https://ruchitagarwal.comField notes from the trust engine behind India's used-car economy.https://ruchitagarwal.substack.com/p/what-happens-to-insurance-as-a-carhttps://ruchitagarwal.substack.com/p/what-happens-to-insurance-as-a-carCars24 inspection data points to a protection gap that grows with vehicle age, making later renewal harder precisely when the car still needs cover.Sat, 29 Aug 2026 07:55:50 GMThttps://ruchitagarwal.substack.com/p/how-to-underwrite-a-dealer-with-tenhttps://ruchitagarwal.substack.com/p/how-to-underwrite-a-dealer-with-tenA practical way to see a small dealer through inventory, velocity, behaviour, and the asset itself when traditional financial statements are thin.Mon, 20 Jul 2026 12:28:34 GMThttps://ruchitagarwal.substack.com/p/collections-is-not-a-cost-centrehttps://ruchitagarwal.substack.com/p/collections-is-not-a-cost-centreCollections does more than recover cash. It reveals where underwriting, product design, service, and customer understanding need to improve.Mon, 20 Jul 2026 12:10:05 GMThttps://www.cars24.com/article/why-cars24-takes-legal-ownership-of-cars-between-sale-and-resale/https://www.cars24.com/article/why-cars24-takes-legal-ownership-of-cars-between-sale-and-resale/Why Cars24 accepts legal responsibility during the period between buying a vehicle from one owner and transferring it to the next.Tue, 14 Jul 2026 05:20:08 GMThttps://ruchitagarwal.substack.com/p/the-hidden-advantage-of-auto-financehttps://ruchitagarwal.substack.com/p/the-hidden-advantage-of-auto-financeThe financed asset produces operating information that can make underwriting and portfolio management stronger over time.Tue, 07 Jul 2026 12:28:56 GMThttps://www.cars24.com/article/how-cars24-earned-authorised-dealer-status-for-deemed-ownership-across-india/https://www.cars24.com/article/how-cars24-earned-authorised-dealer-status-for-deemed-ownership-across-india/The operating and compliance work required to make a national ownership responsibility mechanism real, not merely available in law.Tue, 07 Jul 2026 06:21:47 GMThttps://www.cars24.com/article/how-deemed-ownership-works-when-you-sell-a-used-car-in-india/https://www.cars24.com/article/how-deemed-ownership-works-when-you-sell-a-used-car-in-india/A plain-language explanation of what Deemed Ownership changes for a seller, a dealer, and the ownership record.Tue, 30 Jun 2026 02:50:39 GMThttps://ruchitagarwal.substack.com/p/three-markets-two-variableshttps://ruchitagarwal.substack.com/p/three-markets-two-variablesA compact framework for comparing auto-finance markets through asset quality and the information available to underwrite it.Fri, 26 Jun 2026 08:48:19 GMThttps://www.cars24.com/article/deemed-ownership-in-india-the-2022-rule-that-should-have-fixed-rc-transfer/https://www.cars24.com/article/deemed-ownership-in-india-the-2022-rule-that-should-have-fixed-rc-transfer/What the 2022 rule set out to solve, the responsibility it created for dealers, and why implementation still matters.Tue, 23 Jun 2026 05:05:20 GMThttps://www.cars24.com/article/what-happens-if-you-sell-your-car-but-the-rc-is-not-transferred/https://www.cars24.com/article/what-happens-if-you-sell-your-car-but-the-rc-is-not-transferred/The practical risk a seller continues to carry when the vehicle has moved but the official ownership record has not.Wed, 17 Jun 2026 03:10:56 GMThttps://ruchitagarwal.substack.com/p/the-future-of-lending-belongs-tohttps://ruchitagarwal.substack.com/p/the-future-of-lending-belongs-toWhy the car, its condition, and its resale path should sit beside the borrower at the centre of a lending decision.Tue, 16 Jun 2026 09:53:42 GMThttps://www.cars24.com/article/financing-the-circular-economy-cars24s-role-in-transforming-mobility/https://www.cars24.com/article/financing-the-circular-economy-cars24s-role-in-transforming-mobility/How vehicle commerce and financing can work together to keep mobility assets useful for longer and make ownership more accessible.Fri, 06 Dec 2024 04:26:15 GMT