Tell us about AMU’s key solutions and what makes AMU’s financial modelling used in leasing unique as compared to traditional lending for EVs?
Accelerated Money 4 U (AMU) offers pioneering financial solutions designed to accelerate the green mobility shift in India. Unlike traditional EV lending, AMU’s innovative financial model focuses on asset leasing and income-based financing—making electric vehicles, especially E-Rickshaws, two-wheelers, and cargo autos, more accessible to underserved segments.
Our approach reduces upfront costs and eliminates the burden of collateral and complex documentation. With easy EMIs, flexible tenures, doorstep servicing, and quick disbursals, we empower first-time borrowers—many of whom are women, daily earners, and small entrepreneurs.
What sets AMU apart is our holistic lifecycle support: from vehicle financing to repair, resale (via EV Replay), and top-up loans, we ensure continuity and sustainability. Our SEWA program exclusively finances women-led ownership, promoting gender inclusion.
By aligning repayments with actual income patterns and vehicle utilization, AMU ensures higher recovery, minimal defaults, and scalable social impact. This is not just financing—it’s green empowerment on wheels.
What credit scoring techniques are used in AMU’s technology-driven loan assessments?
AMU leverages advanced, tech-driven credit scoring techniques to power inclusive and efficient EV financing. Moving beyond traditional bureau-based assessments, our proprietary model integrates alternative data—such as mobile usage patterns, GPS-based driving behaviour, eKYC, transaction history, and repayment trends from informal sources.
Through AI and machine learning algorithms, we analyse these inputs to generate real-time risk profiles, enabling us to assess first-time borrowers, gig workers, and micro-entrepreneurs who lack formal credit histories. This ensures financial inclusion without compromising risk integrity.
Our telematics-linked underwriting captures actual vehicle usage and routes, helping forecast earnings potential and repayment capacity. With geo-tagging, digital documentation, and e-signatures, the loan journey is entirely paperless and secure.
By turning alternative behavioural data into financial opportunity, AMU is not just financing vehicles—we’re building digital credit identities for Bharat’s next billion. It’s a smart, scalable, and socially responsible credit revolution on wheels.
How does AMU ensure data privacy and cybersecurity in its loan management systems?
At Accelerated Money 4 U (AMU), safeguarding customer data is a cornerstone of our digital lending ecosystem. Our loan management systems are built with end-to-end encryption and multi-layered security protocols that align with RBI guidelines and global data protection standards.
We deploy robust firewalls, secure APIs, and tokenized access to ensure sensitive borrower information—such as Aadhaar, PAN, income records, and location data—remains strictly confidential. Role-based access controls prevent unauthorized entry, while regular audits and penetration testing are conducted to identify and mitigate risks proactively.
AMU’s systems are hosted on secure cloud infrastructure with real-time data backup and disaster recovery mechanisms. We also implement two-factor authentication (2FA) and OTP verification across all digital touchpoints for borrower protection.
Our commitment extends to user education, ensuring customers are aware of safe digital practices. By embedding trust, transparency, and technology into our operations, AMU ensures that innovation in EV financing never comes at the cost of customer privacy or security.
What are the challenges of working with state transport departments on EV financing schemes?
Collaborating with state transport departments on EV financing schemes presents both opportunity and complexity. While government support is vital for mass EV adoption, operational challenges can slow down implementation.
Key hurdles include bureaucratic delays in vehicle registration, subsidy disbursement, and permit approvals, which impact financing timelines and customer confidence. Inconsistencies in EV policies across states further complicate the rollout of standardized financing products. The lack of digitization in some departments leads to manual processing, increasing turnaround time and error risk.
Moreover, frequent policy changes and limited on-ground awareness create uncertainty for financiers and end-users alike. For NBFCs like AMU, aligning with evolving regulatory frameworks while ensuring seamless customer service becomes a continuous task.
Despite these challenges, AMU actively engages with transport departments to streamline workflows, promote policy dialogue, and support e-governance initiatives. By bridging the gap between public schemes and private financing, we aim to build a more efficient and inclusive EV ecosystem across India.
How does AMU ensure that its loans actually lead to measurable environmental outcomes?
At AMU, every loan is a step toward a greener India. Our financing model is designed not only to improve access to electric vehicles but also to ensure tangible environmental outcomes. We embed sustainability at the core of our operations by closely tracking the carbon reduction impact of each asset financed.
Using telematics and GPS-enabled monitoring, AMU captures real-time data on vehicle usage, kilometres travelled, and fuel savings. This allows us to calculate precise CO₂ emissions avoided by replacing conventional fossil-fuel vehicles with EVs. These metrics are aggregated and audited to measure the environmental return on investment.
Our dedicated product lines—such as loans for e-rickshaws, cargo EVs, and two-wheelers—focus on high-usage vehicles in urban and peri-urban areas, where the environmental benefit is most significant. In partnership with ESG advisors, we regularly publish sustainability reports, showcasing reductions in pollution and improvements in air quality.
By financing green mobility with measurable outcomes, AMU ensures that financial inclusion and environmental impact go hand in hand.
How does AMU handle loan portfolio diversification while staying focused on sustainable development?
At AMU, loan portfolio diversification isn’t just a risk strategy—it’s a roadmap for inclusive, sustainable growth. While our core mission remains financing clean mobility, we’ve smartly expanded across complementary verticals to ensure both financial resilience and environmental impact.
We balance our portfolio by serving diverse customer segments—from e-rickshaw drivers and cargo fleet operators to women-led micro-enterprises under our SEWA program. This helps us spread risk while deepening our grassroots impact. Our products go beyond EVs to include loans for battery top-ups, retrofitting kits, and even drone-based green tech—broadening our green footprint.
Yet, every new product passes one test: Does it drive sustainable development? If yes, it fits our mission. We use tech-powered analytics to monitor asset performance, usage, and ESG impact, ensuring our lending remains both inclusive and climate-positive.
This fusion of diversification and purpose keeps AMU agile in a dynamic market—proving that you can grow wide without losing sight of your roots. That’s sustainability, the AMU way.
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