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IRDAI PHYD Aligned · 300–900 Scale

Driving well should
open doors.

The Driver Civil Score is your financial passport on Indian roads. Just like CIBIL for credit — but for how you drive. Higher score = cheaper insurance. Guardian Elite = the best rates in India.

CRED built a club for credit scores.
We built one for driving scores.

CRED gatekeeps its platform to users with a CIBIL score above 750 — creating a high-trust club where membership itself has financial value. We do exactly the same, but for driving. Guardian Elite becomes India's most coveted mobility status.

CRED Model
  • →CIBIL score 750+ gates the platform
  • →Credit discipline rewarded with cashback and deals
  • →750+ club = India's most valued loyalty tier in fintech
  • →Score is portable across lenders and services
MargNetra Civil Score
  • →Guardian Elite (850+) gates premium insurance rates
  • →Driving discipline rewarded with real insurance discounts
  • →Guardian Elite = India's most valued loyalty tier in mobility
  • →Portable: insurers, rental cars, fleet hiring, gig platforms

The Four Tiers

850–900

Guardian Elite

  • ✓ 15% insurance discount
  • ✓ FASTag priority lane
  • ✓ Priority claim settlement
  • ✓ Rental car priority booking
  • ✓ Gig platform premium badge
750–849

Guardian Pro

  • ✓ 10% insurance discount
  • ✓ Priority claim settlement
  • ✓ Preferred customer status
  • ✓ Fleet hiring fast-track
600–749

Standard

  • ✓ 5% insurance discount
  • ✓ Coaching mode active
  • ✓ Streak bonus available
300–599

Building

  • ✓ Full AI coaching
  • ✓ Standard premium
  • ✓ Daily improvement tips

How Your Score Is Calculated

Four behavioural dimensions. Hardware-verified. Not self-reported. Not estimated. Real data from your car.

Speed Compliance

30% weight

OBD speed cross-validated against GPS. Zone-aware speed limit checking. Sustained compliance earns full points.

Braking Smoothness

25% weight

MPU6050 G-force events tracked at 100Hz. Smooth deceleration patterns score highest. Emergency overrides are excluded.

Following Distance

25% weight

Optical distance estimation via forward camera. OBD engine load patterns validate safe gap maintenance at speed.

Trip Streaks

20% weight

7-day clean driving streak = score multiplier. Consistent good behaviour is rewarded more than a single perfect trip.

Your Score Is Portable.
Everywhere.

MargRakshak aims to become the definitive "CIBIL Score for Driving." The Civil Score crosses boundaries far beyond private insurance.

Motor Insurance

IRDAI PHYD-approved discounts from partner insurers. API query per policy. Discount applied at renewal.

Rental Cars

Platforms like Zoomcar can gate access to premium vehicles for Guardian Elite scored drivers. Lower deposit. Better rates.

Gig Platform Onboarding

Uber, Rapido, and logistics platforms can use the Civil Score to fast-track driver onboarding and prioritise high-scoring drivers for premium rides.

Fleet Hiring

Corporate fleet operators can require a minimum Civil Score for hiring decisions. Verified, tamper-proof driving history.

Institutional Lending

Vehicle loans and refinancing products can incorporate the Civil Score as a risk indicator for transport-sector borrowers.

Government Licensing

Long-term: Civil Score as a supplementary input into commercial vehicle licence renewal and driving record assessments.

Start building your Civil Score
from your first drive.

Join the waitlist. Your score begins accumulating from day one of MargNetra activation.