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mCollect – EV Recovery & Liquidation Platform
End-to-End Recovery & Asset Lifecycle Management for 2W, 3W & 4W EVs
Recover Faster. Preserve Value. Liquidate Smarter.
The EV Lending Challenge
The electric vehicle financing sector in India is experiencing unprecedented growth, with 2-wheeler and 3-wheeler EV loans becoming increasingly common. However, this rapid expansion has brought significant operational challenges that impact profitability and recovery rates.
Rising NPAs
Non-performing assets in the EV segment are increasing as the market matures, requiring specialized recovery approaches that traditional methods cannot adequately address.
Fragmented Processes
Recovery, yard storage, inspection, and sale processes operate in silos, creating inefficiencies and communication gaps that delay resolution and reduce recovery values.
Battery Depreciation
Without proper charging infrastructure, idle EVs experience rapid battery degradation, directly impacting asset value and making vehicles harder to liquidate at acceptable prices.
Manual Valuation
Traditional inspection and valuation methods lack EV-specific expertise, leading to inaccurate pricing, disputes, and suboptimal realization at the point of sale.
The result: Longer turnaround times, lower liquidation values, poor visibility, and increased audit risk.
What's Missing in Today's Recovery Ecosystem?
Current State Challenges
The market lacks specialized infrastructure and processes designed specifically for electric vehicles. Traditional recovery operations treat EVs like conventional vehicles, missing critical technical requirements unique to electric mobility.
Most recovery yards lack charging facilities, leading to battery degradation. Inspection processes ignore battery health metrics. Valuation models don't account for EV-specific components or their condition.
The fundamental gap: No single partner manages the complete journey from recovery to final liquidation with EV expertise.
EV-Specific Workflows
Recovery processes tailored to electric vehicle requirements
Charging Infrastructure
Yards equipped to maintain battery health during storage
Battery-Aware Valuation
Pricing models that factor in battery condition and lifecycle
AI-Driven Inspection
Transparent, consistent, and comprehensive damage assessment
Integrated Partnership
One partner from recovery through final liquidation
Introducing mCollect EV Platform
mCollect is a single integrated platform that manages the entire EV asset lifecycle, eliminating fragmentation and maximizing recovery value through specialized processes and infrastructure.
Recovery
Field collection with digital handover
Yard Storage
EV-enabled facilities with charging
Inspection
AI-powered damage detection
Valuation
Battery-aware pricing models
Refurbishment
Value-accretive repairs
Maintenance
Asset care until sale
Liquidation
Documentation and sale support
Complete Asset Journey Management
Client Demo Talk Track
"Once an EV is recovered, mCollect takes complete ownership of the asset journey until liquidation. Every step is tracked, optimized, and designed to preserve maximum value."
01
Field Recovery & Digital Handover
GPS-tagged collection with photographic evidence and instant digital documentation transfer to your systems.
02
EV-Enabled Yard with Charging
Secure storage facilities equipped with adequate charging infrastructure to maintain battery health from day one.
03
AI-Based Inspection & Damage Detection
Comprehensive 360° assessment using artificial intelligence to identify all visible and structural damage points.
04
Missing Parts Verification
Systematic comparison against OEM specifications to identify and document any missing components or accessories.
05
EV-Specific Valuation
Multi-scenario pricing including market value, distress value, and liquidation value with battery health impact factored in.
06
Refurbishment (If Value Accretive)
Cost-benefit analysis drives repair decisions, ensuring work is undertaken only when it meaningfully improves realization.
07
Asset Maintenance Till Sale
Periodic charging cycles, battery conditioning, and regular inspections to prevent depreciation during the sales period.
08
Documentation & Liquidation Support
Complete audit trail and sale-ready documentation to enable fast, transparent, and compliant asset liquidation.
EV-Enabled Yard Infrastructure
Designed for Electric Vehicles
Our yards are purpose-built to address the unique requirements of electric vehicle storage, with infrastructure that preserves asset value throughout the recovery-to-sale timeline.
Sufficient Charging Points
Multiple charging stations scaled to yard capacity, ensuring every vehicle can be maintained on a regular charging schedule without delays.
Battery-Safe Zones
Dedicated parking areas designed with fire safety protocols and temperature controls suitable for lithium-ion battery storage.
Charging & Health Logs
Digital tracking of every charging cycle, battery health metrics, and condition monitoring to provide complete visibility.
Asset Tagging & Control
RFID-based inventory management with real-time location tracking and automated alerts for any unauthorized movement.

Impact: Battery health is actively preserved, and value erosion is minimized through proper infrastructure and maintenance protocols.
AI-Powered Inspection Technology
See More. Miss Nothing.
Smart Detection System
Our AI-powered inspection platform uses advanced computer vision algorithms trained specifically on 2W and 3W EV damage patterns. Field agents capture 360° imagery using standard smartphones, and our system instantly identifies issues that human inspectors might miss.
Every inspection includes both automated AI detection and human verification, creating a robust audit trail that reduces disputes and accelerates processing times.
The system detects:
  • Body damage including scratches, dents, and panel deformation
  • Structural issues affecting frame integrity and safety
  • Electrical indicators suggesting battery or wiring problems
  • Wear patterns on critical components like tyres and brakes
95%
Detection Accuracy
AI identifies damage points with 95% accuracy rate
60%
Time Reduction
Inspection completed 60% faster than manual methods
100%
Standardization
Every vehicle assessed using consistent criteria
Outcome: Faster inspection turnaround, standardized reporting across all locations, and significantly reduced valuation disputes.
Missing Parts Detection & Verification
Protect Recovery Value from Day One
Component loss during the period between default and recovery can significantly impact liquidation value. Our AI-powered parts verification system compares each recovered vehicle against OEM configurations to identify any missing components immediately.
Battery Pack
Verifies presence and condition of the primary battery, the most valuable component in any EV asset.
Charger Unit
Confirms original charger is present or documents absence with photographic evidence for valuation adjustment.
Controller & Electronics
Checks for motor controller, display unit, and other electronic components critical to vehicle operation.
Panels & Accessories
Documents missing body panels, mirrors, lights, storage boxes, and other accessories that affect resale value.
Photo-Backed Evidence
Every missing component is documented with timestamped photographs, creating an indisputable record for valuation deductions and reducing disputes with borrowers or buyers.

Result: No hidden value leakage, transparent deductions, and defensible documentation for audit and compliance purposes.
EV-Specific Valuation Engine
Realistic, Defensible Pricing for Electric Assets
Traditional valuation models fail to account for the unique depreciation patterns and component values specific to electric vehicles. Our proprietary valuation engine has been built specifically for the 2W and 3W EV segment, incorporating battery health as a primary pricing factor.
Each asset receives a comprehensive valuation report that provides three distinct pricing scenarios, giving lenders the flexibility to make informed decisions based on their recovery strategy and timeline.
Market Value
Expected price in a normal retail sale scenario with adequate time to find a buyer, reflecting current market demand and vehicle condition.
Distress Value
Realistic pricing for accelerated sales where speed is prioritized over maximum realization, typically 70-80% of market value.
Liquidation Value
Conservative estimate for immediate bulk sales or auction scenarios, ensuring expectations are aligned with likely outcomes.
Battery health impact is explicitly calculated and disclosed in every valuation, with adjustment factors based on charging history, age, and diagnostic data.
Delivered as a digitally signed valuation report (PDF) with complete methodology transparency and supporting evidence.
Refurbishment Decision Engine
Repair Only When It Makes Sense
Not every recovered vehicle benefits from refurbishment. Our decision engine analyzes repair costs against expected realization uplift to determine whether refurbishment will generate a positive return on investment.
Cost vs. Resale Analysis
We calculate exact repair costs for identified damage and compare against the difference between current condition value and post-repair value. Only repairs with a minimum 150% return ratio are recommended.
Factors considered include:
  • Parts availability and cost
  • Labour time and complexity
  • Expected market demand for the vehicle
  • Time to complete repairs vs. holding costs
Approval Workflow
Recommendations are presented to lenders through our platform with complete cost breakdowns and expected outcomes. You maintain full control over the decision to proceed.
1
AI Recommendation
System generates refurbishment proposal
2
Lender Review
Decision made through platform
3
Execution
Work completed if approved
4
Post-Work Valuation
Updated pricing provided

Outcome: Higher realization on vehicles where refurbishment is value-accretive, and no unnecessary spend on vehicles where repairs won't improve sale price.
Asset Maintenance Until Liquidation
Protect Value While You Wait for the Right Buyer
The period between recovery and final sale can extend for weeks or months. Without active maintenance, electric vehicles experience rapid value deterioration, particularly battery degradation. Our comprehensive maintenance program ensures assets remain in optimal condition throughout the liquidation process.
Periodic Charging Cycles
Batteries are charged to optimal storage levels (typically 60-80%) and maintained on regular cycles to prevent deep discharge damage that permanently reduces capacity.
Battery Conditioning
Monthly conditioning cycles ensure battery cells remain balanced and healthy, preventing the performance degradation that occurs with extended idle periods.
Regular Inspections
Physical and safety inspections are conducted weekly to identify any emerging issues such as tyre deflation, corrosion, or pest damage before they impact value.
Depreciation Alerts
Automated notifications when vehicles approach age or condition thresholds that will trigger significant value drops, enabling proactive liquidation decisions.
Liquidation Readiness & Sale Support
Faster Sale. Cleaner Exit.
When you're ready to liquidate, mCollect ensures every asset is sale-ready with complete documentation, final quality checks, and realistic pricing recommendations that accelerate buyer decisions.
Our liquidation readiness process transforms recovered EVs into retail-ready assets that command premium prices in the secondary market, whether through auction platforms, dealer networks, or direct sales.
Final Inspection Checklist
Comprehensive pre-sale verification covering mechanical, electrical, cosmetic, and documentation status to ensure buyer confidence.
Document-Ready Asset
All required paperwork organized and digitized: RC transfer documents, NOC, inspection reports, and valuation certificates.
Reserve Price Recommendation
Data-driven pricing guidance based on current market conditions, recent comparable sales, and asset-specific factors.
Auction Platform Integration
Seamless listing on major auction platforms or connection with our network of verified buyers and dealers across India.
Documentation & Compliance
Audit-Ready from Day One
Financial institutions face stringent regulatory requirements and regular audits of their recovery and liquidation processes. mCollect's platform generates comprehensive documentation at every stage, creating a complete digital audit trail that satisfies regulatory scrutiny and internal compliance standards.
Recovery Proof
GPS-tagged recovery confirmation with timestamp, location data, recovery agent details, and photographic evidence of vehicle condition at the point of collection. Digital signature from recovery agent and co-signature workflow if borrower is present.
Inspection & Valuation Reports
AI-generated inspection reports with annotated damage photographs, missing parts documentation, battery health diagnostics, and multi-scenario valuation certificates. All reports are digitally signed and timestamped with tamper-proof blockchain verification available on request.
Inventory & Handover Documents
Detailed inventory records tracking vehicle movement between recovery, yard storage, refurbishment facility, and final buyer. Chain of custody is maintained with digital signatures at each handover point.
Complete Digital Audit Trail
Every action taken on the platform is logged with user ID, timestamp, and before/after states. Audit reports can be generated instantly for internal reviews or regulatory submissions, with customizable date ranges and filtering options.
Why Choose mCollect?
Our Differentiation in the Market
mCollect isn't just another recovery vendor. We've built our entire operation around the unique requirements of electric vehicle asset management, combining specialized infrastructure, proprietary technology, and deep EV domain expertise.
EV-Specific Recovery Expertise
Our teams are trained specifically on 2W and 3W electric vehicles, understanding battery systems, motor controllers, and the technical nuances that traditional recovery agents miss.
Charging-Enabled Yards
Purpose-built storage facilities with adequate charging infrastructure in every operational city, ensuring battery health is actively maintained throughout storage.
AI-Driven Inspections
Proprietary computer vision technology trained on thousands of EV inspections delivers consistent, comprehensive damage assessment that human inspectors cannot match.
End-to-End Ownership
Single point of accountability from the moment a vehicle is recovered until final liquidation, eliminating coordination overhead and fragmentation.
Faster TAT & Higher Realization
Streamlined processes and value-preserving practices consistently deliver 30-40% faster turnaround and 15-25% better realization compared to traditional methods.
Compliance-First Operations
Built-in audit trails, regulatory reporting, and documentation standards ensure you're always ready for internal audits or regulatory scrutiny.
Who We Partner With
Serving the EV Financing Ecosystem
mCollect works with a diverse range of financial institutions and operators across the electric vehicle value chain. Our platform is designed to integrate seamlessly with existing loan management systems and workflows, regardless of institution size or technology stack.
We understand that each client has unique requirements, risk appetites, and operational preferences. Our engagement model is flexible enough to accommodate different volume commitments, geographic footprints, and service level expectations.
Banks & NBFCs
Traditional financial institutions financing 2W and 3W EVs through retail loan products, requiring robust recovery and liquidation infrastructure to manage NPAs.
Fintech Lenders
Digital-first lending platforms offering quick approvals and flexible repayment structures, who need scalable recovery solutions that match their tech-enabled approach.
EV OEMs
Vehicle manufacturers offering captive financing or battery-as-a-service models, who require specialized handling of their own brand assets during recovery and remarketing.
Leasing & Fleet Operators
Commercial fleet owners and leasing companies managing large volumes of 2W/3W EVs, who need efficient asset rotation and lifecycle management capabilities.
Measurable Business Impact
What Clients Achieve with mCollect
Our clients consistently report significant improvements across key performance metrics when they transition from traditional recovery vendors to the mCollect platform. These improvements translate directly to bottom-line impact through higher recoveries and lower operational costs.
30-40%
Reduction in Recovery-to-Sale Time
Streamlined processes eliminate delays between recovery, inspection, valuation, and liquidation, accelerating cash recovery and reducing holding costs.
15-25%
Improvement in Realization
Better asset maintenance, accurate valuation, and strategic refurbishment decisions result in significantly higher sale prices compared to traditional recovery methods.
100%
Visibility Across Asset Lifecycle
Real-time tracking and comprehensive reporting provide complete transparency from recovery through final sale, eliminating information gaps.
0
Documentation Gaps
Automated documentation at every stage ensures complete audit trails with zero missing paperwork, supporting compliance and reducing audit findings.
Beyond these quantifiable metrics, clients report improved operational efficiency, reduced disputes with borrowers, and greater confidence in their EV lending portfolios. The platform's transparency and compliance features have proven particularly valuable during regulatory audits and internal risk assessments.
Flexible Engagement Models
Pricing and Implementation Designed for Your Needs
mCollect offers flexible commercial structures that align with your volume, geographic footprint, and service requirements. We work with clients ranging from regional NBFCs handling dozens of monthly recoveries to national banks processing hundreds of EV repossessions across multiple states.
Implementation is phased to minimize operational disruption, with pilot programs available to demonstrate value before full-scale rollout.
Per-Vehicle Pricing
Simple, transparent pricing based on the number of vehicles recovered and liquidated. No setup fees or platform charges—you only pay for vehicles we handle. Pricing varies by vehicle type (2W vs. 3W) and service scope.
Volume-Based SLAs
For clients with predictable monthly volumes, we offer committed capacity arrangements with guaranteed turnaround times and preferential pricing. Volume tiers unlock additional benefits and priority access to yard space.
City / State-Wise Rollout
Begin with a pilot in one or two cities to validate the model, then expand systematically to additional geographies. We currently operate in major Indian metros and tier-2 cities with EV concentration.
Custom Integrations
API integrations with your loan management system, collection software, or auction platforms enable seamless data flow. We also support white-label implementations for large enterprise clients.
Detailed commercials and service level agreements are shared separately during business discussions, tailored to your specific requirements.
The Future of EV Asset Management
Building Tomorrow's Infrastructure Today
As India rapidly transitions to electric mobility, the financial services sector needs specialized recovery and liquidation infrastructure that understands the unique characteristics of electric assets. Battery technology, telematics integration, and over-the-air updates are transforming what it means to manage vehicle assets through their lifecycle.
Expanding Footprint
We're rapidly expanding our yard network across tier-2 and tier-3 cities where EV adoption is accelerating. Our goal is to provide charging-enabled storage within 50km of every major EV financing cluster.
Enhanced Intelligence
Our AI models are continuously learning from every inspection, improving accuracy and expanding to cover emerging EV models and new damage patterns as the market evolves.
Ecosystem Integration
We're building partnerships with OEMs, telematics providers, and auction platforms to create a seamless digital ecosystem for EV asset management from origination through end-of-life.
mCollect is positioned to be the infrastructure backbone for India's EV financing sector, providing the specialized capabilities that will be essential as electric vehicle penetration increases from single digits to mainstream adoption over the next five years.
Let's Transform Your EV Recovery Strategy
mCollect is not just a recovery vendor. We are your EV asset lifecycle partner.
Whether you're just beginning to finance electric vehicles or managing a large existing portfolio, mCollect provides the specialized infrastructure, technology, and expertise to maximize recovery values and minimize turnaround times.
Our platform delivers:
  • Charging-enabled yards that preserve battery value
  • AI-powered inspection and valuation accuracy
  • End-to-end visibility and documentation
  • Measurably better financial outcomes
  • Compliance-ready operations and audit trails
Ready to discuss how we can optimize your EV recovery and liquidation strategy?
Contact us today to schedule a platform demonstration or discuss a pilot program in your key markets. Let's work together to build the future of electric vehicle asset management.
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