Journey • Auto Loan

Showroom to street,
disbursed in minutes.

Automate Vahan verification, on-road LTV calculation, instant Delivery Orders, and PDD tracking on one unified lending platform.

Every step connected.
Every decision visible.

  1. Faster showroom turnaround

    Cut dealership walk-in to Delivery Order (DO) time to minutes with instant eKYC, live Vahan checks, and automated scheme matching.

  2. Smart asset & LTV control

    Unify borrower KYC, ex-showroom or used-grid valuation, insurance endorsements, and LTV guardrails in one guided workflow.

  3. Complete visibility

    Track every Delivery Order, dealer payout, Post-Disbursal Document (PDD), and RC hypothecation status across branches and dealerships from one place.

From showroom to closure,
connected at every step.

01 Borrower Onboarding & eKYC

Verify dealership walk-in or digital borrowers in seconds with Aadhaar eKYC, PAN and Driving License validation, live photo capture, and cross-branch deduplication.

  • AI Lead Capture
  • Loan Origination System
  • Application Management

02 Vehicle Verification & Valuation

Fetch live Vahan/RTO records, verify chassis and engine numbers, and log OEM on-road quotes or used-vehicle inspection scores with geo-tagged vehicle photos.

  • AI Document Intelligence
  • KYC
  • Document Management

03 Underwriting & Scheme Matching

Combine instant bureau pulls and Account Aggregator cash-flow checks with OEM subvention, dealer payout grids, and step-up, balloon, or standard EMI schemes within LTV caps.

  • Asset Valuation
  • LTV Calculation
  • Policy Rules

04 Instant Sanction & Hypothecation Agreement

Generate multi-language Key Facts Statements (KFS), sanction letters, and loan-cum-hypothecation agreements with quick Aadhaar eSign or OTP-based borrower sign-off.

  • AI Credit Assessment
  • Credit Engine
  • Risk Analytics

05 e-Mandate & Delivery Order (DO) Release

Register repayment mandates via eNACH or UPI Autopay, log margin money receipts, and issue digital Delivery Orders directly to the dealership counter.

  • Workflow Orchestration
  • Approval Matrix
  • Digital Documentation

06 Instant Dealer Payout & Disbursal

Verify dealer or seller bank accounts via penny-drop and trigger real-time net payouts across RTGS, NEFT, or IMPS with automated subvention, processing fee, and insurance deductions alongside live ledger posting.

  • Loan Management System
  • Disbursement Workflow
  • Integrations

07 PDD Tracking, Servicing & NOC Closure

Track Post-Disbursal Documents (tax invoice, motor insurance, and RC hypothecation status), manage EMI collections or yard repossession workflows, and automate Form 35 and digital NOC issuance upon closure.

  • Loan Management
  • Collections & Recovery
  • Portfolio Monitoring

Everything your
auto loan operation needs.

  • Capture and organize application information with less manual effort.

  • Collect, extract and verify customer documents as part of the application workflow.

  • Route applications through configured approval rules, exceptions and documentation workflows.

  • Bring customer, financial and credit information together to assess eligibility against configured lending policies.

  • Manage active loans, repayments, collections and account activity beyond disbursement.

One connected platform
behind every step.

Built for every
lending institution.

Connect the systems you already use.

Bring the data, services and systems behind your auto lending operation together through a connected ecosystem.

Credit bureaus

CIBILExperianEquifaxCRIF High Mark

Banking & payments

NACH / eNACHIMPSNEFTCore Banking APIs

Frequently
asked questions

Still unsure? Our lending specialists are happy to walk through the specifics for your institution.

Talk to our team

Rewafin connects lead capture, application processing, KYC, document verification and credit assessment within a configurable origination workflow.

Ready to modernize auto lending?

See how Rewafin can connect your auto loan operations from application to repayment.