MargRakshak earns from motor insurers, highway authorities, and fleet operators — simultaneously. Every institutional rupee flows back into the driver reward pool.
Indian motor insurers average 85–90% loss ratios on commercial policies. We give them the data to price risk correctly — for the first time.
Per-query fee when an insurer checks a driver's Civil Score before issuing or renewing a motor policy. 300–900 scale, OBD-verified, tamper-proof.
When a claim is filed, insurers pay a forensic retrieval fee to access the pre-crash dashcam clip, OBD speed snapshot, and SHA-256 Merkle-signed chain of custody.
Monthly subscription access to fleet and portfolio-level Civil Score analytics. Identify high-risk policyholders before a claim is filed, not after.
We respond within 24 hours
Every MargNetra device reads road surface vibration through its IMU sensor as it drives. When 5+ devices register the same jolt at the same GPS coordinates within 24 hours — pothole confirmed. Automatically.
5+ IMU events at same GPS point within 24 hours = pothole confirmed. Road condition data delivered as an API or GIS layer.
Continuous vibration signature data identifies road degradation before it becomes a pothole — enabling preventive maintenance vs. reactive repair.
Real-time road condition overlay on city-level Integrated Command and Control Centre dashboards. Incident heatmaps. Traffic pattern analysis.
Every rupee earned from NHAI data directly increases the MargCoin reward available to drivers — closing the loop between public infrastructure and private driver benefit.
Ride-hailing fleets, logistics companies, school bus operators — MargNetra makes fleet safety monitoring affordable and driver-friendly. Not boss surveillance. A mutual win.
₹6,999 per device. Driver earns back ₹1,200/month in rewards — so it self-funds. Fleet operator gets telematics. Driver gets paid. Everybody wins.
MargNetra is compatible with the AIS-140 Vehicle Location Tracking mandate for commercial vehicles — positioning fleets for mandatory compliance without replacing existing hardware.
Operator-level view of every vehicle's Civil Score, trip history, fuel efficiency, DTC fault codes, and maintenance alerts. One screen. Every vehicle.
Volume discounts available for orders of 50+ devices. White-label and co-branding options for large fleet operators.
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