The bet · tiers

Four tiers, and who pays for each

Owners pay for actions, not dashboards; lending partners pay for the free tier.

Prototype, simulated dataSharma Roadlines and its 24 trucks are simulated. Research figures are marked unverified until each page is opened and quoted.

The four tiers

per truck per month

On a narrow screen the table scrolls sideways.

Four tiers: price, what each adds, and who pays
	Free	Munshi	Pro	Autopilot
Price	₹0per truck per month	₹299per truck per month	₹499per truck per month	₹799per truck per month
What it adds	L1 Morning brief on WhatsApp Flags with evidence Ask Urja about any truck or trip	L1–L2 and the daily close Everything in Free The daily close: each truck's books reconciled every morning Ask the driver about a flag Hold the fuel card when a flag is Likely or High Recover from settlement when a flag is High or confirmed	Adds L3 and benchmarks vs similar fleets Everything in Munshi Corrective SOPs: block a pump, set a route diesel norm, a night-stop rule Benchmarks against similar fleets	Adds L4 guardrails Everything in Pro Guardrails: auto-hold a driver advance above ₹2,000 when the flag is High and at least 2 independent families agree One-tap owner override on every guardrail
Autonomy it unlocks	L1 · Insight	L2 · Deterministic action	L3 · Corrective SOP	L4 · Guardrail
Cost to serve	₹78	₹78	₹78	₹78
Margin	−₹78	₹22174%	₹42184%	₹72190%
Share of recovered ₹Simulated	None	30% of recovered ₹	50% of recovered ₹	80% of recovered ₹
Against our spend estimate	Free to the owner	Within our ₹150–300 spend estimate	Above our ₹150–300 spend estimate: priced on actions	Above our ₹150–300 spend estimate: priced on actions
Against the software entry tier	Free to the owner	Below the ₹300–600 fleet-software entry tier	Within the ₹300–600 fleet-software entry tier	Above the ₹300–600 fleet-software entry tier
Who pays	Lending partners, through referral fees	The owner	The owner	The owner
Price basis	Assumption	Assumption	Assumption	Assumption

No new hardware: SuprFleet would read the AIS-140 device or OEM telematics a truck already has, plus FASTag, e-way bills and photographed fuel bills. Assumption Our design (bet-spec §7). It holds only for trucks that already carry a tracker or OEM telematics: AIS-140 is mandated on national-permit goods carriers registered from 1 Jan 2019, and enforcement is uneven (research report §7.3). Bill OCR is simulated in this prototype.
The rails already exist: AIS-140 tracking is mandated on national-permit goods carriers registered from 1 January 2019, Tata Motors has connected 5 lakh commercial vehicles to Fleet Edge, more than 98% of national-highway toll fees go through FASTag, and e-way bills hit about 140 million in March 2026. [1]Source 1: Central Motor Vehicles Rules, Rule 125H: vehicle location tracking devices [2]Source 2: Tata Motors connects 5,00,000 commercial vehicles with Fleet Edge [3]Source 3: FASTag accounts for over 98 percent of toll collection on national highways [4]Source 4: E-way bills surge to an all-time high of 140.6 million in Marchunverified
Fuel-level sensors are listed at ₹8,000–12,500, and fuel-tracking software at ₹400–750 a month. [5]Source 5: Fuel-level sensor listings (Algotrack, Melta and generic GPS fuel sensors)unverified

Why these prices

Our spend estimate ₹150–300
Software entry tier ₹300–600
Cost to serve ₹78
Recovered ₹1,000
Tier price

Every paid tier is priced above the ₹78 cost to serve and below the ₹1,000 recovered per truck a month on the simulated fleet. Munshi (₹299) sits within our ₹150–300 spend estimate; Pro (₹499) and Autopilot (₹799) sit above it. Free (₹0) runs below cost, paid for by referral fees.

SimulatedRecovered per truck per month on the simulated fleet: ₹21,600 recovered 1–27 Sep ÷ 24 trucks, scaled to 30 days.

What the prices are anchored on

A small owner already spends about ₹150–300 per truck a month on a GPS plan and a khata app. Assumption Our estimate from listed prices (a LocoNav tracker, a WheelsEye tracker with a year's plan, TransportBook's premium khata plan), spread over a year and a small fleet's trucks; not a measured spend (research report §8).
Listed prices: a LocoNav wired GPS tracker at ₹2,184, a WheelsEye truck GPS with a 1-year plan at ₹3,850, and TransportBook's premium plan at ₹4,999 a year. [6]Source 6: India's best selling GPS trackers [7]Source 7: WheelsEye GPS tracking device for trucks, with a 1-year subscription [8]Source 8: TransportBook: the transport business app and its premium planunverified
Fleet software's entry tier typically costs ₹300–600 per vehicle a month. [9]Source 9: Fleet management software: the 2026 buyer's playbookunverified

Cost to serve one truck

₹78

Cost to serve one truck for a month, line by line
Line	Per month	Basis
WhatsApp utility messages (~30 a month)	₹4	A WhatsApp utility message costs ₹0.145 per message delivered. [10]Source 10: WhatsApp API new pricing updateunverified About 30 utility messages per truck a month, so about ₹4 per truck. Assumption One morning brief a day per truck (bet-spec §7). Messages inside a 24-hour window the owner opens may be free, so this may be lower (research report §11).
LLM (Gemini Flash, ~40 answers)	₹15	The LLM costs about ₹15 per truck a month. Assumption About 40 Gemini Flash answers per truck a month, briefs included (bet-spec §7).
Ingestion, storage and compute	₹25	Ingesting, storing and reconciling one truck's telemetry, tolls and bills costs about ₹25 a month. Assumption Our estimate for one truck's telemetry, FASTag and e-way-bill streams on commodity cloud (bet-spec §7).
Bill OCR (~20 bills)	₹4	Reading about 20 bills a month costs about ₹4 per truck. Assumption About 20 fuel and toll bills per truck a month at per-page OCR rates (bet-spec §7).
Support, amortised	₹30	Support costs about ₹30 per truck a month. Assumption Hindi phone and WhatsApp support amortised across a small fleet's trucks (bet-spec §7).
Total	₹78

Who pays

Owner

Munshi, Pro and Autopilot: ₹299–799 per truck per month

Funds Munshi, Pro and Autopilot

Munshi costs ₹299 per truck per month. Assumption Set against our ₹150–300 spend estimate and the ₹300–600 software entry tier; untested with owners (bet-spec §7).
Pro costs ₹499 per truck per month. Assumption Set against our ₹150–300 spend estimate and the ₹300–600 software entry tier; untested with owners (bet-spec §7).
Autopilot costs ₹799 per truck per month. Assumption Set against our ₹150–300 spend estimate and the ₹300–600 software entry tier; untested with owners (bet-spec §7).

Lending partner

A referral fee of 0.5–1.5% of each consented, funded loan

Funds Free

Free costs the owner nothing; referral fees on consented loans pay for it once a lender signs, and the paid tiers and pilot budget until then. Assumption The referral fee below, whose payout ranges are unverified (bet-spec §7).
SuprFleet would act as a referral or lending-service partner, a role we expect the RBI's Digital Lending Directions, 2025 to regulate. Assumption Our reading of secondary summaries (research report §7.4). The snippet we hold records only that the Directions, dated 8 May 2025, replaced the 2022 guidelines; their text has not been read or reviewed by counsel.
A lending partner pays a referral fee of 0.5–1.5% of each funded loan. Assumption DSA payout ranges vary and are unverified (bet-spec §7).

Assumption: the owner consents before any data is shared, recorded under the DPDP Act and carried by an Account Aggregator where one can carry the data, under the RBI's Digital Lending Directions, 2025

Account Aggregators had fulfilled 28.9 crore consents by 31 July 2025, and ₹1.67 lakh crore was disbursed via AA in FY25. [11]Source 11: Strategies to boost AA success rates [12]Source 12: Account aggregators facilitating loan disbursement worth Rs 4,000 cr a month: reportunverified
The RBI's Digital Lending Directions, 2025, dated 8 May 2025, replaced the 2022 digital-lending guidelines. [13]Source 13: Guidelines on Digital Lending, superseded by the Reserve Bank of India (Digital Lending) Directions, 2025unverified
The DPDP Rules, 2025 were notified in Nov 2025: consent-manager registration starts 12 months later, and most of the other Rules 18 months later. [14]Source 14: Digital Personal Data Protection Rules, 2025 notifiedunverified
Cyril Amarchand Mangaldas reads the draft DPDP Rules as giving Account Aggregators an opportunity to act as 'white-label' consent managers. [15]Source 15: FIG Paper No. 40: draft DPDP Rules, implications for financial servicesunverified
SuprFleet would share an owner's ledger with a lender only after the owner consents, would record that consent under the DPDP Act, 2023, and would use an Account Aggregator where one can carry the data. Assumption Our design for the consent flow in the first NBFC lending partnership (bet-spec §10: consent flow, AA/DPDP); not built, and not yet reviewed by counsel.

What one referral fee buys

₹10 lakhOne used-truck loan
₹5,000–15,000Referral fee at 0.5–1.5%
5–16 yearsYears of Free on that truck, at ₹936 a year

One ₹10 lakh used-truck loan pays ₹5,000–15,000 in referral fees, which covers 5–16 years of Free on that truck (₹936 a year).

An example used-truck loan of ₹10 lakh. Assumption An illustrative ticket size for a used truck bought by a small owner (bet-spec §7).

Sources

Unverified sources were found through search results and have not yet been opened and quoted; treat their figures as leads.

Central Motor Vehicles Rules, Rule 125H: vehicle location tracking devicesTransport Department, Government of Tripura · 2018Unverified
Tata Motors connects 5,00,000 commercial vehicles with Fleet EdgeMobility Outlook · 2024Unverified
FASTag accounts for over 98 percent of toll collection on national highwaysTimes Drive, citing MoRTH · 2025Unverified
E-way bills surge to an all-time high of 140.6 million in MarchIANS · Apr 2026Unverified
Fuel-level sensor listings (Algotrack, Melta and generic GPS fuel sensors)IndiaMART · undatedUnverified
India's best selling GPS trackersLocoNav · undatedUnverified
WheelsEye GPS tracking device for trucks, with a 1-year subscriptionFlipkart · undatedUnverified
TransportBook: the transport business app and its premium planTransportBook · undatedUnverified
Fleet management software: the 2026 buyer's playbookFleetx blog · 2026Unverified
WhatsApp API new pricing updateAiSensy · Jan 2026Unverified
Strategies to boost AA success ratesSahamati · Sep 2025Unverified
Account aggregators facilitating loan disbursement worth Rs 4,000 cr a month: reportDT Next · 2025Unverified
Guidelines on Digital Lending, superseded by the Reserve Bank of India (Digital Lending) Directions, 2025Reserve Bank of India · 8 May 2025Unverified
Digital Personal Data Protection Rules, 2025 notifiedMondaq · Nov 2025Unverified
FIG Paper No. 40: draft DPDP Rules, implications for financial servicesCyril Amarchand Mangaldas · Jan 2025Unverified