Question 1

Can EV subsidy and FAME-II linked workflows be incorporated?

Accepted Answer

Yes. Subsidy eligibility, OEM/dealer subsidy pass-through, and net-on-road financing amounts can be captured at origination. Disbursement can be contingent on subsidy confirmation where your policy requires it — with audit logs for ex-post subsidy reconciliation with manufacturers or government portals.

Question 2

Does this support two-wheeler, passenger, and commercial EV segments?

Accepted Answer

Segment-specific products cover e-2W, e-3W, e-4W, and commercial fleet vehicles with different LTV, tenure, and battery-warranty-linked collateral rules. Dealer networks for each segment can be onboarded with separate scheme masters and performance scorecards.

Question 3

How is battery health and vehicle telematics used in underwriting or collection?

Accepted Answer

Telematics/OEM API integrations (where available) can feed battery SOH, usage patterns, and geo-location into risk scoring or early-warning rules. For collection, immobilization workflows (where legally permitted and contractually agreed) can be documented in the loan file with strict maker-checker.

Question 4

Can dealer and OEM partner programs run with different rate cards?

Accepted Answer

Yes. OEM subvention, dealer cashback, and promotional rate cards are effective-dated by model and region. Settlement reports show gross finance vs net subsidy receivable — so finance teams reconcile OEM claims monthly without manual dealer-wise spreadsheets.

Question 5

Does origination integrate RC, insurance, and hypothecation for EV registration?

Accepted Answer

Post-disbursement task lists track insurance policy upload, hypothecation endorsement on RC/VAHAN (where integrated), and delivery proof. Pending registration reports reduce unsecured exposure on disbursed-but-unregistered units — a common EV portfolio risk.

Question 6

How is residual value and lease-like structuring handled for fleet EVs?

Accepted Answer

Balloon/residual components, mileage caps, and fleet lease schedules can be modeled for commercial EV operators. Return and remarketing workflows document end-of-term asset disposition — important when battery degradation affects secondary market value.

Question 7

Is instant decisioning available for dealer counter sales?

Accepted Answer

Rule engine + bureau integration supports straight-through approval for pre-scored segments at POS. Exceptions route to credit desk with full application context — enabling showroom flows where customers expect finance approval before leaving the dealership.

Question 8

What ESG or green-portfolio reporting is available?

Accepted Answer

Loan-level tags (vehicle type, OEM, CO₂ class where captured) roll up to green-AUM reports for board and investor disclosures. As EV lending grows, treasury and ESG teams get portfolio composition without re-tagging loans in Excel.

EV Loan Software

overview - EV Loan Software

Streamline loans with our software solutions

Key Features

Purpose-Built for EV Loan Software Lenders

Companies like "Au Financiers" grew to a size of 3500 crore on our software

Managed Loan Count

Managed Loans Worth

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Frequently Asked Questions