MargNetra is India's first AI dashcam + OBD device that pays drivers real money for safe driving — and automatically calls for help if you crash.
The technology to fix India's road safety crisis has existed for years. Nobody has put it together into an affordable device — until now.
Indian motor insurance is priced on age and car model — not how you drive. A cab driver with zero accidents pays the same premium as one who has crashed five times. We built the fix.
Plug in once. Under 90 seconds. No mechanic. Works in every petrol, diesel, CNG, and electric car in India.
MargPulse OBD dongle under your steering wheel. MargNetra dashcam on your windshield. 90 seconds. No tools. No mechanic.
AI scores every kilometre in real-time. Smooth braking, lane discipline, speed compliance, and safe following distance all earn you MargCoins.
Redeem your MargCoins for FASTag toll recharges, insurance premium discounts up to 15%, fuel cashback, or direct bank transfer.
Most apps show you a number. MargNetra shows you the truth about your money — in three states. We never take settled money without your explicit consent, making us fully compliant with RBI's PPI guidelines.
No instant deductions. Violations move coins to "Held" — not gone. You have 15 minutes to dispute with your dashcam clip.
Fair appeals process. Emergency manoeuvres (hard brake to avoid a child) are never penalised — flagged as "Safety Override."
RBI PPI compliant. We operate as a Technology Service Provider — all monetary balances held by a licensed banking partner.
* Demo wallet — real data from your MargNetra device
Eight capabilities in one device under ₹7,000. No competitor comes close.
Road recording with auto-clip on incident. 15 FPS QVGA, SHA-256 Merkle hashed for court admissibility.
Detects impact >4G. Auto-calls 112, family contacts, and sends GPS coordinates. Even if you're unconscious.
+25 MargCoins per 5km of verified safe driving. Anti-gaming engine prevents loop farming.
RC, PUC, DL, and Insurance stored securely. Alerts 30 days before expiry. Never get caught with lapsed documents.
GPS location auto-saved when engine cuts off. Find your car in any parking lot, any time.
Court-admissible cryptographic evidence. Export SHA-256 Merkle-signed affidavits for insurance disputes and challans.
Your driving score from 300–900. Guardian Elite tier = 15% insurance discount. Like CIBIL, but for driving.
14-PID engine diagnostics. DTC fault codes, fuel theft detection, battery health, coolant warnings — all live.
In India, the "golden hour" after a road accident is the difference between life and death. Currently, bystanders must manually call for help. MargNetra does it automatically.
15-second countdown before SOS fires. Driver can cancel for false triggers.
Competitors own isolated slices of the telematics stack. We built the whole stack — and made it affordable.
| Feature | MargRakshak | Qubo / 70mai | JioMotive | Vamosys |
|---|---|---|---|---|
| Device Price | ₹6,999 | ₹3–5K (no OBD) | ₹4,999 | ₹15–20K |
| OBD Engine Data | ✓ | ✗ | ✓ | ✓ |
| Road Video Recording | ✓ | ✓ | ✗ | ✗ |
| Pays Driver for Safety | ✓ | ✗ | ✗ | ✗ |
| Emergency Crash + Ambulance Call | ✓ | ✗ | ✗ | ✗ |
| RSA Physical Button | ✓ | ✗ | ✗ | ✗ |
| Works Offline (Tunnels) | ✓ | ✓ | ✗ | ✓ |
| DigiLocker Document Vault | ✓ | ✗ | ✗ | ✗ |
| Court-Admissible Records (65B) | ✓ | ✗ | ✗ | ✗ |
| Sells Data to Insurers | ✓ | ✗ | ✗ | Fleet only |
| Indian Road Optimised | ✓ | Partial | Partial | Partial |
No company anywhere in India combines OBD engine data + dashcam video + financial rewards + emergency crash detection + document vault in one device under ₹7,000. That gap is ours.
Just like CRED turned a credit score into a lifestyle status symbol, MargNetra turns your driving score into a financial status symbol. Guardian Elite drivers get the best insurance rates in India.
15% insurance discount + FASTag priority lane + priority claim settlement
10% insurance discount + priority claim settlement
5% insurance discount + coaching mode enabled
Standard premium + full AI coaching to improve
ESP32-S3 firmware complete. OBD, camera, GPS, IMU all tested.
Form 1 & Form 2 filed at the Indian Patent Office. Priority date secured.
Consumer, B2G, Insurance, ICCC, Legal, and API portals — all live.
Node.js + Prisma + PostgreSQL on Oracle Cloud. Wallet engine, Civil Score API, dispute flow — all running.
Conservative estimate: ₹1,200/month in FASTag credits and insurance savings. Most drivers break even before month 6.
MargNetra dashcam + MargPulse OBD dongle · Free app · No monthly fees
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