ONE FINANCIAL PARTNER
FOR EVERY CYCLE OF LIFE

ONE FINANCIAL PARTNER
FOR EVERY CYCLE OF LIFE

ONE FINANCIAL
PARTNER FOR EVERY
CYCLE OF LIFE

GET IN TOUCH

GET IN TOUCH

GET IN TOUCH

About US

Exponent One is a 360° adaptive financing and asset management platform for electric commercial vehicles.

We help driver-owners and fleet operators adopt and operate EVs through financing aligned to real earnings and real usage, rather than fixed assumptions.

Built on the energy intelligence of Exponent Energy’s charging ecosystem, Exponent One supports the entire lifecycle of owning, earning, and upgrading an electric vehicle by providing Access to viable financing, Assurance against life’s volatility and Aspiration to grow and upgrade. Financing, protection, payments, asset management, and resale are integrated into a single adaptive system, aligned to how driver-owners actually operate in the real world.

About US

Exponent One is a 360° adaptive financing and asset management platform for electric commercial vehicles.

We help driver-owners and fleet operators adopt and operate EVs through financing aligned to real earnings and real usage, rather than fixed assumptions.

Built on the energy intelligence of Exponent Energy’s charging ecosystem, Exponent One supports the entire lifecycle of owning, earning, and upgrading an electric vehicle by providing Access to viable financing, Assurance against life’s volatility and Aspiration to grow and upgrade. Financing, protection, payments, asset management, and resale are integrated into a single adaptive system, aligned to how driver-owners actually operate in the real world.

OUR THREE PILLARS

ACCESS

EV Finance

Zero Downpayment | Fastest approval  

Limited documentation | Digital process 

Tokenised EMI | Flexible terms

ACCESS

EV Finance

Zero Downpayment | Fastest approval  

Limited documentation | Digital process 

Tokenised EMI | Flexible terms

ACCESS

EV Finance

Zero Downpayment | Fastest approval  

Limited documentation | Digital process 

Tokenised EMI | Flexible terms

Assure

Kavach

Assured BUYBACK for your Exponent powered EV 

360 degree insurance - Vehicle, Battery, Health, EMI and Accident Protect

Assure

Kavach

Assured BUYBACK for your Exponent powered EV 

360 degree insurance - Vehicle, Battery, Health, EMI and Accident Protect

Assure

Kavach

Assured BUYBACK for your Exponent powered EV 

360 degree insurance - Vehicle, Battery, Health, EMI and Accident Protect

Aspire

Lakshya

Savings platform for a secured future

Top up loans for additional vehicle or other business needs

Aspire

Lakshya

Savings platform for a secured future

Top up loans for additional vehicle or other business needs

Aspire

Lakshya

Savings platform for a secured future

Top up loans for additional vehicle or other business needs

Why this
matters

Commercial vehicle financing in India has largely evolved around traditional asset-backed lending and leasing models, where familiarity and predictability of the asset determine the ability to finance it. These frameworks were not designed for commercial mobility, where vehicles are productive assets and operations vary day to day.

Electric commercial vehicles add a further challenge. Unlike internal combustion vehicles, they have limited historical data and a nascent secondary market, making residual value difficult to assess and increasing perceived risk for lenders.

Commercial vehicle financing in India has largely evolved around traditional asset-backed lending and leasing models, where familiarity and predictability of the asset determine the ability to finance it. These frameworks were not designed for commercial mobility, where vehicles are productive assets and operations vary day to day.

Electric commercial vehicles add a further challenge. Unlike internal combustion vehicles, they have limited historical data and a nascent secondary market, making residual value difficult to assess and increasing perceived risk for lenders.

Additionally, most driver-owners and small fleet operators earn daily and face fluctuating demand. Fixed monthly repayment structures do not reflect how they operate. With limited financial buffers, any disruption: technical, personal, or market-driven - can quickly translate into financial stress. Electric commercial vehicles therefore require financing designed for how they operate and earn in the real world.

Exponent One was created to address this - aligning financing with real vehicle usage and real earnings so EV ownership becomes viable for operators and dependable for lenders.

Why this
matters

Commercial vehicle financing in India has largely evolved around traditional asset-backed lending and leasing models, where familiarity and predictability of the asset determine the ability to finance it. These frameworks were not designed for commercial mobility, where vehicles are productive assets and operations vary day to day.

Electric commercial vehicles add a further challenge. Unlike internal combustion vehicles, they have limited historical data and a nascent secondary market, making residual value difficult to assess and increasing perceived risk for lenders.

Additionally, most driver-owners and small fleet operators earn daily and face fluctuating demand. Fixed monthly repayment structures do not reflect how they operate. With limited financial buffers, any disruption: technical, personal, or market-driven - can quickly translate into financial stress. Electric commercial vehicles therefore require financing designed for how they operate and earn in the real world.

Exponent One was created to address this - aligning financing with real vehicle usage and real earnings so EV ownership becomes viable for operators and dependable for lenders.

PREPARE TOGETHER,
PROGRESS TOGETHER

Our Mission

To make Commercial EV ownership stress-free and steady through adaptive finance that prepares, protects, and empowers driver owners at every turn of life.

Our Mission

To make Commercial EV ownership stress-free and steady through adaptive finance that prepares, protects, and empowers driver owners at every turn of life.

Our Vision

To foster an e-mobility community that feels in control and confident, no matter what life throws their way, where every vehicle, every earning cycle, and every decision moves smoothly, together.

Our Vision

To foster an e-mobility community that feels in control and confident, no matter what life throws their way, where every vehicle, every earning cycle, and every decision moves smoothly, together.

Our PROMISE

Adaptive financial products designed for every cycle of life — giving you confidence to move forward.

We don’t just lend.

We guide commercial EV customers through every phase of EV ownership — from first access to renewal, from earning stability to long-term upgrade. That’s how we make EV ownership stress-free and sustainable.

We merge asset lifecycle intelligence with behavioural design to create financial systems that evolve in real time. From predictive underwriting to adaptive repayments, everything we build is meant to learn and respond — not just record. Our tech stack powers smarter finance, while our people ensure every interaction feels human and grounded.

Our PROMISE

Adaptive financial products designed for every cycle of life — giving you confidence to move forward.

We don’t just lend.

We guide commercial EV customers through every phase of EV ownership — from first access to renewal, from earning stability to long-term upgrade. That’s how we make EV ownership stress-free and sustainable.

We merge asset lifecycle intelligence with behavioural design to create financial systems that evolve in real time. From predictive underwriting to adaptive repayments, everything we build is meant to learn and respond — not just record. Our tech stack powers smarter finance, while our people ensure every interaction feels human and grounded.

THE TEAM

The people behind Exponent One come from the streets, screens, and spreadsheets of India’s mobility ecosystem.
Some built tech stacks. Some ran field ops. All share one rhythm — to see early, act with intent, and stay steady.

The people behind ChakraOne come from the streets, screens, and spreadsheets of India’s mobility ecosystem.

Some built tech stacks. Some ran field ops. All share one rhythm — to see early, act with intent, and stay steady.

The people behind ChakraOne come from the streets, screens, and spreadsheets of India’s mobility ecosystem.

Some built tech stacks. Some ran field ops. All share one rhythm — to see early, act with intent, and stay steady.

We’re product thinkers, risk modelers, data scientists, and field mentors — working as one system around the driver.

Founder & CEO

Sandeep Divakaran

CRO

Dennies Vargheese

Founder & CEO

Sandeep Divakaran

CRO

Dennies Vargheese

Founder & CEO

Sandeep Divakaran

CRO

Dennies Vargheese

JOIN THE
CIRCLE

JOIN THE CIRCLE

REACH OUT

Who we are

It’s not all spreadsheets and sprints.
We pause to learn from the road, share stories from the field, and remind each other why we’re here.
We host “Steady Sessions” — short weekly huddles where we discuss small wins, field insights, and lessons learned.

We end the week not with applause, but with gratitude.
Because progress that lasts starts quiet.

Who thrives here

  • Care more about clarity than cleverness.

  • Prefer quiet confidence to loud ambition.

  • Value steady improvement over sudden spikes.

  • Believe in preparation over perfection.

  • Think in systems, but act with empathy.

OUR ESG PLEDGE:

OUR ESG PLEDGE:

Driving a sustainable future

Driving a sustainable future

At Exponent One, we believe that financing the future must go hand-in-hand with protecting it. Our mission is not just to accelerate the adoption of electric mobility — it’s to ensure that every kilometre financed contributes to a cleaner, fairer, and more transparent world.

At Exponent One, we believe that financing the future must go hand-in-hand with protecting it. Our mission is not just to accelerate the adoption of electric mobility — it’s to ensure that every kilometre financed contributes to a cleaner, fairer, and more transparent world.

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Environmental commitment

We commit to enable financing only sustainable mobility solutions that reduce carbon emissions and improve urban air quality.

We actively promote circular economy practices — including battery recycling and responsible end-of-life vehicle management.

We will measure, monitor, and publish the CO₂ reduction enabled by our financing every year.

Social Responsibility

We are building inclusive financial access for India’s driver-entrepreneurs, small fleet owners, and last-mile operators.

We pledge to extend affordable, transparent financing and also create a platform that protects them from vagaries in the financials and also help build for their aspirations 

We will ensure fair treatment and responsible lending practices for every borrower.

Governance & Ethics

We uphold the highest standards of data privacy, compliance, and ethical AI in credit decisions.

Our governance model promotes transparency, diversity and accountability at every level.

ESG metrics are embedded into our leadership KPIs and business scorecards.