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Companies›Karizma Bime

Karizma Bime

FintechinsurtechKarizma Financial Group ›In the registry
Entity IDIR-CO-2337
SectorFintech
Founded2022
HQTehran
VerificationReported
Last reviewed2026-09-24

Karizma Bime is the online insurance marketplace of the Karizma Financial Group. It enables users to compare, price, and purchase insurance policies, including life, supplementary health, and other lines, entirely online. The platform aggregates offerings from multiple Iranian insurance companies and provides 24/7 support.

Doing business with Karizma Bime? Check who legally owns and runs it: registry identity, capital and current board from the Official Gazette, in English with the Persian source, in three working days for USD 750. Full dossier with audited figures and competitors, USD 3,000. Order a Karizma Bime registry check · see a free sample

SnapshotMetricsBusinessGroupSources
Decision snapshot
Legal entity behind the brand not established
This profile carries the legal name پشتوانه زندگی کاریز. The group's own licences page names a different and specific legal person in the insurance business: Karizma Life Insurance, a public joint stock company founded in the year to 20 March 2022, admitted to the Tehran Stock Exchange under the symbol Kariz, licensed by the Central Insurance of the Islamic Republic of Iran and filing publicly on Codal. The consumer brand Karizma Bime is presented on the same group site as an insurance brokerage, which is a separate licence class and cannot be the same legal person as the insurer. No legal entity is therefore asserted for this brand, and the insurer's identity is not used as this profile's identity.
Licences page read 24 September 2026Conflicting evidence
Karizma Financial Group company website, licences page ↗ · retrieved 2026-09-24

Every field carries an explicit evidence state and its source. Self-reported figures are labelled as such; nothing is presented with more certainty than its source supports.

Operating metrics, period-stamped
Distribution scale, self-reported countersUndated page counters, read 24 September 2026Company disclosed
The insurance page states more than 34 partner insurance companies, more than 50 distinct insurance services and more than 1,000 corporate customers.
Karizma Financial Group company website, insurance page counters ↗ · retrieved 2026-09-24The counters are undated, so the retrieval date is given as the period. Iran has fewer than 34 licensed general insurers on most counts, so the partner figure probably counts companies and branches or product providers rather than distinct licensed carriers; the site does not define it and it is not restated here as a carrier count.
Business model & group
What Karizma Bime is, in the group's own wordsSite read 24 September 2026Company disclosed
The group's insurance page presents Karizma Bime as an online insurance purchase, quotation and comparison service, and describes it as an ecosystem for selling and servicing policies. It trades as Karizma insurance brokerage. The lines offered are life, supplementary health individual, group and family, third party motor, motor own damage, motorcycle, fire including earthquake, flood and theft, domestic and foreign travel, and liability including medical and construction. Claims can be filed online, with an assessor step before payment.
Karizma Financial Group company website, insurance page ↗ · retrieved 2026-09-24An aggregator description called it a marketplace. The site's own words are کارگزاری بیمه, an insurance brokerage, which is a licensed intermediary category under the Central Insurance regulator rather than an unregulated comparison site. The distinction matters to anyone assessing who carries the risk and who holds the licence.
Distribution through a commission agent networkSite read 24 September 2026Company disclosed
The brokerage recruits remote commission sellers it calls Karizman, who register through the group site, sign an electronic insurance marketing contract and sell across all lines and all partner insurers from a personal panel. The site describes two tiers, an entry tier for people with no insurance or financial market background and a Karizman tier requiring some knowledge of insurance and financial markets, completion of the Karizma Team training courses and at least 10 policies. Four premium payment routes are described, including the agent funding the premium from their own wallet and the agent drawing credit from the brokerage.
Karizma Financial Group company website, insurance page, Karizman section ↗ · retrieved 2026-09-24Carried because it is the actual distribution model and it is not a digital-first one: the growth channel is a trained human commission network with brokerage-funded credit, which is a different cost structure and a different regulatory surface from a self-serve comparison app. The agent-credit route in particular means the brokerage takes counterparty exposure to its own sales network.
Corporate family
Karizma Financial Group
Karizma CrowdFintech

Tracked entities in the same corporate family. Ownership percentages appear in Ownership & capital only when disclosed.

Source ledger, every field, its evidence
What Karizma Bime is, in the group's own wordsCompany disclosedSite read 24 September 2026
The group's insurance page presents Karizma Bime as an online insurance purchase, quotation and comparison service, and describes it as an ecosystem for selling and servicing policies. It trades as Karizma insurance brokerage. The lines offered are life, supplementary health individual, group and family, third party motor, motor own damage, motorcycle, fire including earthquake, flood and theft, domestic and foreign travel, and liability including medical and construction. Claims can be filed online, with an assessor step before payment.
Karizma Financial Group company website, insurance page ↗ · retrieved 2026-09-24retrieved 2026-09-24
Distribution scale, self-reported countersCompany disclosedUndated page counters, read 24 September 2026
The insurance page states more than 34 partner insurance companies, more than 50 distinct insurance services and more than 1,000 corporate customers.
Karizma Financial Group company website, insurance page counters ↗ · retrieved 2026-09-24retrieved 2026-09-24
Distribution through a commission agent networkCompany disclosedSite read 24 September 2026
The brokerage recruits remote commission sellers it calls Karizman, who register through the group site, sign an electronic insurance marketing contract and sell across all lines and all partner insurers from a personal panel. The site describes two tiers, an entry tier for people with no insurance or financial market background and a Karizman tier requiring some knowledge of insurance and financial markets, completion of the Karizma Team training courses and at least 10 policies. Four premium payment routes are described, including the agent funding the premium from their own wallet and the agent drawing credit from the brokerage.
Karizma Financial Group company website, insurance page, Karizman section ↗ · retrieved 2026-09-24retrieved 2026-09-24
Legal entity behind the brand not establishedConflicting evidenceLicences page read 24 September 2026
This profile carries the legal name پشتوانه زندگی کاریز. The group's own licences page names a different and specific legal person in the insurance business: Karizma Life Insurance, a public joint stock company founded in the year to 20 March 2022, admitted to the Tehran Stock Exchange under the symbol Kariz, licensed by the Central Insurance of the Islamic Republic of Iran and filing publicly on Codal. The consumer brand Karizma Bime is presented on the same group site as an insurance brokerage, which is a separate licence class and cannot be the same legal person as the insurer. No legal entity is therefore asserted for this brand, and the insurer's identity is not used as this profile's identity.
Karizma Financial Group company website, licences page ↗ · retrieved 2026-09-24retrieved 2026-09-24

Last full review: 2026-09-24 · Tehran Index research desk · corrections: desk@tehranindex.com

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Registered entity
Registered2024-07-07
Entity notesDiscovered via TechRasa Insight Iran FinTech 2025 (FY2024-25). Pending TI entity verification: operating entity, national ID, active status.
Evidence & verification
Verification tierReported, single public source
Primary evidencetechrasainsight.com
Registry identifiersWithheld for compliance

Fields on this profile derive from linked public sources or the official company registry; unknown values stay blank rather than guessed, and estimates are always labelled. How we verify →

Quick facts
Tehran, Iran
Founded 2022
charisma.ir/insurance
Company dossier

Registry check on Karizma Bime: legal entity, capital, board and managing director from the Official Gazette. USD 750, three working days. Full dossier with audited figures, competitors and risks: USD 3,000, five working days.

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