarokya@juspay.in
Beyond the Pilot
The 5,000-driver cohort is the seed. What grows from it:
- Phase 2 — 100K drivers across Namma Yatri and Bharat Taxi, expanding to Pune, Jaipur, and Mumbai
- Phase 3 — AI-powered preventive healthcare layered onto every HSA — screenings, risk detection, multilingual health guidance
- Phase 4 — Hyperlocal care network — pharmacies, labs, and teleconsultation nodes within walking distance of every driver’s home
Each phase earns the next through demonstrated impact. No roadmap slide. Proof.
14.2 Open Source: Healthcare Infrastructure as a Public Good
Aarokya is open source from day one.
This is a philosophical decision. Healthcare infrastructure — the rails on which hundreds of millions of people’s health security will depend — should not be a black box. It should be transparent, auditable, improvable by anyone, and adaptable for any community or country that needs it.
Open source means:
- Transparency — every line of code is visible. Regulators, healthcare experts, security researchers, and citizens can inspect how the system works. Trust is not asked for; it is verifiable.
- Community ownership — Aarokya belongs to the ecosystem, not to a single entity. Contributors from across India and the world can improve it, extend it, and adapt it.
- Adaptability — the model that works for gig workers in Bengaluru can be forked and adapted for informal workers in Nairobi, domestic workers in Jakarta, or street vendors in Sao Paulo. Open source makes Aarokya a gift to the world, not just a product for India.
- Speed through collaboration — the best open source projects move fast because they harness the intelligence of thousands of contributors. Aarokya invites that energy.
This is not without precedent. Two of India’s most ambitious open source projects have already proven that critical infrastructure can be built this way — and both are part of Aarokya’s lineage.
Namma Yatri — an open source ride-hailing platform, built in Bengaluru, serving millions of auto and cab rides. It proved that consumer-facing apps with beautiful UI/UX and massive daily transaction volumes can be built and operated as open source. Now it is the launchpad for Aarokya’s first pilot.
HyperSwitch — an open source payments orchestration system, processing transactions at scale across multiple payment gateways and geographies. It proved that financial infrastructure demanding the highest standards of reliability, security, and compliance can be built in the open.
Aarokya inherits the DNA of both. The backend robustness of HyperSwitch. The consumer-grade experience of Namma Yatri. The open source ethos of both.
14.3 The Builder Community
Aarokya is being built by the same engineering teams that created Namma Yatri and HyperSwitch — teams with deep expertise in payments infrastructure, platform architecture, open source engineering, and building systems that work at population scale with zero tolerance for failure.
The build includes a dedicated Aarokya team of engineers, designers, product managers, and healthcare domain experts — alongside the backend engineers who built India’s open source payments switch (now building Aarokya’s financial backbone) and the frontend team that shipped a consumer app used by millions of drivers daily (now crafting Aarokya’s multilingual, low-bandwidth-friendly experience).
Company-wide hackathons are opening Aarokya to the broader engineering community — teams across payments, risk, AI, infrastructure, and design contributing features and bringing their expertise to the mission.
This is a mission-driven build. The people writing the code have already shipped open source products used by millions. They understand what it takes to build infrastructure that cannot fail — because in payments, as in healthcare, failure has real consequences for real people.
14.4 AI-Powered Development
Aarokya is being built with modern AI-driven development practices — and this matters not just for speed, but for what it represents.
AI pair programming, code generation, rapid prototyping, automated testing, and intelligent code review are accelerating every phase of development. Tasks that would have taken weeks take days. Explorations that would have required large teams can be done by small, focused groups augmented by AI.
This is itself a demonstration of the core thesis. Aarokya is a system built on the conviction that AI amplifies human capability. The development process proves it: a team of talented engineers, amplified by AI tools, building in weeks what would traditionally take months.
If AI can accelerate the building of healthcare infrastructure, imagine what it can do when that infrastructure is deployed — amplifying nurses, doctors, and community health workers at the point of care.
The tool and the mission are aligned. AI builds Aarokya. Aarokya delivers AI-powered healthcare. The future is not AI alone. It is AI + Empathy — all the way down.
14.5 Scaling Beyond the Pilot — Compressed, Urgent, Real
The pilot proves the model. The phases that follow scale it — fast. These are not the slow, sequential phases of a traditional enterprise roadmap. They overlap aggressively. Phase 3 development starts while Phase 2 is still maturing.
When the need is this urgent and the team is this capable, you build in parallel.
gantt
title Aarokya Rollout
dateFormat YYYY-MM
axisFormat %b %Y
section Pilot — Namma Yatri
Design + Build :p0a, 2026-03, 2M
5,000-Driver Pilot Live :p0b, 2026-06, 4M
Pilot Maturity :milestone, 2026-10, 0d
section Phase 2 — Scale + Prevention
100K Driver Expansion :p1a, 2026-08, 4M
AI Chat & Voice Interface :p2a, 2026-08, 3M
Nurse & Doctor Network :p2b, 2026-10, 3M
Screening & Risk Detection :p2c, 2026-11, 4M
Phase 2 Maturity :milestone, 2027-03, 0d
section Phase 3 — Hyperlocal Care
Pharmacy Network Onboarding :p3a, 2027-01, 4M
Local Lab Integration :p3b, 2027-03, 4M
Teleconsultation Nodes :p3c, 2027-04, 3M
Hyperlocal Network Live :milestone, 2027-07, 0d
Phase 2 — Scale + Preventive Intelligence (Months 5–12)
Once the Namma Yatri pilot validates the model, two things happen simultaneously: the HSA scales to 100,000 drivers across platforms, and the AI prevention layer goes live.
Scaling the HSA:
- Expansion to 100K drivers across Namma Yatri and Bharat Taxi
- New cities: Pune, Jaipur, targeted communities in Mumbai
- Platform SDK so any gig platform can embed HSA contributions into their payment flows
- Employer and CSR contribution management at scale
Preventive Intelligence:
- AI health assistant — conversational, multilingual, voice-enabled. Collects symptoms, screens for risks, provides guidance, escalates to professionals.
- Nurse and doctor network — trained professionals connected through the platform, available for teleconsultation when AI triage indicates the need.
- Health profiles — every user builds a living health record through interactions, screenings, and shared data.
- Nudges and reminders — medication reminders, checkup schedules, vaccination tracking, risk-based alerts.
The goal: catch health problems before they become catastrophes. Reduce the ₹5,00,000 emergency surgery to a ₹500 early screening.
| Dimension | Details |
|---|---|
| Timeline | Begins Month 5; mature by Month 12 |
| Key Activities | 100K driver expansion; AI chat and voice; nurse/doctor network; screening; health profiles |
| Target Users | All HSA holders; high-risk populations; families; elderly users |
| Success Metrics | 100K+ active HSAs; 500K+ AI health conversations/month; 50K+ screenings; 30%+ reduction in late-stage presentations |
Phase 3 — Hyperlocal Care Network (Months 10–18)
The digital platform connects to the physical world. Local pharmacies, labs, testing centers, and clinics become nodes in the Aarokya network.
- Pharmacy nodes — equipped with basic diagnostic devices, connected to the platform, offering testing, sample collection, and teleconsultation-assisted care.
- Lab integration — seamless test ordering, sample tracking, and result delivery into the patient’s health profile.
- Teleconsultation spaces — private areas in pharmacies or community centers for video consultations with doctors.
- Sample collection networks — trained workers visiting homes for collection and delivery to partner labs.
Healthcare within walking distance. Not a bus ride to a district hospital.
| Dimension | Details |
|---|---|
| Timeline | Begins Month 10; network live by Month 18 |
| Key Activities | Pharmacy onboarding; diagnostic devices; lab integration; sample collection; teleconsultation infrastructure |
| Target Users | All Aarokya users needing physical care; elderly; chronic disease patients; urban and peri-urban populations |
| Success Metrics | 5,000+ pharmacy nodes; 200+ lab partners; average distance to care under 2km for active users |
14.6 Scaling Sequence: Each Stage Earns the Next
flowchart LR
A["Namma Yatri<br/>Pilot<br/><i>5,000 drivers</i>"] --> B["Multi-City<br/>Expansion<br/><i>100K drivers</i>"]
B --> C["Regional<br/>Scale<br/><i>1M users</i>"]
C --> D["National<br/>Network<br/><i>10M+ users</i>"]
Each stage has clear graduation criteria:
- Pilot to Multi-City: 70%+ insurance activation, contribution flows working across all sources, unit economics validated, positive driver feedback
- Multi-City to Regional: Platform integrations scalable, insurance pathways proven across multiple products, self-sustaining growth in at least two cities
- Regional to National: Repeatable playbook, regulatory clarity, hyperlocal care network operational, demonstrable health outcomes improvement
No stage waits longer than it needs to. Every stage earns the right to the next through demonstrated impact.
14.7 Building in Public
Aarokya is not just being built fast. It is being built in public.
The code is open. The progress is visible. The roadmap is shared. The problems encountered and solutions found are documented for the world to see.
This is deliberate. When you are building healthcare infrastructure that will affect hundreds of millions of lives, you want the brightest minds looking at your code. You want security researchers auditing your systems. You want healthcare experts reviewing your care pathways. You want regulators able to inspect the machinery. You want other countries able to study, adapt, and improve upon what you have built.
Open source is not just a development model. It is a trust model. In a domain where trust is everything — where people are entrusting you with their health data, their savings, their family’s wellbeing — radical transparency is not a nice-to-have. It is a requirement.
The invitation is open:
- Engineers — contribute code, review pull requests, build integrations
- Healthcare professionals — review care pathways, improve screening protocols, validate AI models
- Designers — improve accessibility, create better experiences for underserved users
- Security researchers — audit the platform, find vulnerabilities, make the system stronger
- Policy experts — help shape the regulatory framework, inform compliance
- Anyone who cares — file issues, suggest improvements, spread the word
Aarokya is being built in the open. It belongs to everyone who needs it.
Healthcare infrastructure should be a public good. Open source makes that real — not as an aspiration, but as an architecture.
The speed is real. The urgency is real. The partners are committed. The first 5,000 drivers are waiting.
Beginning May 2026, a driver in South Bengaluru will save ₹5 from a morning’s earnings. A passenger will scan a QR code and add ₹10 more. By the end of the month, that driver’s Health Savings Account will hold more dedicated health funding than most informal workers accumulate in a year. By the end of the quarter, that driver will have insurance — real, comprehensive, family coverage — built not from a government scheme or a corporate benefit, but from the collective solidarity of a city that decided its drivers deserve health dignity.
That is the pilot. What comes after — 100,000 drivers, AI-powered prevention, pharmacies as care nodes, a healthcare system rebuilt from the ground up — all of it depends on these first 5,000 getting it right.
We are building it now.