Limo EV Finance · Instant Digital Microloans
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.
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
₹247Cr
Active Book
98.7%
Repayment
2.1%
PAR Rate
200/day
Approvals
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.
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.
Battery ConditionAlways New
Station Access2,000+ Stations
InsuranceIncluded
PrepaymentNo fee
Emergency Loan
₹10K – ₹25K
Instant cash for vehicle repairs, medical bills, or family emergencies. No collateral required.
Interest Rate24% p.a.
Tenure4 months
Approval Rate92%
CollateralNone
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
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
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)
94%
Auto-debit collection success
2.1×
Faster repayment: EV vs petrol
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
Addressable Delivery Riders2.5 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.