Writing
A public archive with a clear spine
Essays from Cars24 and Substack, brought into one index. Only work with a verified public link appears here.
Capital and risk
Building a lending company
Asset underwriting, dealer finance, collections, and the operating machinery behind responsible credit.
How to underwrite a dealer with ten cars and no audited financials
A practical way to see a small dealer through inventory, velocity, behaviour, and the asset itself when traditional financial statements are thin.
Collections is not a cost centre, it's a signal
Collections does more than recover cash. It reveals where underwriting, product design, service, and customer understanding need to improve.
The Hidden Advantage of Auto Finance
The financed asset produces operating information that can make underwriting and portfolio management stronger over time.
Three markets, two variables
A compact framework for comparing auto-finance markets through asset quality and the information available to underwrite it.
The future of car lending belongs to asset underwriters
Why the car, its condition, and its resale path should sit beside the borrower at the centre of a lending decision.
Paperwork and responsibility
Ownership and records
RC transfer, Deemed Ownership, custody, and the records that make responsibility visible.
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.
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.
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.
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.
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.
Protection over time
Insurance and protection
Why protection weakens as cars age, and how systems can keep coverage useful and continuous.
The whole ownership loop
The Cars24 ecosystem
How commerce, capital, protection, records, and service can work as one ownership system.