Dimension scores are derived from public data and fields; weighted into the composite. Reference only.
Perpetuity Capital is a green-asset financing brand operated by Oracle Marketing Private Limited (OMPL). Its disclosures state that OMPL is a non-deposit-taking NBFC regulated by the Reserve Bank of India. Its core business is not payment gateways, but lending services for electric vehicles and clean-energy assets in India, with a focus on helping individual drivers, fleets, and micro-business owners purchase electric two-wheelers, electric three-wheelers, lithium batteries, and rooftop solar systems.
The platform offers loan amounts from ₹50,000 to ₹20,00,000, and advertises soft approval within 10 minutes, with full loan processing typically taking 24-48 hours. Users can apply via the website, App, or WhatsApp, and submit documents such as PAN, Aadhaar, and bank statements. Once approved, the platform issues a delivery order to the dealer and disburses funds directly to the dealer. For repayment, the text mentions EMI, NACH bank debits, bank-account payments, and Razorpay payment success/failure prompts.
Pricing information is relatively limited: the site claims “responsible credit starting @ 10% interest rate,” while the EMI calculator shows an interest-rate range of 1%-30% and loan terms of up to 60 months. Apart from the interest rate, processing fees, late-payment charges, prepayment fees, and other costs are not disclosed, so the loan agreement still needs to be reviewed when assessing the total cost. On the compliance side, the website discloses RBI-regulated NBFC status, KYC policy, privacy policy, grievance officer, compliance officer, financial reports, and company certificates, making it more transparent than typical lead-generation pages.
For risk control, Perpetuity uses the Perpetuity Score, KYC, bank statements, credit-bureau information such as EQUIFAX and CIBIL, and device-permission data for underwriting, anti-fraud, and collections. The Maatra app also collects location data for employee attendance and customer verification. Its strengths are a focused use case, digitized approval, and suitability for helping users with no credit history build formal credit. Its weaknesses are the relatively broad access to sensitive data, incomplete fee disclosures, and the lack of any disclosed open API; only website, App, and dealer-management app integrations are visible.
It is better suited to local Indian EV drivers, logistics fleets, delivery workers, dealers, and buyers of clean assets. For Chinese users, the lack of PAN, Aadhaar, Indian bank accounts, and local vehicle-use scenarios means it is generally not directly applicable. The main text does not provide information on accessibility from Chinese networks, so its availability from China is unknown. If looking for alternatives in China, consider local bank auto loans, financial leasing, supply-chain finance, or new-energy commercial vehicle financing solutions.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on perpetuitycapital.in official site.
perpetuitycapital.in is an India Payments provider. TG4G tracks its product information, an overall rating of 5.0/10, and a China-accessibility score of Unknown. Click "Visit Official Site" to reach perpetuitycapital.in directly.