A technology-driven distribution platform bringing formal, fair-priced used commercial vehicle finance to small transport operators across India's Tier 2, 3 and 4 markets.
⚠ Hero copy is placeholder — final text to be provided by Tarun ji.We specialise in serving the customers that formal finance often overlooks — across India's Tier 2, 3 and 4 markets.
New entrants buying their first commercial vehicle to start their transport journey.
Small road transport operators (SRTOs) running one to a few vehicles on regular routes.
Rural entrepreneurs using vehicles for agricultural and goods transport.
Growing businesses expanding their fleet of commercial vehicles.
From first vehicle to full fleet — explore our complete range of commercial vehicle loan products.
Move the sliders to see an indicative EMI for your commercial vehicle loan.
Indicative calculator for illustration only. Actual rate of interest and loan approval are subject to credit profile and are at the sole discretion of the lending partner.
Every step runs on technology — from how we find customers to how we assess, disburse and collect. This is what lets us serve markets others find unviable.
Field agents onboard customers on a mobile-first app — capturing KYC, vehicle and document data digitally, even in low-connectivity areas.
We combine bureau data with alternate signals — FASTag movement, GST filings, route freight patterns and asset valuation — for customers with thin credit history.
Dashboards give leadership and lending partners live visibility into disbursements, collections, delinquency and portfolio health.
Navridhi works with NBFCs, banks and a network of dealers and sourcing partners to bring the right financing to every customer.
Whether you are a used CV dealer, DSA, sourcing partner or an NBFC looking to deploy capital — there is a place for you in the Navridhi network.
Become a Partner →Our founding team has built, scaled and managed some of India's most respected inclusive finance organisations. Tap a profile to read more.
⚠ Placeholder bio — revised content to be shared by Rakesh ji.
A founding-team veteran of India's inclusive finance movement. Built and led operations at pioneering NBFC-MFI organisations and founded Subhlakshmi Finance, with deep expertise in secured asset lending, operational scalability and regulatory navigation.
⚠ Placeholder bio — revised content to be shared by Rakesh ji.
A rare operator who led CV and CE lending at GE Capital and Citicorp, scaled SBI Cards as EVP, and served as COO of Fusion Finance. 33 years of hands-on experience building customer-centric, digitally-enabled lending franchises across India.
Two seasoned operators building the technology rails that bring formal credit to India's last mile of transport entrepreneurs.
⚠ About copy is placeholder — final text to be provided by Tarun ji after discussion with Rakesh ji.To become India's most trusted technology-driven platform for last-mile commercial vehicle finance — making formal, fair credit accessible to every transport entrepreneur, however remote.
To combine deep ground presence with technology — digital origination, data-led credit and a hybrid distribution network — to deliver finance where formal lenders have never reached.
We are building a hybrid Hub & Spoke distribution model — our own field staff anchored in district hubs, radiating into surrounding Tier 3 and 4 markets through a network of dealers, DSAs and sourcing partners. Technology ties it together with consistent standards, speed and transparency.
Beyond finance, we are building a community of transport entrepreneurs, dealers and partners who grow together. Through fair terms, financial literacy and long-term relationships, we help our customers move from their first vehicle to a thriving transport business.
We are building a team that combines financial discipline with ground-level empathy and a love for technology. Share your details and we'll reach out.
Every loan we disburse puts a vehicle on the road and a livelihood in motion.
Work directly with founders who have led operations at GE Capital, SBI Cards and Fusion Finance.
Join early and shape how Navridhi grows. Your decisions will matter here.
Tell us a bit about yourself and our team will get in touch.
We are currently raising our seed round. If you would like the investor deck and a conversation with the founders, please reach out directly.
Whether you are a transport entrepreneur, dealer, lending partner or want to join our team — we would love to hear from you.
headoffice@navridhi.co.in
0124-4016150
Unit No. 124, First Floor, Spaze Palazo, Sector 69, Badshahpur, Gurugram – 122101, Haryana
Unit 616, The Arcadia, Block A, South City 2, Sector 50, Gurugram – 122018, Haryana
GSTIN: 06AALCN0367M1Z3
PAN: AALCN0367M
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