Market Trends & Developments of Two Wheeler Loan Segment in India

  • Two Wheeler Loans
  • 1 Years ago
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Two Wheeler Loan

Two-wheeler sales faced a setback in FY 2020 - 21 due to the global COVID-19 pandemic, along with the two-wheeler loan market. However, expert forecasts suggest a positive outlook in coming months.

Two-wheelers are one of the most preferred modes of commute in India. Navigating through heavy traffic, parking, traveling short distances, etc., is easier with two-wheelers as opposed to other modes of transport. Moreover, relatively smaller sizes, less bulkiness, and lower costs of two-wheelers make them a hit among all social classes in the country.

Two-wheelers and two-wheeler loans are complementary products. The greater the demand for the former, the greater will be the demand for the latter too. In other words, demand for two-wheeler credit is dependent on two-wheeler sales. There are two types of two-wheeler loans - new and used two-wheeler loans. In India, both banks and NBFCs (Non-Banking Financial Companies) provide two-wheeler financing.

Current trends in the two-wheeler loan market

In the Indian two-wheeler segment, 75% of the purchases are funded by loans. The share of banks and NBFCs in the two-wheeler loan market is 60% and 40%, respectively. As per a Statista report, the Indian two-wheeler loan segment is expected to grow at a compounded rate of 11% or more annually. By 2025, you can expect this segment to be worth $12.3 billion. Thus, the overall two-wheeler loan market outlook seems bullish.

Factors influencing two-wheeler loan trends

  • A rise in demand for E2W (Electric 2-Wheelers)

In the last few years, E2Ws have gained traction in India. While most of the automobile industry registered significant de-growth in 2021 due to the global coronavirus pandemic, the electric mobility segment recorded commendable sales figures. Approximately 30,000 units have been sold since January 2021 to date in the high-speed battery-driven two-wheeler segment. Hero Electric and Okinawa Autotech emerged leaders with sales of 11,432 and 5,903 units, respectively.

As per ICRA, the electric two-wheeler sector is expected to grow by 8-10% per annum. According to SMEV sales data, the fiscal year 2019-2020 has been the best for EV(Electric Vehicles) sales as 1,52,000 E2Ws were sold during this period. As per Amitabh Kant, Niti Aayog Chairperson, India is 100% ready for electric mobility, and E2Ws are likely to constitute 80% of the Indian two-wheeler market by 2030.

  • A steady rise in disposable incomes

In the last 25 years, the retail disposable income in India has grown significantly. However, the year 2020 was an exception as incomes across all levels contracted due to the worldwide pandemic. As per Trading Economics data, retail disposable income dipped by approximately 3.41% from Rs 206.75 million in 2019 to Rs 199.69 million in 2020. But, as the Indian economy is gradually breaking itself from the shackles of the COVID-19 second wave, you can expect personal incomes to start rising again. As per industry experts, the Indian economy will rebound to pre-pandemic levels by March 2022.

  • Luxury motorbike segment gaining popularity

Growing per capita incomes coupled with a continually increasing penchant for riding among India’s large youth population is pushing up the demand for premium bikes. Many superbike clubs have sprung up in the past few years. They act as a catalyst for growth in luxury bike sales. As per expert projections, by 2023, the luxury bike segment may grow up to $161 million in India.

  • Government subsidies

In order to boost EV manufacturing, the Department of Heavy Industry recently increased the subsidies for E2Ws from Rs 10,000 per kWh to Rs 15,000 per kWh - a 50% increase. Consequently, many EV manufacturers have lowered the prices of their respective e-scooters. Thus, as a customer, you may be able to purchase your favorite two-wheeler at a subsidized rate. However, only e-scooters with an average speed of 40 kmph and a range equal to or greater than 80 km qualify for the FAME II EV subsidy scheme.

  • Miscellaneous factors

The other factors that have contributed to a positive two-wheeler loan market outlook are the launch of new two-wheelers with advanced or value-added features, high vehicle or automobile parts replacement rate, rising rural demand, and easy availability of two-wheeler loans both online and offline.

Key Statistics

Industry

Particulars

Statistics

Two-wheeler market

Expected growth in E2W sales volume

8-10% p.a.

Government incentives for E2Ws

Up to Rs 15,000 per kWh (Upper limit: 40% of the 2-wheeler purchase price)

Projected E2W market share in the 2-wheeler industry by 2030

80%

Expected dip in 2-wheeler sales in FY 2021-22

11-13% p.a.

Actual 2-wheeler sales to date in FY 2021-22

15.12 million units

Expected long-term returns for OEMs (Original Equipment Manufacturers)

18-20% p.a.

Forecasted premium bike segment worth in 2023.

$161 million

Two-wheeler loan market

Indian 2-wheeler loan market value 2019

$6.7 billion

Expected CAGR of the 2-wheeler loan market

11% p.a.

Projected Indian 2-wheeler loan market value 2025

$12.3 billion

Features of two-wheeler loans in India

  • Loan rates

Two-wheeler loan interest rates are relatively lower as they are asset-backed loans. Usually, the loan rate is within the range of 9% - 26% depending on your credit history and income. Your credit score plays an important role in procuring two-wheeler loans at competitive interest rates. Usually, banks require a CIBIL score of 700+ out of 900. However, NBFCs may lend you loans even at CIBIL scores of 600+. In general, the higher your credit scores, the lower your loan rates. 

  • Loan principal

You can get a loan amount equal to 100% of the final purchase price. The final price is inclusive of ex-showroom costs, RTO fees, insurance cover, local taxes, and additional charges, if any. 

  • Loan tenure

Generally, two-wheeler loans are given for 1 - 4 years. Some financial institutions may provide bike loans for 5 years too. 

  • Supporting documents

You are required to furnish identity proof, address proof, PAN card, salary slips, 6-month bank statements, canceled cheque as per NACH mandate, declaration of existing financial obligations, and vehicle registration certificate. 

  • Special benefits

Many lending institutions provide pre-approved loan offers, exclusive discounts, and special EMI schemes to select customers. Most vehicle showrooms have tie-ups with banks or NBFCs. Hence, the loan application and approval process become easier and less time-consuming. 

  • Additional fees

You have to incur additional charges in the form of loan processing fees, stamp duty, and documentation fees. These charges vary from state to state. Besides, if you repay your loans fully as a single bullet payment ahead of the designated installment period, then you have to incur loan foreclosure charges.

Closing Words

Irrespective of the current dip in two-wheeler sales due to rising petrol costs and the ongoing pandemic, the sales are expected to pick up rapidly in FY 2022-23. Moreover, the forecasted market trends and developments in India’s two-wheeler loan market are encouraging.

Shriram City is one of the top NBFCs to avail of two-wheeler loans. It offers loans up to 100% of the on-road price at lucrative interest rates starting from 11.50% p.a. Easy loan application process, minimal paperwork, loan disbursals within 24 hours of approval, 900+ branches pan-India, and a nominal foreclosure rate of 4% are striking features of Shriram City two-wheeler financing.

Any salaried or self-employed individual aged between 21-59 years can apply for loans at Shriram City. You should have a minimum work experience of one year and a minimum income of Rs 12,000 per month.

Visit the Shriram City website for more details on two-wheeler loans.

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  • Two Wheeler Loans

Integration of the Use of AI in Finance

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  • Loans

What makes Shriram City Union Finance better than other banks in India

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  • Fixed Deposit

Financial Tips for New Drivers: A Blog About the Financial Tips You Should Consider Because You are a New Driver

  • Sep 09 2021
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Current Fixed Deposit Interest Rates - 2021

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How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
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Important Things to Keep in Mind While Applying for a Gold Loan

  • Dec 06 2021
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Overcome these common challenges while applying for a business loan online

  • Dec 07 2021
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  • Business Loans

Repayment of Gold Loan

  • May 10 2021
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  • Gold Loan

Safe Investments With High Returns In India

  • May 03 2021
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  • Fixed Deposit

Is a PAN card mandatory for a gold loan

  • May 05 2021
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  • Gold Loan

Why Fixed Deposits - An ideal Investment Option for Beginners

  • May 19 2021
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  • Fixed Deposit

Benefits of Taking Loan for Two Wheeler

  • May 22 2021
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  • Two Wheeler Loans

How to get quick and easy business loans under difficult circumstances

  • Jun 10 2021
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  • Business Loans

The 5 Biggest Mistakes to Avoid When Getting a Business Loan

  • Jun 17 2021
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  • Business Loans

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
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  • Recurring Deposit

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
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  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
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  • Loans

Why Shriram City Union Finance Fixed Deposits Should Be Your Preferred Investment Option

  • Sep 04 2021
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  • Fixed Deposit

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
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  • Fixed Deposit

Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
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  • Two Wheeler Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
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  • Business Loans

Best Gold Loan Tips You Will Read This Year

  • Jan 21 2022
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  • Gold Loan

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
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  • Business Loans

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
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  • Business Loans

MSME Loans & Its Importance

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  • Business Loans

Is a Guarantor or Introducer Necessary for Availing a Gold Loan?

  • Apr 13 2021
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  • Gold Loan

How to Save Money in Fixed Deposit?

  • Apr 28 2021
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  • Fixed Deposit

Does Shriram City provide an EMI calculator?

  • May 13 2021
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  • Business Loans

How You Can Pick The Best Business Loan

  • May 14 2021
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  • Business Loans

NBFC vs Bank: What makes NBFC better than banks

  • May 24 2021
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  • Two Wheeler Loans

What are the Alternatives for a Business Loan?

  • Jun 16 2021
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  • Business Loans

How to Fulfill your Dreams of Success with Business Loan

  • Jun 23 2021
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  • Business Loans

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
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  • Fixed Deposit

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
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  • Fixed Deposit

How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Sep 09 2021
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  • Fixed Deposit

How to choose your business loan online based on interest rates

  • Dec 07 2021
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  • Business Loans

How Are NBFCs Keeping up with the Gold Demand Surge?

  • Dec 10 2021
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  • Gold Loan

Type of Fixed deposits you should buy before you retire

  • Jan 25 2022
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  • Fixed Deposit

How to Explain Fixed Deposits to Millennials?

  • Feb 07 2022
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  • Fixed Deposit

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
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Invest in Fixed Deposits: Safest and Secure way to get higher returns

  • May 04 2021
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Get a fixed deposit with Shriram City & boost your savings today

  • May 07 2021
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  • Fixed Deposit

How to keep your FD money safe through the best investment ideas

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  • Fixed Deposit

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
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  • Two Wheeler Loans

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

What is the Importance of a Fixed Deposit on Your Financial Portfolio?

  • Oct 23 2021
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How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
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  • Two Wheeler Loans

Is investing in Corporate FDs a good option to build your corpus?

  • Nov 25 2021
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  • Fixed Deposit

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
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  • Gold Loan

Business loans: Expectation vs Reality

  • Feb 09 2022
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  • Business Loans

Easy ways to repay the Loan against Jewellery

  • May 12 2021
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  • Gold Loan

Shriram City: One stop solution for the needs of MSMEs

  • Jun 18 2021
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  • Business Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
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  • Fixed Deposit

How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
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  • Business Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
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  • Two Wheeler Loans

How can students save money every month and get the highest return?

  • Dec 09 2021
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  • Recurring Deposit

Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

  • Jan 25 2022
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  • Fixed Deposit

Gold Loan Eligibility – Everything You Need to Know

  • Apr 27 2021
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  • Gold Loan

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
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  • Two Wheeler Loans

How Does An SME Loan Help In Business Growth And Expansion

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  • Business Loans

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
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Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
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Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
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