CarDekho

What CarDekho does

CarDekho, operated by Girnar Software Private Limited and founded in 2006 in Jaipur, is India's largest automotive portal, providing a digital marketplace where consumers research, compare, and transact new and used cars. The platform combines a content-rich web property (cardekho.com) with mobile apps exceeding 10 million Android downloads and a 4.5-star rating, monetizing primarily through dealer lead generation (CPL), dealer subscriptions (Dealz), OEM/dealer advertising, and a Trustmark used-car certification programme covering 200+ quality checkpoints with a 180-day Engine & Transmission warranty. The technology stack includes AI-powered car search (AI Expert), EMI calculators, Connected Cars IoT telematics, and Oracle cloud ERP.

The group has diversified beyond classifieds into a vertically integrated auto-fintech platform. Rupyy, the motor-finance arm, operates a digital lending marketplace with 18,000+ distributors and 43,000+ channel partners covering 95%+ of India's pin codes, facilitating annualized loan disbursements of approximately ₹25,000 crore (FY26). InsuranceDekho distributes motor insurance and is merging with RenewBuy into Artivatic Data Labs under CCI approval (November 2025). Revv (majority stake acquired December 2023) provides self-drive car rentals, while Carrum — backed by CarDekho Group — operates 3,000+ CNG-first vehicles serving Uber Black fleets across five Tier-1 Indian cities. Other subsidiaries include BikeDekho, Gaadi, Zigwheels, and an edtech investment in CollegeDekho ($10M, December 2025).

Internationally, CarDekho has expanded into Southeast Asia through CarDekho SEA (Singapore HQ, $60M raised from Navis Capital and Dragon Fund at a $300M+ valuation) and entered the UAE in February 2025 via a Raya Holdings partnership. The company reported FY24 revenue of approximately ₹2,250 crore (~$270M) with a group loss of ~₹340 crore, achieved a $1.2B valuation post its $250M Series E (October 2021), and is in early-stage IPO preparation targeting a listing within 12–18 months. Strategic partnerships span HDFC Bank (used-car financing), Uber (fleet), Beams/MUFG/BNP Paribas Cardif (InsuranceDekho), Girnar AI (voicebots/chatbots), and BiUP Technologies (AI/ML credit risk).

Name

CarDekho

Legal name

Girnar Software Private Limited

Website

https://cardekho.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

CarDekho is India's largest auto portal, operating a digital marketplace for new and used car research, transactions, financing (Rupyy), insurance (InsuranceDekho), rentals (Revv), and fleet services (Carrum), serving Indian consumers, dealers, OEMs, lenders, and insurers with 10M+ app downloads.

Ownership category

akta.pro rank

Product category

Automotive Marketplace

NAICS

Passenger Car Rental (532111)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Automotive Parts & Mobility Recommerce (Parts, Accessories, Bikes/Scooters) (CRAFAGAI)

Keywords

• Automotive marketplace platform
• Used car classifieds
• Auto loan origination
• Vehicle comparison portal
• Insurance distribution platform

Headquarters

HQ city

Gurugram

HQ country

India

HQ region

Asia

Offices6 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations

Revenue model

1. Dealer Lead Generation & Subscription: CarDekho generates leads from car buyers (new and used) and sells these qualified leads to authorized dealers. Dealers also subscribe to listing services (Dealz subscription) to showcase inventory to a broader audience. Revenue is earned per lead and/or through recurring subscription fees from dealer partners.
2. Advertising & Promotional Services: OEMs, dealers, and insurance providers advertise on the CarDekho platform to reach a large audience of in-market car buyers. Revenue is generated through display ads, featured listings, and promotional content placements.
3. Rupyy - Motor Finance & Lending: Rupyy operates as a digital lending marketplace and loan aggregator. It earns referral fees and commissions from financial institutions (banks, NBFCs) for facilitating auto loans. In FY26, Rupyy facilitated annualized loan disbursements of approximately ₹25,000 crore. The platform has processed over ₹64,423 crore through collaborations with more than 43,000 channel partners.
4. InsuranceDekho - Insurance Distribution: InsuranceDekho, the insurtech arm, earns commissions by distributing motor and other insurance products from insurance carriers to car buyers on the platform. It raised $70 million co-led by Beams, MUFG, and BNP Paribas Cardif. InsuranceDekho and RenewBuy are merging into Artivatic Data Labs (CCI approved November 2025).
5. Revv - Self-Drive Car Rental: CarDekho acquired a majority stake in Revv, a self-drive rental startup in December 2023, to expand into shared mobility. Revenue is generated through vehicle rental fees from consumers preferring flexible transportation options.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels6 records

Core offering

CarDekho operates an automotive marketplace platform that enables Indian consumers to research, compare, and connect with dealers for new and used cars, offering listings, expert reviews, EMI calculators, dealer discovery, and EV charging station locators. The platform is complemented by subsidiary offerings spanning motor finance (Rupyy), insurance distribution (InsuranceDekho), self-drive rentals (Revv), fleet management (Carrum), and used car certification (Trustmark), creating an end-to-end vehicle ownership ecosystem.

Product overview

CarDekho operates as a comprehensive automotive marketplace platform consisting of the core CarDekho portal for new and used car transactions, supplemented by vertical-specific sub-brands (BikeDekho for two-wheelers), financial services (Rupyy for auto loans, InsuranceDekho for insurance), and adjacent services (Revv for car subscriptions, Carrum for fleet management). The platform also offers utility features including EMI calculators, fuel price tracking, EV charging station finder, and Connected Cars telematics services. CarDekho Group has expanded internationally into UAE and Southeast Asia, and maintains an edtech investment (CollegeDekho) as part of its diversified portfolio.

Differentiator

Problem solved

Functional benefit

Brands

• Gaadi: Automotive marketplace platform for new and used cars
• Zigwheels
• Trustmark
• CarDekho Connected Cars
• CarDekho Gaadi Store

Products and services

• CarDekho Marketplace India's #1 auto portal providing an online marketplace where consumers can browse new and used car listings, compare models, access expert reviews, calculate EMIs, find dealers, and locate EV charging stations and fuel stations across India.
• BikeDekho Sister platform for two-wheeler buying and selling, extending CarDekho's marketplace model to motorcycles and bicycles.
• Rupyy Digital lending platform and loan aggregator facilitating auto loans across 95%+ of India's pin codes through 18,000+ distributors and 43,000+ channel partners. Processed over ₹64,423 crore in loan disbursements cumulatively, with annualized disbursements of approximately ₹25,000 crore in FY26.
• InsuranceDekho AI-driven insurance distribution platform that helps car buyers compare and purchase motor and general insurance products from multiple carriers. Raised $70 million co-led by Beams, MUFG, and BNP Paribas Cardif.
• Revv Self-drive car rental platform offering flexible car rental subscriptions for consumers preferring not to own vehicles, accessible via its own app and website.
• Carrum Mobility Solutions B2B fleet management and clean mobility platform providing CNG/EV fleet operations to ride-hailing platforms including Uber, with annualized revenue run rate of Rs 300 crore.
• Gaadi Additional automotive marketplace brand under CarDekho Group for new and used car transactions.
• Zigwheels Automotive content and marketplace platform providing expert reviews, news, and vehicle listings within the CarDekho Group portfolio.
• Trustmark Certification Proprietary used car certification programme covering 200+ quality checkpoints with 180-day Engine & Transmission limited warranty and 7 Day Shield coverage on certified pre-owned vehicles. Token fees apply: ₹5,000 for cars under ₹1 lakh, ₹10,000 for ₹1–5 lakh, ₹20,000 above ₹5 lakh.
• CarDekho Connected Cars Subscription-based IoT telematics service providing live vehicle tracking, remote ignition control, driver behaviour monitoring, and emergency assistance through a SIM-enabled device installed in the car, with technical support for 3 years.

Quantifiable outcome

• ₹25,000 crore annualized loan disbursements facilitated through Rupyy in FY26
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability11 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core, minor and regional.

• Sumit Singla (Rupyy CEO)coreOthers · 12 May 2026CarDekho Group appointed Sumit Singla as CEO of Rupyy (motor finance fintech), succeeding co-founder Namit Jain after over 11 years. Singla brings 15+ years of experience from IndusInd Bank, Bharti Group, Mastercard, and Bain & Company, to lead Rupyy's digital lending growth strategy.
• CollegeDekhominorStrategic or Co-development Partner · 19 January 2026CarDekho Group invested $10 million in edtech startup CollegeDekho, appointing Tapan Jindal (with over 20 years of experience with startups and listed companies) as CFO. CollegeDekho is based in Gurugram and the investment is part of CarDekho's strategy to diversify into adjacent verticals beyond automotive.
• CCI (Artivatic Data Labs Merger)coreStrategic or Co-development Partner · 7 November 2025The Competition Commission of India (CCI) approved the merger of four Girnar group entities (including CarDekho and InsuranceDekho) into Artivatic Data Labs. This corporate restructuring merges InsuranceDekho and RenewBuy into Artivatic, with InsuranceDekho posting a net loss of Rs 47.49 crore in FY25 after swinging from a Rs 85.71 crore profit in FY24.
• Raya HoldingsregionalStrategic or Co-development Partner · 26 February 2025CarDekho Group entered the UAE market in February 2025 through a partnership with Raya Holdings, bringing its auto-tech ecosystem to the Middle East region. This marks CarDekho's first major international market entry outside Southeast Asia.
• Girnar AIcoreTechnology or Integration · 24 September 2024CarDekho partnered with Girnar AI to develop voicebot and chatbot solutions leveraging artificial intelligence for enhanced customer engagement, query resolution, and car buying assistance on the platform.
• BiUP TechnologiescoreTechnology or Integration · 28 August 2024CarDekho Group partnered with SaaS platform BiUP Technologies to drive AI-powered mobility solutions, integrating advanced AI and machine learning capabilities for credit risk management and digital lending automation within Rupyy's financial services ecosystem.

Scale indicators9 records

Recent moves9 records

Expansion highlights8 records

Direct peers

• Spinny: Spinny is a full-stack used-car retailer in India offering inspection, certification, warranties, and financing — directly competing with CarDekho's Trustmark-certified used-car funnel and dealer partner network.
• Cars24: Cars24 is a leading Indian used-car marketplace and 'phygital' retailer. It directly competes with CarDekho's used-car listings, Trustmark-style inspection, and dealer/consumer lead flows, and operates in adjacent financing and OEM services.
• Droom: Droom is an Indian online automobile marketplace for new and used vehicles, with services including vehicle inspection, financing, and insurance — overlapping CarDekho's classifieds and ancillary services.
• CarTrade Tech: CarTrade Tech is India's leading automotive digital marketplace (new and used cars, dealer management, finance). It is the closest direct peer to CarDekho, serving the same OEM/dealer and consumer segments with a comparable classifieds-plus-fintech model; the two companies explored a $1.2B consolidation deal in 2025.
• OLX India (CarWale abCircle): OLX India operates a general classifieds marketplace with a strong used-vehicles vertical; it competes directly with CarDekho for consumer listings and dealer lead generation.
• BikeWale: BikeWalle is India's leading two-wheeler information and marketplace platform, comparable to CarDekho's BikeDekho sub-brand in audience, content library, and dealer lead generation for two-wheelers.

Broad incumbents

• Cars.com: Cars.com is a major US automotive marketplace platform connecting car shoppers with dealers; comparable to CarDekho in marketplace monetization (lead fees, dealer subscriptions, advertising) at a larger, more mature scale.
• AutoTrader: AutoTrader is the largest UK-based automotive marketplace (with global reach including India in past). It is a broad incumbent that pioneered the dealer subscription + consumer portal model CarDekho follows.
• CarGurus: CarGurus is a leading global online automotive marketplace with strong dealer-subscription economics and a transparent pricing/deal-rating feature set — comparable to CarDekho's dealer lead/subscription model.

Emerging players

• PolicyBazaar (PB Fintech): PolicyBazaar is India's largest insurance aggregator and fintech platform; comparable to CarDekho's InsuranceDekho subsidiary in insurance distribution model, technology, and target customers (digital-first insurance buyers).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CarDekho
• YouTubeyoutube.com/channel/UCMSjsvDuobchFSw5U1SDaqg
• Facebookfacebook.com/179167414600
• LinkedInlinkedin.com/company/cardekho
• Instagraminstagram.com/cardekhoindia

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries7 records

Funding overview

Funding rounds11 records

Investors23 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CarDekho