Petromoney Innovations was born from a simple observation: India's petrol pump owners—the backbone of our nation's mobility—lacked access to specialized financial services that understood their unique challenges.
Founded by a team of banking veterans and fuel industry experts in 2010, we started with a single mission: to democratize access to capital for fuel retailers across India. What began as a small office in Mumbai with 5 employees and a vision has grown into India's largest specialized financier for the petroleum retail sector.
We exist to:
Bridge the credit gap for fuel retailers underserved by traditional banking
Provide specialized financial products designed for petroleum retail realities
Enable non-fuel revenue diversification (solar, food courts, retail)
Promote sustainable practices through green financing
Create economic opportunities in semi-urban and rural India
We envision a future where:
Every petrol pump in India is financially empowered and digitally enabled
Fuel stations evolve into multi-service commercial hubs
Green energy (solar) becomes standard at all fuel retail outlets
Financial inclusion reaches the last-mile fuel retailer
Technology-driven lending makes credit accessible in 24 hours
2018: Company founded with a vision to transform petrol station businesses
2019: Launched initial digital and retail optimization solutions
2020: Expanded service portfolio with technology-driven fuel retail tools
2021: Partnered with multiple fuel outlets and strengthened market presence
2022: Introduced financing and cost-saving solutions for dealers
2023: Scaled operations with advanced analytics and automation platforms
2024: Established Petromoney as a trusted innovation partner across regions
2025: Driving next-generation smart fuel stations and sustainable growth
Today, we're proud to serve 15+ lakh customers across India—from single-pump owners in remote villages to multi-location fuel retail chains in metropolitan cities. Our 1,500+ employees bring deep domain expertise, with an average industry experience of 8 years.
We've financed:
5,642 petrol pump acquisitions and modernizations
12,000+ solar installations saving 2.5 million tonnes of CO₂
8,500+ food court and QSR setups
3,200+ fuel tanker purchases
₹45,500+ crores deployed in the fuel retail ecosystem
Your success is our success. Every product we design starts with understanding your challenges—cash flow gaps, seasonal volatility, margin pressures, and growth aspirations.
We don't just lend money; we understand fuel retail. Our team includes former petroleum industry professionals, OMC executives, and pump owners who've walked in your shoes
In fuel retail, time is money. We've digitized 80% of our processes to deliver credit decisions in 48-72 hours—not weeks or months.
No hidden charges. No fine print surprises. Every interest rate, processing fee, and term is clearly communicated upfront.
From India's first fuel receivables financing to BNPL for petrol customers, we constantly innovate to solve your emerging challenges.
With 12,000+ solar installations financed, we're committed to making Indian fuel retail greener, one pump at a time.
Built on trust. We maintain the highest ethical standards in lending practices, treating every customer with dignity and respect.
Our founding team—led by Mr. Srinivasan recognized that traditional banks treated petrol pump financing as just another commercial loan. They didn't understand:
The seasonal cash flow patterns of fuel retail
The working capital challenges during price volatility
The untapped potential of petrol pumps as commercial hubs
The need for specialized products like fuel credit and receivables finance
Mr. Srinivasan - Chairman & Founder
Former Executive Director
Instrumental in designing specialized MSME lending frameworks
Vision: "Every petrol pump owner should have access to capital that understands their business rhythm"
Mr. U.Saravanan – Chief Executive Officer
Oil Marketing Companies (OMCs)
Indian Oil Corporation (IOC) - Preferred financier status
Bharat Petroleum (BPCL) - Dealer financing tie-up
Hindustan Petroleum (HPCL) - Working capital partnership
Shell India - Premium segment financing
Technology Partners
Integration with OMC dealer portals
Real-time fuel pricing data partnerships
Credit bureau tie-ups (CIBIL, Experian, CRIF)
Digital payment gateway partnerships
Solar Partners
Tata Power Solar
Vikram Solar
Adani Solar
Waaree Energies
QSR & Franchise Partners
McDonald's, Burger King, KFC
Café Coffee Day, Barista
Haldiram's, Domino's Pizza
2024:
"Best Specialized NBFC" - Economic Times BFSI Awards
"Innovation in Green Financing" - CII Sustainability Awards
"Digital Transformation Leader" - NBFC Forum India
2023:
"Top 10 NBFCs in India" - Business Today
"Customer Satisfaction Excellence" - Frost & Sullivan
"Best Employer in BFSI Sector" - Great Place to Work
2022:
"Fintech Partnership of the Year" - NASSCOM
"Fastest Growing NBFC" - Dun & Bradstreet
"Digital Transformation Leader" - NBFC Forum India
Regulatory Standing
CRISIL Rating: AA/Stable (High degree of safety)
ICRA Rating: AA- (Adequate safety)
RBI Classification: Systematically Important NBFC
SEBI Registered: Listed on NSE & BSE
ISO Certified: ISO 9001:2015 (Quality Management)
1. Specialized Domain Expertise Unlike traditional banks, we ONLY focus on fuel retail. Our team includes:
Former petrol pump owners who understand your daily challenges
Ex-OMC executives who know the regulatory landscape
Petroleum engineers who can assess technical feasibility
Financial experts who've structured 50,000+ fuel retail loans
2. Faster Approvals
Traditional Bank: 15-30 days for loan approval
Petromoney: 48-72 hours for most products
Digital journey reduces paperwork by 70%
Pre-approved limits for existing customers
3. Flexible Products We don't force you into rigid loan boxes. Our products flex with:
Seasonal cash flow patterns (harvest seasons, festival peaks)
Fuel price volatility cycles
Business growth trajectories
Revenue mix (fuel vs non-fuel)
4. Higher Approval Rates
Traditional banks approve 30-40% of petrol pump loan applications
Petromoney approves 75%+ (due to specialized risk models)
We understand that CIBIL score isn't everything for fuel retail
5. End-to-End Support Beyond just money, we provide:
Business plan development assistance
OMC dealership application support
Solar vendor coordination
Franchise negotiation for QSR tie-ups
Digital payment system setup
Accounting and GST compliance guidance
6. Relationship Banking You're not just a loan account number. Every customer gets:
Dedicated Relationship Manager
Direct phone and WhatsApp access
Quarterly business review meetings
Priority service for repeat customers
1. Financial Literacy Programs
Conducted 500+ workshops for petrol pump owners
Trained 25,000+ dealers on financial management
Digital literacy programs in rural areas
Women entrepreneur development programs
2. Green India Mission
12,000+ solar installations (2.5 million tonnes CO₂ offset)
Tree plantation at 3,000+ petrol pumps
Rainwater harvesting systems financed
Single-use plastic elimination campaign
3. Education Support
Scholarships for children of petrol pump employees
2,000+ students supported annually
Vocational training for pump attendants
Digital learning centers at highway petrol pumps
4. Healthcare Initiatives
Free health check-up camps at fuel stations
First-aid training for pump staff
COVID-19 vaccination drives (50,000+ vaccinated)
Ambulance service tie-ups at highway pumps
5. Community Development
Sanitation facilities at rural petrol pumps
Women's safety initiatives (safe stops on highways)
Employment generation (2.5 lakh+ jobs created in ecosystem)
For Petrol Pump Owners:
Quick online application (10 minutes)
Upload documents digitally
Video KYC from your pump
Approval in 48-72 hours
Funds disbursed within 5 working days
For Investors:
NCD (Non-Convertible Debentures) programs
Fixed deposits with competitive returns
Listed equity (NSE: PETROMONEY)
Transparent financial reporting
For Business Associates:
Become a Petromoney DSA (Direct Selling Agent)
Loan referral programs
Earn attractive commissions
Training and support provided
Real Stories from Our Customers
"From Struggling to Thriving"
"In 2018, I was struggling with cash flow. Fuel credit from OMC took 15 days, but my expenses were daily. Banks refused working capital loan saying it's 'too risky.' Petromoney understood my problem—they gave me fuel credit facility within 3 days. Today, my pump's monthly turnover has doubled, and I've added a food court financed by them again. They're not lenders; they're partners."
"Solar Changed Everything"
"My monthly electricity bill was ₹85,000. When Petromoney proposed solar, I was skeptical— ₹32 lakh investment seemed huge. But they financed 100%, and my EMI (₹45,000) was less than my electricity bill! Now I generate my own power, and in 4 years, it'll be completely free. Best business decision ever."
"They Believed When Others Didn't"
"I'm a farmer's son who dreamed of owning a petrol pump. I got IOC dealership allotment but needed ₹1.8 crore. Four banks rejected my application—no business history, they said. Petromoney saw my potential, understood my farming income, and approved the loan in 5 days. Today, I employ 12 people and serve my community."
"Beyond Just Loans"
"I own 3 petrol pumps. What I love about Petromoney is their consultative approach. They helped me analyze which pump needed solar vs which needed a food court. Their market analytics tool showed me I was under-pricing lubricants. They're strategic advisors, not just bankers."
