Vertex Lab runs 200+ vehicles — hatchbacks, sedans, compact SUVs, full-size SUVs, CNG, and EVs — each carrying a verified condition report and a locked on-road price before you walk the floor. Loan options from 15 lending partners, RTO filing done internally, insurance active on collection day. No number changes at the billing counter.
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Walk in with a budget and requirements — leave with a registered vehicle the same week.
City commute, highway runs, family of five, or first car — we map your daily use pattern to body type and fuel variant before showing you anything on the floor.
We pull three to five matched vehicles and take you through condition reports, fuel economy data, and boot-versus-cabin space trade-offs. Test routes are designed to cover Mumbai's stop-start traffic and flyover acceleration — not a closed circuit.
Once you've chosen, we freeze the on-road price in writing, open loan applications across lenders simultaneously, and present you with a signed offer sheet within 24 hours of document submission.
We file RTO paperwork, activate insurance, and hand over keys, RC acknowledgement, warranty card, and service book in a single handover appointment — typically within four to five working days of payment.
Real examples from recent sales across different budgets and body types.
Buyer needed a third row for school runs and a weekend highway car. We matched them to a pre-owned full-size diesel SUV with 28,000 km on the clock, full service history, and a clean ownership trace. Loan approved through HDFC at 8.9% for 60 months; delivered in four working days.
First-time buyer with a salaried income of ₹35,000/month. We ran loan options across five NBFCs and secured 90% funding at 9.4% over 48 months. Factory-fresh unit with three-year manufacturer warranty; RTO registration completed in three days.
Buyer clocking 2,800 km monthly wanted to cut fuel costs. We pulled three CNG sedans with under 40,000 km, ran a cylinder pressure test and sequential injection system check on each. They chose one, traded in their existing hatchback at ₹2.3 lakh buyback, and financed the balance.
Buyer converting from petrol after installing a home wallbox. We provided a SOH report showing 93% battery capacity, confirmed 310 km WLTP range, and structured the purchase to capture available state subsidy. Insurance activated with a zero-depreciation EV rider on delivery day.
A logistics firm needed three executive sedans registered under company PAN. We handled commercial vehicle registration paperwork, coordinated GST input credit documentation, and arranged fleet insurance with a single policy covering all three units.
Unscripted responses from customers who bought through Vertex Lab.
“I came in expecting the price to jump once they added registration and insurance. It didn't — the on-road quote they gave me on day one was exactly what I signed for. The RC tracking link was a nice touch too; I knew where the document was without calling anyone.”
“The battery health report on the EV I bought was printed, not just a verbal assurance. 93% SOH, tested on their own diagnostic port — that gave me actual confidence. Delivery took four days, insurance was ready on pickup.”
“My old car had an outstanding loan and I wasn't sure the trade-in would work. Vertex Lab's finance desk handled the NOC coordination with my old lender, deducted the buyback value upfront, and structured a clean new loan on the balance. No confusion, no waiting.”
No third parties, no chasing paperwork — Vertex Lab handles the full purchase cycle under one roof.
Every pre-owned vehicle goes through a 120-point check covering engine compression, brake wear, suspension geometry, and panel gap consistency before it enters the lot. The full report is printed and handed to you before the conversation about price begins.
We run a registered RTO ownership history check and confirm there are no active hypothecation entries or court orders against the vehicle. Clean title is a prerequisite for listing — not something checked after you express interest.
Our in-house finance desk runs parallel applications across banks and NBFCs simultaneously — HDFC, Axis, Kotak, Tata Capital, Mahindra Finance, and others — so you see competing offers side by side before choosing a tenure and rate.
Every listing at Vertex Lab includes ex-showroom price, GST, road tax per Maharashtra slab, handling charges, and first-year insurance — totalled before you ask. No surprise line items appear at the registration counter.
We file registration documents with the regional transport office on the day you pay and send you status updates at each stage — application submission, approval, and RC dispatch — until the card lands at your door.
Electric vehicles on our lot are tested using OBD diagnostics to produce a State of Health percentage reflecting usable cell capacity versus factory spec. Any EV under 88% SOH is either reconditioned or removed from sale.
If you're deciding between a compact SUV and a midsize sedan — or between CNG and petrol based on your annual mileage — our advisors run a cost-of-ownership projection covering fuel, servicing intervals, and insurance class before you test drive anything.
We coordinate with three general insurers to issue a confirmed policy — comprehensive or third-party — timed to the hour you take delivery, so the vehicle is covered from the moment it leaves our forecourt.
Bring your current car in for a physical appraisal — we assess age, variant, mileage, service history, and market demand for that body type in Mumbai, then present a written buyback figure you can apply directly against your next purchase.
From self-directed buying to a fully managed purchase with concierge delivery.
City commute, highway runs, family of five, or first car — we map your daily use pattern to body type and fuel variant before showing you anything on the floor.
We pull three to five matched vehicles and take you through condition reports, fuel economy data, and boot-versus-cabin space trade-offs. Test routes are designed to cover Mumbai's stop-start traffic and flyover acceleration — not a closed circuit.
Once you've chosen, we freeze the on-road price in writing, open loan applications across lenders simultaneously, and present you with a signed offer sheet within 24 hours of document submission.
We file RTO paperwork, activate insurance, and hand over keys, RC acknowledgement, warranty card, and service book in a single handover appointment — typically within four to five working days of payment.
Straight answers — no sales language, no deflection.
Commercial registration requires the company's PAN card, GST certificate, board resolution authorising the purchase, and address proof of the registered office. We prepare the RTO Form 20 accordingly and can also structure GST input tax credit documentation if the vehicle qualifies under your business category.
NBFCs on our lending panel — Mahindra Finance, Tata Capital, and Cholamandalam among them — assess self-employed buyers on bank statement cashflow, ITR for the past two years, and GST returns if applicable. We route your application to the two or three lenders most likely to approve your income profile rather than blanket-applying to all 15.
Yes — NCB accrued on your previous policy is transferable to a new vehicle's insurance with a valid NCB retention letter from your old insurer. Our insurance desk collects this letter as part of the pre-delivery process and applies it directly to your new policy, which can reduce the first-year premium by up to 50% depending on your NCB slab.
ARAI range figures are measured on a fixed highway cycle that doesn't reflect Mumbai's stop-start patterns. Based on our internal data from EV deliveries, real-world range in Mumbai typically runs 15–25% below the ARAI figure depending on AC usage and traffic density. We note a city-range estimate on each EV listing alongside the official figure so you're not guessing.
A reserved status means a refundable booking amount has been placed but the deal hasn't been signed. If you act within 48 hours, we can contact the buyer to confirm their intent — and if they haven't proceeded, the booking is released and you can move forward. All inventory statuses on our floor are updated daily.
Maharashtra levies road tax as a percentage of ex-showroom price — for petrol vehicles, the applicable slab typically runs 11–13% depending on price band, while factory-fitted CNG vehicles may attract a marginal reduction under green vehicle incentives. We calculate the exact figure per vehicle rather than applying a flat estimate, since the slab brackets shift with every Budget revision.
Switching the vehicle after application submission requires a revised sanction letter from the lender, since the loan is tied to the specific vehicle's registration number and valuation. If you change before disbursement, the turnaround is usually 24–48 hours with the same lender. We manage this internally — you don't need to resubmit all documents from scratch.
The booking amount locks both the vehicle and the agreed on-road price for seven calendar days. If loan disbursement or documentation takes longer — which can happen with pre-owned vehicles requiring additional title verification — we extend the lock in writing so the price doesn't shift while paperwork is in motion.
Tell us the segment, fuel type, and budget — we'll pull your shortlist and send condition reports and on-road pricing within a few hours. No commitment required to see the numbers.