Saksham Sharma founded Ishqkala around a pattern that shows up at regional carriers again and again: the subrogation unit is skilled, but it only sees the files adjusters refer. Adjusters carrying 100 to 150 claims refer the obvious rear-ends and miss the plumber in the diary note, the dryer in the fire report and the indemnity clause in the lease.
Kavya Narayanan saw the other side as a subrogation trial attorney in Chicago: strong recoveries arriving on her desk weeks before the limitation period ran, or after it had. Siddharth Menon had built document-understanding systems for insurers and banks and knew the reading itself was now solvable, provided every answer could be traced to its source and checked against the law.
Ishqkala is the result: software that reads every open and closed claim file, reasons over the loss state's fault rules and deadlines, and hands subrogation professionals a short, scored, documented list. Industry studies put missed subrogation at 15% to 30% of viable opportunities. Our job is to make that number visible, and then smaller.