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Seed Stage · Patent Pending · TRL-6 Prototype

The ₹70,000 Cr
Indian telematics opportunity.

MargRakshak is a multi-revenue hardware-software platform at the intersection of India's telematics, insurance, and smart city markets. We are the first to combine all three in one sub-₹7,000 device.

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₹70KCr
Indian Motor Insurance market GWP (FY24) — civil score API target
5×
Revenue streams: hardware, subscriptions, data API, legal vault, DaaS marketplace
TRL-6
Prototype complete. OBD, camera, GPS, IMU firmware tested on real vehicles
0
Competitors combining all 8 features in one device under ₹7,000 in India today

Three markets. One device.
Completely uncontested.

Insurance Telematics

₹70,000 Cr GWP

IRDAI's PHYD (Pay How You Drive) framework exists. Insurers need a data provider. No consumer device in India generates OBD-validated Civil Scores at scale. We become the standard.

Road Data Economy

₹1.6 Lakh Cr Budget

India spends ₹1.6L Cr annually on road maintenance. Pothole mapping data is sold per-corridor to NHAI and State PWDs. Each MargNetra is a rolling survey vehicle.

Fleet Telematics

$1.1B by 2028

Enterprise fleet telematics incumbents price at ₹15–25K per device and charge ₹500–1500/month subscriptions. We price at ₹7K with no monthly fee — disrupting from below.

Four moats.
All compounding.

Patent

Form 1 & Form 2 filed. Priority date secured. Specifically covers the hardware-tokenomics combination that defines MargNetra's core value proposition.

Data Network Effect

Every device on the road makes every other device's data more valuable. Pothole maps, accident blackspot identification, and Civil Score benchmarking all improve with scale.

Civil Score Ecosystem

Once insurers, fleet operators, and rental platforms adopt Civil Score as a standard input, switching cost for drivers becomes extremely high — the score is portable but only from MargNetra.

Institutional B2B Lock-In

Annual data API contracts with NHAI/ICCC and insurers create recurring SaaS-style revenue that is difficult to replace once integrated into actuarial models and city dashboards.

Use of Funds

Hardware Manufacturing (Batch 1)
500-unit first production run · PCB assembly · CE + BIS certification
40%
Backend Infrastructure
Cloud scaling, Civil Score API hardening, wallet engine compliance
25%
Regulatory Filings
IRDAI PHYD alignment, RBI TSP onboarding, BIS/WPC type approval, legal
20%
Go-to-Market
Channel partnerships, insurer pilot MoUs, NHAI corridor pilot
15%

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Includes detailed financial model, competitive analysis, team backgrounds, and technical validation documentation.

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We respond within 48 hours. Calls available over Google Meet or in-person in Delhi NCR.

What is real today.

Patent Filed

Form 1 & Form 2 filed at Indian Patent Office. Priority date secured for core hardware-tokenomics architecture.

TRL-6 Hardware Prototype

ESP32-S3 firmware complete. OBD integration (ELM327), camera feed processing, GPS, MPU6050 IMU — all tested on live vehicles.

Live Cloud Backend

Node.js + Prisma + PostgreSQL on Oracle Cloud. Civil Score API, wallet state machine (provisional/held/available), dispute flow — all running.

10 Product Portals Live

Consumer app, B2G NHAI war room, Insurance underwriter console, Municipal ICCC, Legal vault, DaaS API marketplace — all functional.

Ready to talk?
We are building for scale.

We are meeting early-stage investors aligned with deep tech, mobility, and InsurTech in India. Reach out directly.

Email Varun Directly → Fill Contact Form

varun.ruhella@margrakshak.com · (209) 233-8381 · Delhi NCR, India