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Limo EV Finance

Limo EV Finance

Instant Capital for India's EV Economy Workforce

A digital lending platform delivering ₹10,000 to ₹3 lakh in 5 minutes to gig workers financing EVs, emergencies, and growth — powered by earnings data, not credit bureau scores alone.

Loan Products Risk Engine
Limo EV Finance
Instant Digital Microloans · UPI Payout
✅
₹55,555
EV Bike Loan — Approved
⚡ Disbursed in 4 min 38 sec
₹247Cr
Active Book
98.7%
Repayment
2.1%
PAR Rate
200/day
Approvals
Risk Score — Suresh Kumar 87/100
90d earnings ✓ · Safety 94 ✓ · Active 180 days ✓
₹3.5L Cr
India Microfinance AUM
5 min
Loan Disbursal Time
100K
Target Loans Year 1
₹250Cr
Loan Book Year 1 Target
Loan Products

Finance Built Around the Rider

Three purpose-designed loan products address the full financial lifecycle of India's EV gig worker — from vehicle acquisition to emergency support to ongoing battery access.

🛵

EV Bike Loan

₹45K – ₹75K

Full financing for Yulu Wynn and comparable EV scooters. Auto-EMI deducted from daily earnings — riders never miss a payment because the loan repays itself.

Interest Rate21% flat
Tenure24 months
Monthly EMI₹2,950
KYC100% Digital
🔋

Battery Subscription

₹1,500 / mo

Always-new Yuma batteries — no replacement cost ever. Bundled station access and vehicle insurance. Flexible tenure with penalty-free prepayment.

Battery ConditionAlways New
Station Access2,000+ Stations
InsuranceIncluded
PrepaymentAllowed, no fee
⚡

Emergency Loan

₹10K – ₹25K

Instant cash for vehicle repairs, medical bills, or family emergencies. 92% approval rate for riders with 30+ days on the platform. No collateral required.

Interest Rate24% p.a.
Tenure4 months
Approval Rate92%
CollateralNone required
Credit Risk Engine

Underwriting Built for the Gig Economy

Traditional credit scoring fails gig workers. Limo EV Finance inverts the model — 90% of credit weight comes from real-time earnings data, not historical CIBIL scores.

📊 Risk Assessment Weightings
Gig Earnings History (90 days)90%
Safety Score (>80 required)5%
Group Recommendation (3+ riders)3%
CIBIL Score (>650 preferred)2%
Target PAR: <2% — industry benchmark. EV loans demonstrate 2.1× faster repayment vs petrol bike loans historically.
Why This Model
Outperforms Traditional Lending
  • Earnings data is real-time and verifiable — no document fraud possible
  • Auto-debit from daily earnings achieves 94% collection success rate
  • Safety score correlation predicts responsible financial behaviour
  • Group lending social guarantee reduces default risk below <2% PAR
  • EV borrowers save ₹4,200/month vs petrol — improving repayment capacity
  • 5-minute disbursal via Airtel UPI eliminates cash handling and delay costs
  • 98% automation through digital KYC removes manual credit officer overhead
Portfolio Performance

A Loan Book Built to Compound

Limo EV Finance targets India's underserved gig economy — a segment with consistent, verifiable income and strong repayment motivation. The numbers prove the model works.

₹247Cr
Active loan book deployed
98.7%
Repayment rate on active loans
2.1%
Portfolio at risk (PAR) — below target
94%
Auto-debit collection success
2.1×
Faster repayment: EV vs petrol loans
100K
Loans targeted in Year 1
Market & Roadmap

A ₹3.5 Lakh Crore Market, Underserved

India's microfinance sector is proven and scalable. Limo EV Finance captures an untouched niche: tech-enabled gig worker lending with real-time earnings underwriting.

India Microfinance AUM₹3.5L Cr
Top 10 NBFC Market₹1.8L Cr
India Gig Workers15 Million
Delivery Riders (addressable)2.5 Million
Digital KYC Loan Speed7 days → 5 min
Target Book — Year 1₹250 Crore
📈 Growth Roadmap
01
Year 1: Foundation
100,000 loans, ₹250Cr book, 98% automation, <2% PAR. Equitas + CreditAccess model deployment.
02
Year 2: Scale
Expand to 15 cities, 5M MAU integration with Limo EV Consumer and Rider apps, RBI NBFC license.
03
Year 3: Platform
₹1,000Cr+ AUM, carbon credit bundled loan products, B2B fleet financing for enterprise clients.
Financial Inclusion Investment

Lending That Powers Green Mobility

Limo EV Finance is where fintech meets the EV revolution. Capital deployed here doesn't just earn returns — it puts India's gig workers on electric vehicles, reducing emissions at national scale.

Investor Inquiries NBFC Partnership