Navridhi is 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 — powered by digital origination, data-led credit assessment and a hybrid network of our own staff and sourcing partners.
Across India's Tier 2, 3 and 4 markets, millions of small transport operators keep the economy moving — yet most remain locked out of formal, fairly-priced finance. When their vehicle ages or their first loan ends, formal lenders step back. The gap is filled by informal money lenders charging 26–36% interest.
We have spent a combined 61 years building and running lending businesses — across NBFC-MFI, vehicle finance, credit cards and retail assets. We have seen this gap up close, and we knew it could be solved with the right mix of ground presence and technology.
Navridhi is that solution — a technology-driven platform that combines digital origination, data-led credit assessment and a hybrid distribution network to deliver finance where it is needed most.
“We are not building one more lender. We are building the technology rails that bring formal credit to India's last mile of transport entrepreneurs.”
Every step of the Navridhi journey 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. No paperwork bottlenecks, no delays.
We combine bureau data with alternate signals — FASTag movement, GST filings, route freight patterns and asset valuation — to build credit scores for customers with thin or no formal credit history.
Our dashboards give leadership and lending partners live visibility into disbursements, collections, delinquency and portfolio health — enabling early action and full transparency.
Four distinct groups. One technology platform connecting transport entrepreneurs, dealers, lending partners and investors.
First-time buyers, small road transport operators, farmer-transporters and fleet owners who need fair, formal financing for used commercial vehicles — at their doorstep.
Apply for Finance →Used CV dealers, DSAs and local sourcing partners who originate loans through Navridhi's digital network. We provide training, tech tools and competitive referral economics.
Become a Partner →Institutional co-lending and funding partners seeking deep Tier 2/3/4 origination with data-led credit assessment, real-time portfolio visibility and a fully compliant framework.
Explore Partnership →Seed and growth investors backing a tech-led platform built by a team with operating experience across NBFC-MFI, SBI Cards, GE Capital, Citicorp and Fusion Finance.
Investment Case →Navridhi's digital platform and a networked sourcing partner ecosystem work together — reaching customers where formal finance has never reached before.
Field staff and sourcing partners identify transport entrepreneurs within targeted freight corridors and dealer clusters across Tier 2, 3 and 4 markets.
Our platform combines bureau and alternate data — FASTag, GST, route freight and asset valuation — to assess creditworthiness in real time, right where the customer operates.
Digital documentation, fast processing and direct disbursement to the customer. Technology ensures speed without compromising compliance.
Technology-enabled engagement through our partner network ensures healthy repayment, early delinquency detection and long-term customer loyalty.
Our founders have built, scaled and managed some of India's most respected inclusive finance organisations — from the ground up.
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.
View LinkedIn ProfileA 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.
View LinkedIn ProfileWhat our customers, partners and team say about working with Navridhi.
No bank would finance my second truck. Navridhi's team came to my village, understood my routes, and approved my loan in days. Today I run two vehicles.
The process was simple and respectful. They explained every term in my language and there were no hidden charges. I finally felt like a valued customer.
From farm to mandi, my pickup runs every day now. The EMI reminders on my phone keep me on track. Navridhi made vehicle ownership possible for me.
The India CV finance market is at an inflection point. NBFCs command 63.7% market share, used CV is growing at 11.8% CAGR, and the AP–Telangana corridor is the fastest growing at 12.16% CAGR. Navridhi combines this market opportunity with a technology-led operating model and a founding team that has built lending businesses for three decades.
Enquire About Investment →We are building a team that combines financial discipline with ground-level empathy and a love for technology. If you want meaningful work led by people who have done it before, we want to hear from you.
Every loan we disburse puts a vehicle on the road and a livelihood in motion.
Work directly with founders who led operations at GE Capital, SBI Cards and Fusion Finance.
Join early and shape how Navridhi grows. Your decisions will matter here.
Roles span technology, credit, operations, collections and partnerships.
We are in early-stage hiring for our founding team. Roles span technology, credit assessment, field operations and business development. If you have experience in NBFC or vehicle finance and want to be part of something new, reach out.
Express Your Interest →Whether you are a lending partner, dealer, investor 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
Thank you for reaching out. Our team will get back to you within 24 hours.