BUSINESS MODEL & OPERATIONS
How Our Mobility Financing Ecosystem Works
Energy Fintech Services LLP operates through a fintech-based co-lending model, combining institutional funding strength with fintech capabilities and on-ground market expertise.
THE CO-LENDING MODEL
From institutional funding to mobility finance
This diagram explains the operating approach. It does not describe a guaranteed outcome for every application.
- 01
Institutional Funding Partners
Funding strength through bank and NBFC partnerships under a co-lending model.
- 02
Fintech Capabilities
Technology-enabled assessment and financing operations.
- 03
Field Operations
Market access supported by field verification and customer profiling.
- 04
Customer Financing Support
Financing focus across vehicles, batteries and mobility assets.
STATED OBJECTIVES OF THE MODEL
- 01Faster approvals
- 02Competitive interest rates
- 03Better customer access
- 04Flexible financing solutions
These are the company’s stated objectives for the model, not guarantees for any individual application.
TECHNOLOGY & OPERATIONS
Structured processes, supported on the ground
Digital underwriting, customer tracking and field operations support financing and servicing activities.
- 01Digital Underwriting
- Technology-enabled assessment processes that support financing decisions.
- 02Customer Profiling
- Building a picture of the customer’s background and earning context.
- 03Field Investigation
- On-ground residence and business verification.
- 04Collection Management
- Structured EMI collection, follow-ups and recovery.
- 05Customer Servicing
- Relationship-led support during financing operations.
- 06Portfolio Monitoring
- Ongoing monitoring of the financing portfolio.
THE FINANCING JOURNEY
From assessment to portfolio monitoring
A general overview of how the operating model fits together. It does not describe an identical process for every customer.
- 01
Customer Assessment
Digital underwriting systems support the initial assessment.
- 02
Verification
The FI team verifies residence and business and profiles the customer.
- 03
Financing Support
Financing is supported through the co-lending model.
- 04
EMI Follow-up
EMI collections and customer follow-ups after disbursement.
- 05
Portfolio Monitoring
Ongoing monitoring of the financing portfolio.
THE HYBRID MODEL HELPS MAINTAIN
- Faster turnaround time
- Better portfolio quality
- Strong repayment tracking
- Improved customer servicing
FIELD INVESTIGATION
Field Investigation (FI) team
Before loan disbursement, the FI team conducts these checks. The process helps maintain disciplined lending practices and reduces future default risks.
- 1
Residence Verification
Confirming the customer’s residence details on the ground.
- 2
Business Verification
Verifying the customer’s business or occupation.
- 3
Customer Profiling
Understanding the customer’s background and circumstances.
- 4
Earning Capacity Assessment
Assessing the customer’s income and ability to service the financing.
- 5
Risk Evaluation
Bringing the findings together into a risk view.
COLLECTION MANAGEMENT
Collection team
Post-disbursement, the collection team manages the following. The company follows a relationship-driven approach to maintain strong customer engagement and healthy recovery performance.
- 01
EMI Collections
Collecting scheduled instalments from customers.
- 02
Customer Follow-ups
Regular contact to support timely payments.
- 03
Recovery Management
Structured recovery activity where payments fall behind.
- 04
Portfolio Monitoring
Tracking the health of the portfolio.
Repossession support is provided by the collection team in critical default cases.
REVENUE MODEL
A sustainable business model
Energy Fintech Services LLP generates revenue through multiple business channels. This diversified income structure supports long-term operational sustainability and business scalability. No figures or forecasts are implied.
| Revenue source | Note | Status |
|---|---|---|
| Interest IncomeEarnings from financed loan portfolios | Earnings from financed loan portfolios | Current |
| Processing FeesCharges collected during loan processing | Charges collected during loan processing | Current |
| Documentation ChargesService and documentation-related income | Service and documentation-related income | Current |
| Insurance CommissionFuture income through insurance partnerships | Future income through insurance partnerships | Future |
| Late Payment ChargesCharges on delayed EMI payments | Charges on delayed EMI payments | Current |
| OEM and Dealer Onboarding ChargesCharges related to platform implementation | Charges related to platform implementation | Current |
FUTURE EXPANSION
A broader mobility ecosystem
To become a trusted, technology-driven platform supporting India’s green mobility transformation, building a complete “One-Stop Financial Solution” for EV and mobility customers. These are planned areas, not current offerings.
- 01Vehicle Insurance ServicesPlanned
- 02EV Protection PlansPlanned
- 03Battery Protection ProgramsPlanned
- 04Micro-Insurance ProductsPlanned
- 05Fleet Financing SolutionsPlanned