E-rickshaw loan
For drivers moving from rented to owned
- New and used e-rickshaws
- Battery replacement can be financed
- Repayment matched to daily earnings
E-rickshaw · Auto · Two-wheeler
The vehicle you drive
should be yours
We finance e-rickshaws, autos and two-wheelers for the people who earn from them — assessed on what the vehicle actually brings in, not on a salary slip.
What do you want to finance?
What we finance
Three vehicles, one idea
Each of these is somebody's earning machine. We finance them for the people who drive them, and size the instalment against what the vehicle brings in.
Auto-rickshaw loan
For permit holders and first-time owners
- CNG, petrol and electric autos
- Permit and insurance costs can be included
- Existing-vehicle refinance available
Two-wheeler loan
For delivery riders, field staff and traders
- New and used two-wheelers
- Short tenures to keep total cost down
- Built for informal and variable income
Plan your repayment
See your EMI before you apply
A quick estimate at our standard 19% p.a. rate — move the sliders to see how the amount and tenure change your instalment.
EMI calculator
₹
%
months
- Processing fee and documentation charges may apply.
- Taxes and GST extra, as applicable.
Payment summary
Monthly EMI
₹4,033
interest + principal
Monthly EMI
₹4,033
Total repayment
₹96,785
Total interest
₹16,785
Indicative only. Your actual rate, fees and eligibility are confirmed after assessment.
How it works
Four steps, and a person at every one
No app-only process and no automated rejection. A field officer meets you, sees the vehicle, and works out what you can actually repay.
- 01
Talk to us
Send an enquiry here or walk into a branch. Tell us which vehicle you want and what you earn from it.
- 02
Share your documents
Identity and address proof, and whatever shows your income — a bank passbook, trip records or a permit.
- 03
We assess and sanction
A field officer meets you in person. We size the instalment against real earnings, not a formula on paper.
- 04
Vehicle and repayment
Funds go to the dealer, the vehicle comes to you, and repayment runs on a schedule you have agreed to.
Why Ulekh Vinimay
Built for borrowers the banks skip
We lend against earnings, not paperwork
Most of our borrowers have no salary slip and no credit history. A field officer assesses what the vehicle actually earns.
One instalment, no surprises
The repayment you agree to is the repayment you pay. Charges are explained in your own language before you sign.
Your data stays minimal
We keep only what regulation requires — for Aadhaar, that means the last four digits and nothing more.
Contact us
Tell us what you drive
Send us a message and someone from the team will get back to you. If you are not sure which loan fits, describe your work and we will tell you what is possible.